Pam Caldwell is dedicated to creating innovative solutions that deliver great results to her customers and business associates. Since 2001, Pam's extensive financial knowledge and experience in the mortgage industry has given her the ability to tailor each loan specifically to each borrower and family situation. While able to provide popular loan programs such as conventional and jumbo home loans, VA loans, FHA loans and USDA loans, she is extremely well-versed in new construction loans and North Carolina down payment assistance programs.


Pam wants to build a long-term relationship with her borrowers, realtors and other business associates by giving unparalleled service and personal attention. Providing a transparent loan process and proactive communication helps to ensure that everyone in the transaction has a positive experience.


Pam understands that working full-time and raising a family keeps homebuyers busy, so she is available to assist her borrowers after hours and on weekends.

Branch Manager

Pam Caldwell is your Winston Salem local lender. As a loan officer at Certainty Home Lending, Pam is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Pam at (336) 617-2841 for more information!

Pam Caldwell at Certainty Home Lending (NMLS #83707)

Winston Salem

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1 Loan Officer Winston Salem, NC