Paul Byron, NMLS 24931

Paul Byron, NMLS 24931 When it comes to mortgages, PJ (Paul) Byron knows a thing or two. You can say that PJ is deeply rooted in the mortgage business.

PJ Byron | Mortgage Loan Officer NMLS # 24931 | 2nd Generation Owner & President of South County Mortgage | Divorce Real Estate Collaboration Specialist | Equal Housing Opportunity
www.SouthCountyMtg.com PJ is a dedicated and experienced mortgage professional that has been helping his clients achieve the dream of homeownership, save money through refinancing, and use their home equity to achieve

their goals for over 25 years. With PJ's expertise in purchases and refinances in both residential and commercial properties, you can rest assured that all your mortgage needs can and will be met. On many occasions PJ has gone above and beyond for clients, and he prides himself on always answering the phone, shopping relentlessly for the most competitive rates and lowest closing costs, and finding solutions to even the most complicated mortgage situations. PJ and his team have been together for over 20 years and are skilled in helping buyers and homeowners in RI, MA & FL achieve their home goals. Whether you’re refinancing or buying a home for the first time, PJ and his team will provide you with top notch customer service, fast and efficient closings, and professional help and guidance throughout the process. Because of this, PJ has been consistently named a Five Star Professional every year since 2019. In 1995 his father, Paul Byron Sr, started his own mortgage brokerage, South County Mortgage Corp., where PJ learned the business and eventually inherited it in 2009. In the past 25 years, PJ has been through many ups and downs in the mortgage industry, but his dedication to the industry and his clients has withstood the test of time. At South County Mortgage, customer service is a way of life. The team is dedicated to finding great rates and loan options for customers while offering some of the fastest turn times in the industry. Their goal is to act as a trusted advisor, providing highly personalized service and helping clients through every step of the loan process – from application to closing and beyond. It’s all designed to exceed expectations, provide satisfaction, and earn trust. PJ is also certified as a Divorce Real Estate Collaboration Specialist, a skill he uses to help family lawyers, paralegals, and mediators complete the case file regarding secured house debt and homeownership eligibility through divorce mortgage guidance. He is dedicated to helping attorneys, paralegals, and their clients through the emotionally difficult process of navigating divorce and the real estate market at the same time. When he’s not assisting his clients, PJ is likely spending time with his family, beloved pup Missy who he inherited from his father, or enjoying all things sports - from local to professional football, basketball, baseball, or hockey. He met his wife Olivia while attending URI and they have been together since 1998, married since 2011, and raised one daughter together. Being an avid animal lover, PJ has contributed to multiple charities for animal hospitals and local pet rescues.

06/08/2026

Most people delaying their home purchase are sitting on the down payment right now.

It's in your 401k. And no, using it doesn't mean wrecking your retirement, if you do it the right way.
The wrong way costs thousands in taxes and penalties. The right way costs almost nothing.

DM me me today and I'll show you which is which.

06/05/2026

"Rates dropped, I should refinance."

This is the assumption that costs people the most money.
A refinance only makes sense if you stay in the home long enough to recover the closing costs. That's your break-even point.

If closing costs you $8,000 and you save $200/month, your break-even is 40 months. If you sell in 24, you lost money. Even though the rate was lower.

The math isn't "rates dropped." The math is "rates dropped AND I'm staying long enough to benefit."

If you're in RI, MA, or FL and want me to run the break-even on your loan before you refinance, DM me.

Let's fix that.

PJ Byron | South County Mortgage | Rhode Island | Massachusetts | Florida | Homebuying | Rhode Island News | Mortgage Loan Officer | First Time Homebuying | How to Buy a House

Thirty years ago my father built this company from the ground up as an independent mortgage broker in Rhode Island.The m...
06/04/2026

Thirty years ago my father built this company from the ground up as an independent mortgage broker in Rhode Island.

The model he believed in then is the same reason loan officers are choosing broker shops today.

No middleman.
No rate markup.
Direct access to wholesale pricing and the freedom to actually serve your clients better than any bank can.

We are currently building our elite team and looking to add experienced loan officers in Rhode Island, Massachusetts, and Florida.

150+ BPS commission. 40+ wholesale lenders. A dedicated processor on every file. And a shop that has been doing this long enough to know how to take care of the people who work here.

If you are ready for a conversation, reach out directly. No pressure. No rush.
DM me or call 401-626-5983 for a confidential conversation!

June is Men's Health Month, and the message is simple. Take care of yourself, because the people who count on you are co...
06/04/2026

June is Men's Health Month, and the message is simple. Take care of yourself, because the people who count on you are counting on you to be around.

A lot of guys are good at handling everything except their own checkups. Same goes for the financial side. You will put off the doctor, put off the conversation about money, put off the thing you know you should look at, until it becomes a bigger problem than it needed to be.

Here is the financial version of a checkup. When is the last time anyone actually looked at your mortgage, your rate, and what your home equity is doing for you? Most people have no idea, and they leave real money on the table because of it.

It costs you nothing to get checked. A short conversation tells you where you stand and whether there is a smarter move available. No pressure, just a straight answer.

This month, do the thing you have been putting off. Both kinds.

Saving this for the next time someone tells you a HELOC is "risky."PJ Byron | South County Mortgage | Rhode Island | Mas...
06/03/2026

Saving this for the next time someone tells you a HELOC is "risky."

PJ Byron | South County Mortgage | Rhode Island | Massachusetts | Florida | Homebuying | Rhode Island News | Mortgage Loan Officer | First Time Homebuying | How to Buy a House

June is Pride Month, a time to celebrate the LGBTQ+ community and honor the courage it took to fight for the right to li...
06/03/2026

June is Pride Month, a time to celebrate the LGBTQ+ community and honor the courage it took to fight for the right to live openly and be treated equally. It is a month about visibility, dignity, and belonging.

That same spirit carries into something we believe all year. The pride of homeownership is for ALL.

Owning a home is one of the most personal things a person can do. It is where you get to be fully yourself, build a life on your own terms, and put down roots without asking anyone's permission. Everyone deserves that. No exceptions.

For too long, too many people have felt like the door was not open to them, whether because of who they are, how they earn, or a number that scared them off years ago. We see it differently. Our job is to look at your real situation, give you honest answers, and find the path that fits your life.

If owning a home is something you want this year, let's talk. You deserve a lending partner who treats you with respect from the first conversation to the closing table.

Happy Pride 🏳️‍🌈

We are hiring experienced loan officers!Not trainees. Not career switchers.Experienced originators who know how to close...
06/02/2026

We are hiring experienced loan officers!

Not trainees. Not career switchers.

Experienced originators who know how to close and are tired of working for a company that eats their commission.

150+ BPS. 40+ wholesale lenders.
Dedicated processor. Zero red tape.
Independent broker shop. 30 years in business.

Better than bank rates and better than bank service, every time.
If that sounds like where you should be, join our elite team. Let’s talk.

DM me or call 401-626-5983for a confidential conversation

June is National Homeownership Month, and it is worth pausing on what that actually means. Owning a home is not just a t...
06/02/2026

June is National Homeownership Month, and it is worth pausing on what that actually means. Owning a home is not just a transaction. It is the place a teacher recharges after a long week, the first property an investor builds on, the proof a business owner gives themselves that the hard work paid off, the closing a great agent fought to protect, and the smart move a past buyer made years ago that is still working for them today.

Different people, same truth. A home is one of the few things that gives you stability now and builds something for later at the same time.

If owning a home is on your mind this year, the first step is smaller than you think. It usually starts with one honest conversation about your real numbers. No pressure, no judgment, just a clear answer on what is possible. That is what we are here for. Reach out anytime.

Past clients keep asking me the same thing: "Should I refinance to pull cash out?"For most of them, the answer is no. No...
06/02/2026

Past clients keep asking me the same thing: "Should I refinance to pull cash out?"

For most of them, the answer is no. Not because refinancing is bad. Because giving up a 3% rate to get to your equity usually costs more than the equity is worth.

Here are 5 ways past clients and investors are accessing equity without touching the first mortgage rate they locked in.

If you're in RI, MA, or FL and want to see what your numbers look like, DM me to run both scenarios side-by-side.

Let's fix that.

06/01/2026

Your 3% mortgage is an asset.
Your equity is an asset.
Most people don't know you can use one without giving up the other.

A cash-out refinance gives you cash and re-prices your ENTIRE loan at today's rate.
A HELOC gives you cash and leaves your first mortgage alone.

Two very different outcomes. Most people pick wrong because their bank only showed them one option.

If you're sitting on equity in RI, MA, or FL and want to see both scenarios side-by-side, DM me to run the numbers.

Let's fix that.

Address

19 First Avenue, Floor 1
East Greenwich, RI
02818

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

Telephone

+14016265983

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