• About
  • Testimonials

Welcome to my website!

Helping families realize the dream of homeownership is my passion. Over the years, I have been able to assist many families obtain financing, many of them for the first time, and it never gets old. To me, it's always been more than a job. The satisfaction and pride I feel each time one of my Borrowers becomes a Homeowner is indescribable. Each one is an emotional investment for me as every Borrower is more than just a loan, they are friends, neighbors & my community.

My extensive experience as a Loan Officer and knowledge of the industry allows me to tailor each loan to meet the specific needs of each individual. Everyone’s story is different, so no one loan will fit everyone’s needs. My job is to find that perfect fit. Buying a home is the single most important investment we make. Although it can seem intimidating, I am dedicated to making the process a positive and rewarding experience for you, and I welcome the opportunity to earn your business and your trust.

If you have a testimonial you'd like to share, please fill out this form.

Pam Caldwell was extremely helpful and very easy to work with! She responds promptly to communications and has a wealth of knowledge to share. Working with Starkey Mortgage was easy and we were able to secure a great fixed rate on our mortgage. I highly recommend.

June 2017   Amanda P
Kernersville, NC

She was quick to react when we needed something, very friendly, helpful with any questions you may have as well. We worked with a number of lenders dealing with other homes and she was by far my favorite.

June 2017   Rachel J
Stokesdale, NC

Working with starkey was wonderful they really want to help you buy a home! They were very easy to get a hold of when i had questions and got everthing handled right and on time! I would definitely recommend them to friends and family for any mortgage needs. Pam was awsome to work with and takes a more personal intrest in helping you then other lenders i have worked with in the past.


June 2017   Ryan G
Stokesdale, NC

Ms. Caldwell was patient with me. This was my first home. She explained each step in the process of purchasing a home. When I called she always corresponded with me in a timely manner.

June 2017   Valerie A
High Point, NC

Pamela was professional, courteous, and communicated frequently during the loan application process. She worked diligently to get me the best loan possible. I would recommend her to anyone needing a home financed, especially if you need a USDA, FHA, etc. loan.

June 2017   George S
Kernersville, NC

Pam was so great to work with. We found a house we were interested in really fast and Pam got down to business and helped everything go seamlessly. She is easy to contact and answers any questions! Definitely would work with her again!

July 2017   Kevin L
Greensboro, NC
The women I worked with at Starkey Mortgage could rule the world! :) They were wonderful and worked really hard for me. I am very thankful
July 2017   Heather M
Stokesdale, NC

Pam Caldwell was extremely helpful and very easy to work with! She responds promptly to communications and has a wealth of knowledge to share. Working with Starkey Mortgage was easy and we were able to secure a great fixed rate on our mortgage. I highly recommend.

August 2017   Amanda P - @ PepsiCo
It was as smooth as it could be and all the people we worked with were great!
July 2017   Anna P
Graham, NC

Extremely professional, respectful, knowlegeable, incredible time management, communication clear and precise, always available, returns phone calls immediately.

June 2017   Petra Fugger & Connie Huddleston - Store Team Lead/Pest Mgmt @ Whole Foods/Terminix
Salisbury NC

Pam was great with communicating where we were with the process and what was needed. She was always available to answer questions and was completely attentive to my concerns and needs.

May 2017   Jill Cox - Teacher @ Guilford County Schools
Greensboro NC

Pam and her team kept us informed and made the process flawless. She was informative and helpful every step of the way. They kept us up to date on where we were in the process and everything went like clockwork. They helped us find a wonderful insurance agent to handle our home and auto. I really don't know how it could have been any better. We have never had a home buying experience like this, they really know the meaning of customer service.

May 2017   Sandra and Jerry Infinger - Tech-Payroll/Warehouse Assoc @ Guilford Cnty Schools/Motion Industry
Kernersville NC
Everyone i worked with was extremely polite and professional. I felt confident that everything would go smoothly and that my loan application and processing was in good hands.
April 2017   Zachary R
Winston Salem, NC
Much easier than I expected. From all the horror stories I had heard. I was worried. This one was super easy!!
April 2017   Jon M
Kernersville, NC
It was truly a pleasure working with Pam and the rest of the team.
April 2017   Jason R
Lewisville, NC
It was very simple. Pam and her team were GREAT to work with
May 2017   Jerry I
High Point, NC
It was truly a pleasure working with Pam and the rest of the team.
April 2017   Jason R
Lewisville, NC
Much easier than I expected. From all the horror stories I had heard. I was worried. This one was super easy!!
April 2017   Jon M
Kernersville, NC

Pam was wonderful through the whole process. We were informed and taking care of from beginning to end. We were going through a tough time with one of our children and Pam made this process so much easier on us. We could not have asked for a better Mortgage Banker. Thanks Pam for the lovely housewarming gift!

I would definitely recommend anyone looking for someone that is kind caring and well informed and someone that will do everything to get you in your Dream Home!

April 2017   Michael Roxberry/Selena Cleary - Sales Mgr/Massage Therapist @ Flowers Baking/S/E
High Point NC
Everyone i worked with was extremely polite and professional. I felt confident that everything would go smoothly and that my loan application and processing was in good hands.
April 2017   Zachary R
Winston Salem, NC
Pamela and Meghan were both great to work with. Always very friendly, easily accessible and knowledgeable. The process was very smooth.
March 2017   Kathryn W
High Point, NC
We are homeowners! We just bought our first and most likely our only house. We could not be happier. I have already recommended Pam and her team to a friend of ours that wants to buy a house. Pam, Bonnie, Megan, and Rochelle are the BEST! We have waited so long for this opportunity. They helped make our dreams a reality. We will never be able to thank them enough.
February 2017   Bobby B
Winston Salem, NC
Thanks to pPamela Caldwell the whole process was smoothly
February 2017   Jorge C
Lexington, NC

I was amazed at the professionalism and thankful for Pam helping us navigate the process. It was a smooth transition for our family.

The on-line automation and professional experience really streamlined the effort required to complete the loan.

February 2017   Jeffrey Peters - Director @ Agrible
Burlington NC

To the company of Starkey Mortgage; especially to Pam Caldwell, Chana Fouts our loan processor and Megan Critz.

Our heartfelt thank you for everything you have done.You guys did a great job! We really love our new home!

Pam you are awesome you really know what you are doing, for all the paperworks that we needed before.

May God Bless you all.We will highly recommend you to everybody!

Many thanks again.


The Diolina Family.

February 2017   Chris and Diana Diolina - Distribution/Medical @ UPS/Brookdale
High Point NC
They made the process smooth and painless. It was such a breeze for me!
December 2016   Kendal S
Winston Salem, NC
This was a very smooth process!! Everyone was so helpful and quick!!
January 2017   Blair H
Greensboro, NC
Easy,their when I needed them and very professional
November 2016   Joel A
Archdale, NC
This was a refinance. I am very pleased with Starkey Mtg and will recommend them to all of my friends.
November 2016   Virginia W
High Point, NC
I felt that we were kept well informed throughout thr process. I will recommend Starkey Mortgage to everyone that I know.
November 2016   Daryl F
Pfafftown, NC
Easy and painless
November 2016   Jonathan B
Greensboro, NC
Pam came very highly recommended for a reason. She was great to work with and delivered what she promised.
October 2016   Mary W
Wake Forest, NC
They took me through step by step what I needed and what I needed to do. There were so many things I had to answer to and documentation that I had to send but I am sure that is not out of the ordinary considering I got a government loan.
October 2016   Tammy S
Clemmons, NC
It was very smooth. Starkey Mtg was very efficient and I experienced no delays in getting things done and loan closed. They let me know throughout the process - where we were in the scheme of things - so that I knew where things stood and what to expect next. Loved working with them!!
October 2016   Frances S
Pam, her patience and her team are the main(probably only reason) we stuck through the whole mortgage loan process. / / I know a refinance is in my near future, without people like Pam, I wouldn't have the strength, patience to even consider that. I know our financial situation was challenging, but she worked and worked until she found a solution. Many other lenders will only find problems, not solutions. Again all the stress for us was with the underwriting component of this process.
October 2016   Peter L
King, NC

I want to thank you all for ALL the hard work you put into helping me purchase my new home.  Words can’t express how grateful I am.  Wishing all of you a Merry Christmas and Happy New Year.  Again thank you!

December 2016   Patrice Simes - @ Commscope
Greensboro, NC
The entire staff was great to work with!
September 2016   Aaron L
East Bend, NC
I have been through countless financing and closing and this was by far the easiest one I have experienced. Everyone was kind and thorough and processed the loan application is an awesome turnaround time!
August 2016   Sabrina B
Kernersville, NC
Overall, Pam and Megan were great to work with. The help from the Colorado Springs office was outstanding. (Mike and Mary)
August 2016   David M
Hickory, NC
Would like to go in future with the same company
August 2016   Vijaya M
Greensboro, NC
Fair and simple.
August 2016   Manuel B
Greensboro, NC

Pamela was a pleasure to deal with. Every interaction was pleasant every question answered in a timely manner, a true joy to work with such a professional. This has been our most pleasant experience with a lender in any field.

July 2016   Ed Chambers
Thomasville, NC

Pam and her team were a delight to work with. They were all extremely responsive even during late evening hours. We had tried to work with our bank but upon looking into Starkey and finding Pam we discovered that there is no comparison when you have a local branch focused on mortgages, led by a team that puts you first as their client. Buying a home and taking on a sizable loan can be stressful enough, they made sure that the process of securing a loan and finding the support and guidance we needed wasn't.

July 2016   Lindsay Knight
Stokesdale, NC

Pam Caldwell and her team did an extraordinary job of tending to my family's unique needs. My husband and I both owned homes and felt that it was time to sale our individual homes and merge into our home. Pam was very patient with us while we attempted to get my house sold so we could begin the process of building a new home. She provided me a variety loan options and advised me on which was the best to suit my budget. She was personable and remained in contact with me every step of the way! I would highly recommend Starkey Mortgage to anyone looking to buy a new home.

July 2016   Karen Roseboro - School Executive @ Winston Salem Forsyth County Schools
Kernersville, NC

It was a pleasure working with Starkey Mortgage. I had just retired and they were able to find a solution that was exactly in alignment with what my husband and I wanted to do with our new mortgage. They were professional and responsive and they worked to get my loan approved so I could close on the exact date I needed.

June 2016   Lynne Szuts - Project Manager @ American Express
Reidsville NC

Best Mortgage Experience we have ever had! Pam and Her Team were available thru the whole process.

June 2016   Bryon/Sue Peterson - Logistics/Customer Svc @ Thomas Built/Allegacy Fed Credit Union
Winston Salem NC

Great to work with. Works after hours which helps with my busy schedule. Assisted in credit improvement as well. She really helped us finance the home of our dreams and worked well with our real estate agent.

June 2016   Kimberly Brown/Randolph Burns - Property Mgr/Sales @ Partnership Property/Ilderton Dodge
Kernersville NC

Pam was very easy to work with. She was accessible, responded in a timely manner, and very kind and helpful. Highly recommended. The entire Starkey team is very professional.

June 2016   Jesse Peterson/Stephanie Del Real - Financial Advisor/Manager @ Lendmark/Hang Ups
Greensboro NC

Pam made the process easy and was a pleasure to work with! Her and her team stayed in touch throughout and guided me. It was a highly electronic process with easy to access information so I always felt like I knew what was happening.

June 2016   Michelle Predergast - VP of HR @ Clinical Ink
Winston Salem NC

Hey! We are all moved in! Our house warming party is May 28th 2-4 p.m and I would love if you, or any one else on your team would like to go! I cannot, ever, express how thankful I am to you and your team. The experience your provided to me and my family was amazing! Especially the closer, Beverly. Our closing was at 3:00 p.m on Friday, and the attorney wouldn't give us the keys until after he recorded. My realtor called your office first to ask them to be on the look out for our paperwork as we needed the okay to be able to have it recorded. At that point it was 3:45-4:00 p.m, and you know crazy worry wart me, I was so upset that we wouldn't be able to move over the weekend when we already had everything lined up, and no where else to go. We left the attorneys office, and by 4:30 I still hadn't heard from the attorney or my realtor, and it really threw me into panic mode. I called Beverly and apologized for calling so late on Friday afternoon. It was 4:30 p.m, the end of the day for her, and this is what you guys do ALL DAY everyday, so really, so what if I didn't get to move into my house. Was that the attitude she had? Absolutely not! She laughed at my apology in such a heart warming way, and explained that I was just fine, and she had sent my paperwork back to the attorney shortly after receiving it, so I should be getting a call from my realtor any minute, and congratulated me on my house. And she was right, my realtor called as soon as I hung up with her! For every person to be so helpful and so kind, and so patient with me throughout the entire process was amazing, and again THANK YOU THANK YOU THANK YOU!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

May 2016   Kim Lyman - Admininstrative Assistant @ BSC Holdings
Working with Starkey Mortgage  for my home purchase was an amazing experience. It was a smoother process than I ever thought it could be!
April 2016   Ashleigh Younts - Accountant @ Focke and Co
Whitsett NC
Pamela and her staff kept me abreast of every step  the mortgage process. She explained all of the mortgage details and answered all my questions in a courteous and timely fashion. She went over and above in helping me find an insurance agent and getting me in on an NC grant program. She was instrumental in making my dream come true as a first time home owner! Beyond her keen expertise and professionalism she is very warm and friendly, and her enthusiasm is both encouraging and contagious! I have no qualms about recommending Pamala Caldwell or any of the staff at Starkey Mortgage. I can assure anyone seeking out a loan with Starkey will no doubt be writing the same glowing review!<
April 2016   Annette Valletta - Florist Manager @ Harris Teeter

My experience with Pamela Caldwell on my process to buy a new home was so helpful. She was very professional and everything she told me to do with my finances was very good to get this dream come true. Me and my family are so grateful with Pamela Caldwell, now we have our dream house. Thanks Pamela Caldwell and I hope you continue helping many more family's.

April 2016   Cesar Maya - Machine Operator @ Luxfer Gas Cylinders
Whitsett NC

Pam helped me with a refinance, and the process couldn't have been easier. She was prompt, knowledgeable, and made sure I knew what was happening every step of the way. I wouldn't hesitate to recommend her to anyone!

April 2016   Kristin Dotson - Finance @ GTCC
High Point NC

Pam kept us informed every step of our way through the mortgage process, and she responded when we sent paperwork; hence, the process was smooth and expeditious!

April 2016   Kathleen and Dennis Stauffer - Retired
Lexington NC

Pam was quick to respond and we were very happy with the service we received. She was helpful throughout the entire process, from pre-approval to final loan closing. Her vast experience was extremely helpful and we felt very comfortable working with Pam and her entire team. I would definitely recommend working with Pam.

April 2016   Adam Myers - Human Resource @ Bank of North Carolina
High Point NC

Pam went above and beyond to help secure my mortgage. At first my credit score wasn't where it should be due to lack of revolving accounts. She explained it all and help me connect to a reputable credit counselor. I would recommend her to anyone.

March 2016   Bridge Call - Accounts Payable @ Paytel Communications
Jamestown NC

Pam was amazing to work with. She is extremely knowledgeable, responsive, and was willing to schedule calls during "off hours" to work around our schedules. She definitely went above and beyond for us throughout the whole process. We trusted her completely and we're so happy that we did!

March 2016   Doris Brooks - Business Analyst @ Sheffield Financial
Clemmons NC

Pamela Caldwell is the real deal. She will not give up on your loann. She figured many way to improve your credits to get you qualify for loans. I highly recommend you to see her if you thinking of buying a home. She got me a home, call her so she can get you the home of your dream.

March 2016   Russell Rmah - Roof Mechanic @ BIRS Roofing
Greensboro NC

Pamela helped us purchase our second home. She was very knowledgeable and helpful in selecting the loan that was right for us. She was very easy to talk to and made this experience less stressful.

March 2016   John and Carol Sealey - Phlebotomy Processor and Teacher @ Novant and Forsyth County
Winston Salem NC

Pam was available to answer my questions throughout the entire loan process. The execution of the loan process exceeded my expectations. Her office staff was a pleasure to work with as well. I would highly recommend Pam!

March 2016   Jay Haysty - Information Security Specialist @ Old Dominion Freightline

We can't say enough about how smooth our mortgage process went with Pamela. She is highly knowledgeable, efficient, and closed our loan in less than 30 days. We highly recommend her!

March 2016   Mark and Cherie Byrd - Captain-Police @ City of Asheville

I was a first time home buyer. The advice and insight that she offered was exactly what I needed. She gave me info based on my needs and my total "big picture". I strongly recommend Pam and her associates and will be using her services again.

March 2016   Jarrett Brady - Offline Production Lead @ Haeco Cabin Solutions
Winston Salem NC

I worked with Pam and her team to purchase a town home in Greensboro. Starkey Mortgage was excellent. I travel, so it is difficult for me to meet face to face with people.  they took care of everything for me.  It was a great experience. I highly recommend Starkey Mortgage.

March 2016   Jason Coe - Sr Manager @ Accenture
High Point NC

This was my second time buying a home and Pam and her team made this experience much better than my first. Pam was very helpful with any questions I had. This was a VA loan and I was hoping to get my closing done by 3/1/16. VA loans can sometimes take a bit longer. Pam told me we could close on 2/29/16. Pam was also very informative with the progress of the loan. I knew at all times which step in the process I was at. I would highly recommend Pam and her team!

March 2016   Jason Gilbert - Dock Manager @ Old Dominion Freight Line

In a word, amazing! Pamela and her team did an fantastic job of putting together the best options for us, taking care of the details, and keeping us informed along the way. Her communication is excellent and she is very responsive when needed. I highly recommend her

January 2016   Don and Ann Roof - VP of Development @ The Clearing House
Clemmons NC

Pamela was incredibly helpful throughout the whole loan process, from pre-approval to purchase. I would recommend her and her staff to anyone needing assistance in any loan process.

January 2016   Steven Diamond - Director of Coaching @ Greensboro United Soccer Association
Greensboro NC

Pamela was extremely helpful and knowledgeable in all aspects of the loan process. She was able to refer us to another company that supplied us a construction loan and then wrap it into our permanent loan. Very satisfied!

January 2016   Scott Swedberg - Project Engineer @ HAECO Cabin Solutions
Kernersville NC

Pam was very patient when we were getting our paperwork together and helpful in figuring out exactly what we needed. She also explained everything clearly and replied to emails quickly.

January 2016   Gina Winfrey - Caregiver @ Vienna Village
Winston Salem NC

I was kept up to date on daily progress throughout the process. It was wonderful to know every day of the next step coming, and knowing what had been done. The videos provided were very helpful in understanding each step along the way as well. Everyone was very friendly and prompt in answering questions. It was a pleasurable experience. I have always been told what a "nightmare" buying a house was and I had expected the worst, but that wasn't the case for me, everything went very smooth and peaceful.

January 2016   Angela Pappas - Sales @ Hajoca Corp/DBA Hughes Supply
Lexington NC

Pam guided us through a very difficult loan process, and she would not give up until we were satisfied. Worked through numerous options with multiple investors to find us the best possible loan.

January 2016   Dana and Ann Darley - Sales Mgr and President @ Vecoplan and Darley-Robinson Search
High Point NC

We had a great experience dealing with Pamela Caldwell and the entire staff at Starkey. We cannot thank them enough for their hard work dedication and professionalism and the work that they did to make my families dream of owning a home come true

January 2016   Joshua and Tammy Titus - Chemical Operator and Stay at Home Mom @ Vertellus
High Point NC

Pamela was absolutley fantastic from start to finish of purchasing our home. She tried very hard to ensure we got the best type of loan for our situation when purchasing our home. I have recommended her to another friend and they are just as pleased with her as we were. She is quick to recontact you by email and we had no problems whatsoever during the entire loan process. Pamela Caldwell is a class act!!!

January 2016   Phillip and Christa Leonard - Division Manager and Crime Scene Investigator @ ITG Brands and City of Greensboro Police Department
Thomasville NC

Pam is an incredible person. I am a first time home buyer and had a million questions. I would email and call her all times of the night and she would immediately respond back and calm me down and answer all my questions. Pam looked for all the grants I could qualify for and always kept me in the loop about what was going on. Best of all she worked through the holidays and got me to close within 30 days so I could be in my home a week before Christmas.

January 2016   Olivia King Richardson - Keyholder @ Goodwill Industries
Trinity NC

Just want to reiterate how much I have loved working with the Starkey Mortgage Group. I send you loans that others can’t complete and you handle these as if they are A+ loans. Your customer service is amazing. You all are great !!! Use me as a reference anytime.


Rod Barbee-Division Community Manager

December 2015   Rod Barbee - Greensboro Division Community Manager @ Taylor Morrison Homes
Greensboro NC

As the Builder's Listing agent...I have been very impressed with the way this loan process went.  Updates were great!   


November 2015   Becky Walls - REALTOR @ RE/MAX Southland Realty
Raleigh NC

Yay!!!  Thank you again for everything!  Everyone in closing today commented on how efficient and knowledgeable you and your staff are and great at what you do!  As always, it was a pleasure.

Happy holidays to you!


November 2015   Melinda Liles - Oncology Nurse @ Levine Cancer Institute
Raleigh NC

Pam Caldwell gets it done!  Over and over she has handled difficult home sale situations with calm and ease.  Not only does she accomplish "on time" settlements, she is also kind and helpful to our buyer clients. She explains the process with patience and our buyers love her too. She works many nights and weekends.  I could never say enough good things about her. I think she should be called "Super Pam".

November 2015   Mary Steele Allen - President @ Allen Marketing Services LLC
Piedmont Triad

Thank you very much for all your help. You have all been very helpful to me in this stressful but exciting journey. Rest assured that good words will be spread within my circle of friends and colleagues for all good job.

November 2015   Roda Ramirez - RN @ Wake Forest Baptist
Winston Salem NC

Great team to work with. They were always available to answer questions. They walked us through the process and ensured it was as smooth as it can be. They had our loan package ready 3 days before the closing date. 

November 2015   Steven

This was my first home purchase and the experience was very pleasant...Pamela held my hand every step of the way...she was very patient with me..it took me a while to find my dream home and she was available every step...her staff is also amazing. Starkey Mortgage is a great company and Pamela is a saint...Thank you ladies so much...I am loving my new home

October 2015   Shana Saunders - Sales @ Time Warner Cable
Greensboro NC

I just wanted to say Thank You so much for all your have done for us. You truly have made our dreams come true, and you have been a blessing. Thank you!

September 2015   Tonya Johnson
Greensboro, NC

Pamela was excellent! She answered any and every question we had no matter what time of day. I couldn't have asked for better help!! She helped get us approval when everywhere else we tried could not. There was not one day that we weren't informed of the status and she had many helpful tips to keep us ahead of the game. I would recommend her and the stark mortgage team to anyone

July 2015   Alan Wescott - Site Support of Nuclear Power @ BHI Energy
Southport NC

My experience with Pam was excellent. The entire process was much easier than I anticipated. Pam knows the business and explained in great detail the process from beginning to end so I knew what to expect. She and her team kept me informed throughout the process until closing was complete. She came highly recommended from an associate and I also highly commend her.

July 2015   Angela White - Business Analyst @ Volvo Global
Greensboro NC

We used Pam recently with the purchase of our new home. She was very friendly, knowledgeable, and helpful when ever we reached out to her. She responded quickly to our questions and needs. I would highly recommend using Pam to my friends.

July 2015   Jane and Jeff Eaton
Trinity NC

Pam was very responsive, and readily accessible, during my navigation through the home purchasing process. She provided unbiased information so that I could evaluate what approach would be appropriate for me, given my current status and potential future directions. There will be no hesitation on my part to recommend her to anyone I encounter who is in need of a knowledgeable mortgage lender.

July 2015   Deborah Thompson - Technology Lead @ Volvo
Elon, NC

I was a first time buyer going into this purchase. Pamela was very helpful. Everything from start to finish went smoothly. I will definitely use Pamela in the future. Top notch service. Thank you Pamela.

July 2015   Phillip Campbell - Long Haul Truck Driver @ AHI
Lexington NC

Pamela worked closely with us to get us the best loan with the best interest rate possible.She answered all our questions promptly and was a good source of support throughout the loan process. Her entire team is full of positive,helpful people who gave us many different options for our varying financial needs and helped us decide the best option for us. Pamela really helped turn our dream of home ownership into reality!!




July 2015   Manju and Leena Bhat - Associate Professor @ Winston Salem State Unviersity
Winston Salem NC

Dear Pam, Just wanted to thank you and your team for the successful transaction with my Clients, Chris and Andrea Pagano. You've made a very special bond with all of us. The Speed and Professionalism and Amazing Communication has been Fantastic! Thanks for Everything. xx Emma Nutt

June 2015   Emma Nutt - Broker/REALTOR @ Keller Williams
  • dj_watt reviewed Pamela Caldwell
  • 05/12/2015
  • Helped me buy a home
I can't say enough about how Pam, Megan and Kelly helped me navigate through the loan process for my new home!
I've bought many properties and as stringent as the regulations are now, Starkey Mortgage made it a breeze!
The communication is fantastic. Everyone I dealt with was friendly, courteous and above all, completely competent.
I highly recommend Starkey Mortgage to anyone and everyone!
I can't thank Pam enough for making a commonly taxing process relatively effortless.
May 2015   Donna Watt - Office Manager @ J Douglas Homes
High Point NC
Pamela Caldwell is a very dedicated Branch Manager at Starkey Mortgage. Pamela even worked on the weekends to strive and get everything done for my family in order to get us through the loan approval process so that we could begin building our dream home. Her staff are very knowledgeable and exemplify customer centric business in lending. Their responsiveness and pleasantness is sadly a rarity these days, and so appreciated. Highly recommend. You won't regret the decision.
Kevin Via.Project Manager.Department of Veteran Affairs
May 2015   Kevin Via - Project Manager @ Dept of Veteran Affairs
Thomasville NC

Pam was wonderful to work with. The process was quick and easy. I have already recommend Pamela to friends. I would 100% use her again. If you are looking for someone you can trust, Pamela is that person. Cheryl Martin, Administrative Assistant, Wesleyan Christian Academy

May 2015   Cheryl Martin - Administrative @ Wesleyan Christian Academy
High Point NC
My husband passed away and I needed to sell my home. I found the perfect house. Pam was so helpful every step of the way. I had a lot of "things, loose ends" relating to my husband's death. However, Pam was so helpful and guided me through the process. I HIGHLY recommend her for any mortgage needs you may have. Virginia Washburn Teacher
May 2015   Virginia Washburn - Teacher @ Randolph County
Trinity NC

I'm a real estate attorney and have been representing clients who buy and refinance homes and investment properties for over fifteen years now. Pam Caldwell and her entire team are among the best in mortgage lending. Their professionalism makes the closing process go very smoothly.

March 2015   Harold Crews - Real Estate Attorney
Kernersville, NC

Hello Pam & Megan,

Thank you so very much again for all your fast service in getting our personal home loan closed last Thursday!

It has been a privilege and joy to work with the whole team at Starkey. I look forward to continuing our relationship in the years to come.

Thank you.

March 2015   Dan Frank - Owner @ Farm Bureau Insurance agency of Bermuda Run NC

Hi Pamela,
Thanks for your help in getting this one closed today. Angela was extremely excited and said you did a Great job helping her through the lending process.
Thanks again,

February 2015   Stephan C. Baity - Broker/Realtor @ Coldwell Banker Triad

Pamela came highly recommended to us from co-workers/friends. We came away very impressed. She was extremely professional and walked us through the process from start to finish. Our loan was completed well before closing. Highly recommend Pamela!

-Jimmy and Lisa Smith

Wells Fargo Managers

February 2015   Jeff and Lisa Smith - Managers @ Wells Fargo
Winston Salem

Pamela really helped me when other people didn't want to take the time to help but Pamela did. She talks to you like she knew you for years and wants to help you get what you want. I highly recommend anyone to go to her.

January 2015   Robert Roof

Over the last few years most of my friends have bought houses and told me how much of a pain it could be. As a first time home buyer other peoples experiences was all I knew. After meeting with Pam and Megan for the first time I knew they were the right pick for me. Although most professionals that want your business can be kind and act like they care at first, Pam, Megan, and Kelly where not only extremely knowledgeable about their jobs but also proactive, kind, and very fast with responses throughout the entire process. I would highly recommend Pam, Megan, and Kelly to anyone in the market to buy or refinane a home!

Thank you so much for all of your help :)

Stephen Helms,

December 2014   Stephen Helms

Thanks so much Pam for everything!! It was very nice working with you and Starkey.

December 2014   Kris Howard - @ Chatham Homes Realty

Thank you so much.   We greatly appreciate the assistance of everyone at Starkey Mortgage.  You can rest assured that we will recommend Starkey Mortgage to friends and family that could benefit from your friendly services and professionalism.

Thanks again

November 2014   Bill Miller - @ Averistar

We highly recommend Pam and the Starkey Mortgage team. We were first time home-buyers and of course went in not really knowing what we were getting ourselves into however from start to finish Pam was patient, understanding, and eased all of those fears . Pam would respond to text, emails, phone calls, no matter the time or day. We were kept informed throughout the entire processing of our loan. Pam had us at the closing table and in our dream home in no time! Thanks Pam and the Starkey Mortgage team for making our dream come true!

November 2014   Tiffany Whitaker - @ BCBS of NC

Pam, Megan, and Kelly were the absolute best to work with in purchasing a home.  Each of you made the process stress free and I would highly recommend anyone looking to purchase a home to you!!!  We had the best experience possible!

November 2014   Tony and Connie Cuthrell - HR @ Valspar

Very deserving of 5 stars, Pam Caldwell and Starkey Mortgage did an outstanding job for my husband and I. She had endless patience as we asked numerous questions throughout the year-long duration of our home search and continued to keep us very informed throughout the loan approval process. She took time to explain any and all details to us and was very quick to respond to all of my questions and emails, which I really appreciated. She always went above and beyond by being readily available ANYTIME we needed her or had a question. Pam and her team were a pleasure to work with and we would HIGHLY recommend them if you want your home buying process to be fun and easy! 

The Odom Family - Athletic Director & Assistant Director of University @ Wake Forest University

I recommend Pamela Caldwell and her entire team to anyone looking for a mortgage. She explained every step of the mortgage process and every email was followed up with a phone call to see if I had any questions. Everyone I dealt with on her staff was a pleasure to work with. They truly do put the customer first. 

The Swaim Family - Division Manager @ Joseph A Bank

I was referred to Pamela from one my friends and I should say Pam is really what I had heard about. Note: I was rejected a loan from Bank of America before I went to Pamela. She is very responsive, knowledgeable, quick and sweet. Total Turn Around Time from Loan Application to Loan Closing = Less than a month Below are some of the things she helped on and why she deserves a 5 Star Rating: 1. Quick responses to email, text, phone calls 2.Clearly explains every single thing I do not understand. 3. Re-explains when I say I did not understand that again. 4. Open two way communication, she never hides anything. 5. Great person to work with 6. She is very thorough with her work, very responsive, cares more about what you want rather than getting you to just buy, she is very patient. 7. Gives you lot of options and a recommends you the best option based on your needs 8. She is very devoted to her job and knows her job very well. 9. I have had her email even around 11 PM and she responds back in less than 5 mins 10. Unbelievable experience, highly recommend. Pamela is the best agent you are ever going to have. Trust me. Period. 

Syed Shah - @ K-Force

Pam & Megan, I had two deals go under contract the same day. The other lender was 180 degrees opposite of the Starkey Team. But, I just wanted to thank you for working so hard as a team to bring contrast to that other loan. The Rotens are thrilled with their new home and please know I appreciate how hard you worked to make things go smoothly for them! Let's do it again soon! All the best, 

Carolyn Esterly - Realtor @ RE/MAX

Once my husband and I found the neighborhood and land to build our perfect home, we needed to find someone who would help us with the loan process. Pam was wonderful! She helped us from start to finish, making the entire process run smoothly. It was amazing! 

The Proano Family - @ Shamrock Corporation

Pam and her team at Starkey Mortgage are wonderful! She was always responsive to messages and e-mails, answered my questions knowledgably and quickly, and was quick to put any fears I had to rest. From the initial application for a pre-qualification through the document gathering and application processing, Pam was professional and thorough. I was kept in the loop through every step of the process and could always call or e-mail if I had any concerns. I would recommend Pam to anyone looking to purchase a house! 

April Gray - @ BB and T

You did a great job to make my home buying experience a smooth one. Hence, I recommended you to my colleague. 


Pam was incredibly patient and thorough when explaining the house buying process. Anytime I had questions she was quick to respond and very friendly. Her attitude was consistently positive and up-beat even when I asked the same questions multiple times. 

Courtney Fenner - @ Hanes Brands Inc.

Pamela was fantastic! She went above and beyond to help us with financing our new home. We went thru two other lenders prior to working with Pamela. She found a way to help us out when they would not. Her entire staff went the extra mile to ensure everything was in place and our closing was easy. I would highly recommend Pamela to anyone needing help with a home loan or refinance. 

Mariea Snyder - Owner @ Tiger Rock Martial Arts

As the closing attorney, I can say that this transaction was handled competently, smoothly, and efficiently by Pamela, Beverly and everyone involved in the transaction over at WR Starkey Mortgage. They made my job much easier, which definitely made my client happy as well! 

Scott K. Burger - Attorney

The most impressive quality that led me to use Pam is her passion. She truly uses her heart in her suggestions to the customer. She unites her desire with that of her customers... It is a long term investment and commitment so, she considers presenting all the relevant information that people should know prior to making their decision. 

Kimberly Aguilar

Hi Megan, Wow that is great news! I can't believe the amt due and the monthly payments, this is so exciting. Just want to thank you and Pam for making this a very easy process and you bet we will definitely tell anybody that is looking for a mortgage. 

Sue Hamilton - Realtor @ BHHS Carolinas Realty

I would highly recommend Pamela Caldwell when looking for your first home. She walked me through the process and everything went along very smoothly. If I had a question she was always attentive and professional. 


Hi Pam, I want to say it was a real pleasure to work with you and Megan on the loan process for the Cardillo's. The closing went well today and they seem to be really happy and excited about their new house! Hope we can do more transactions together! Thank you again and have a good afternoon, 

Tanya Simmons - Realtor @ Coldwell Banker Triad Realty

I recently purchased my first home and can honestly say that working with Pamela and her amazing staff was the highlight of the whole process. From the first moment we spoke she made me feel as if I was her only client, promptly returning all calls and emails, and kept me informed of every step. My work schedule is constantly changing yet Pamela made herself available whenever I needed her, even offering to open her office on a Sunday morning to meet with me! She took the time to listen to all my needs and concerns, researched the options that would be best for me and ensured I understood all the details and felt comfortable with every step of the process. She provided the level of customer service you rarely encounter anymore. I am now living in my dream home and would highly recommend Pamela to anyone! 

Megan Royal - General Manager @ Barnes and Noble

Pam, I hope you and your family had a wonderful Easter!!!! Thank you for being so supportive to me and my family.....you guys are wonderful!!!! I am having such a wonderful time decorating the new house there are so many choices to be made but I am having a blast. You made MY DREAM COME TRUE.....Thank You!!!! I do have your business card and I will definitely come to see you guys. Thank You,

Theodora Katsis - Professor

Pam is a pleasure to work with! Answered any and all questions in a timely matter with exceptional customer service. Extremely professional, and made my home buying experience wonderful. I would certainly recommend Pam and Starkey Mortgage! 

Cameron Hunter - @ TE Connectivity

Thank you very very much , You and the team working with you are great. I will really remember you in my life. Thanks again

Ehsan Rasool

I am a first time home buyer and Pam made me feel very comfortable and confident despite my lack of knowledge. From the first time I spoke with her she directed me in how to improve my credit score. She stayed in contact with me throughout my credit repair process in making sure I stayed on tracked. She made herself available to me for any questions or concerns. Once I was ready, she guided me throughout the whole process. She is very knowledgeable, honest, reliable, punctual and most important she is very down to earth!! She always made me feel like she had my best interest at heart. Her staff was exceptional and made me feel welcome and treated me as if I was one of their own. I couldn't ask for a better relator and team in helping me with one of the biggest decision in my life. I received TOP KNOTCH service!! I am truly grateful to have her working on my behalf. I would definitely use her again for any of my future home purchase needs!!! Starkey Mortgage is the way to go!

Shameka Deese

Well i dont think this inbox can hold all the info i would like to give u about Ms.Pamela Caldwell she went over and beyond the call of duty to help me and my family with our first home buying needs she worked after hours helping me through out the process step by step any questions i had she was very quick and responsive... her sales team was great also keep me informed with what documents i needed to make the process go smooth if it wasnt for her i was going to give up, she keep me positive and focused on the Big Picture am so grateful for her and the people that work with her if your in the market for a home FIRST TIME BUYERS or any Home Buying PLEASE call her she will make the buying process as pain less as possible thank God for hard working people like her and her sales team GO Starkey Mortgage 100% Thanks again!!! 

Mr Newkirk - Reggie Newkirk

I will surely spread the word. You have all been so helpful, and I really appreciate the work you have done. Honestly trying to find a house was much more stressful than buying one. Which everyone told me different. Thank you for your hard work and making this much less painful than I thought it was going to be. Y'all are awesome!!! Thanks again, 

Joe Crowder - Service Manager @ Carolina BMW Motorcycles

When it was time for my wife and I to purchase our first home I was recommended to reach out to Pamela Caldwell from a member of my church who had closed numerous loans with her. From the pre-approval letter to the selection of the right mortgage product and all the way through closing, I had confidence that my best interests were being addressed with genuine care and compassion. Pamela is fantastic at what she does and helped us get into our home on the closing date as scheduled. Our first child was born just nine days later and I'm so glad we chose Pamela!

The Trammel Family - @ Time Warner Cable

We were very pleased with Starkey Mortage. Pamela was very helpful and quick with responses to all of our questions. She presented us with multiple options and guided us to the best fit for our situation. It was very refreshing to work with a lender that truly had our best interest in mind. We highly recommend Starkey Mortage.

Lynda Butler-Storsved - Director of Athletics Training Services @ Elon University

Hi Pamela,I just wanted to thank you for the really creative notecards portraying my new home. I've never seen anything like it! They are so cool!!! Thank you again for your quick and efficient loan process. And please extend my gratitude to your team. Know that you'll be the one I will refer anyone looking for funding. Take care! Respectfully,

Cheryl Nadeau

I am a Real Estate Paralegal. As you know my job can be very stressful. I just wanted to take a minute and thank you guys for a smooth closing. We had the package early and getting hud approval was so easy. Thank you again for a great experience. Wish all our customers would use you. Sincerely,

Amy G. Powers

Hey Pam! I just wanted to send a quick note and tell you how appreciative I was to your closer on Friday, Beverly. She was very quick to review our documents, send the needed requirements back over and then review the final docs again. She then went out of her way to e-mail me personally to let me know the docs had been approved and the funding number issued. That was excellent customer service and when I used to be a closer, that was not something typcial we used to do! We thank you, Megan, Loretta and all the others that helped with our loan closing!

The McArthurs

Pam was wonderful to work with on our new home purchase. She always promptly called or returned messages, always kept us up to date on our loan status and is super knowledgeable about the lending business! We would definitely use her again if the need arises and would absolutely recommend her to anyone.

Angela Harrelson McArthur

I live approx. 2 hrs. away in another city. Pam was able to help me get a lower % rate by streamlining a current loan I had with another Mortgage company. I was so impressed with Pam because she wasn't pushy and made everything easy for me so that I didn't get stressed out in the process. I was able to close the loan locally. I would strongly recommend Pam for any of your Mortgage finance or refinance needs. 


Pam and her team are awesome!!! They were very patient with us, knowledgeable and being first time home buyers we felt like they have our best interest at heart. They worked tirelessly during the busiest time of the year and where everyone was busy during the holidays, they were busy helping us get our new home. We got to close within the time frame we were hoping for! Our friends and families were saying our time frame was impossible to achieve but Pam and her team made it happen! I would definitely refer them to my friends because you get the best!


Pam gets a 5-star rating on all fronts!!! I used her to close a purchase loan a few years back and again to refinance when rates dropped. I have also recommended Pam to several family and friends and they were equally as impressed! She is very professional, knowledgeable and honest. She genuinely makes an effort to understand each client's needs and comes up with the best solution, even if it sometimes means her services are not the best fit. Her follow through is phenomenal! I've seen here work diligently with a client who was not ready to close for various reasons until all of the issues were worked out. I don't think anyone who uses Pam will be disappointed!


My husband and I are so pleased with the service and knowledge that we received from Pam while building/buying our new home. She walked us through the process thoroughly and was always available, day or night, to talk to us and answer any questions we had. We will definitely go through Pam for any mortgage or refi needs that we may have in the future and highly recommend her to everyone!!

Kyle and Courtney - @ Evonik Stockhausen LLC

Pam is an outstanding mortgage broker. She responds quickly to calls and questions. She is efficient, honest and is always working to find the best loan possible for you. We have used her several times in the past and will certainly use her mortgage expertise in our next purchase. You can trust in Pam to do the very best for you.

Steve and Jane Robbins - Owner/Broker @ Ridgewood Realty

Pamela Caldwell responded to my request for mortgage information within minutes, and this was during the Thanksgiving holiday! She is very professional and has a wealth of information immediately available. The loan process was quick and painless. I would highly recommend Pamela for every mortgage need.


Pam was great through the whole process. She had great follow up and was on the ball from the get go. I never felt like I had to follow up with her because she was updating us on a regular basis. We had a tight window of time to close our mortgage and she got it done unbelievably quick and painless!

Chris and Heather