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.

09/07/2026

Builders often offer thousands of incentives to move inventory quickly, but they don't advertise it. This means that as a savvy homebuyer, you might be missing out on incredible deals and opportunities!

From closing cost assistance to upgrades and extended warranties, these hidden incentives can significantly reduce your overall expenses when purchasing a new home. You could save big while finding the perfect home!

PJ Byron | South County Mortgage | Homebuying | First Time Homebuying | How to Buy a House | Down payment

09/05/2026

Want a good deal on a house? Find the motivated seller! Motivated sellers are those who need to sell their homes quickly, whether due to financial issues, relocation, or other personal circumstances. By identifying these sellers, you can negotiate better deals and potentially purchase properties below market value.

Keep an eye out for signs of motivation: properties that have been listed for a while, homes that are in disrepair, or sellers who are open to creative financing options. Doing your homework and being proactive in your search can lead you to excellent opportunities in the real estate market!

PJ Byron | South County Mortgage | Homebuying | First Time Homebuying | How to Buy a House | Down payment

09/04/2026

Most buyers think saving for a down payment will take YEARS!

But what if I told you there are programs that can cover part or even all of your down payment? The crazy part is that hardly anyone knows they exist.

Imagine stepping into your dream home sooner than you thought possible! Don't let the myth of needing a hefty down payment hold you back. There are various assistance programs, grants, and loans designed to help make homeownership more accessible.

If you're ready to explore these options and see how close you really are to owning your home, DM me today!

PJ Byron | South County Mortgage | Homebuying | First Time Homebuying | How to Buy a House | Down payment

09/02/2026

Want to lock in yesterday's interest rates even if you're buying today? That's the power of an Assumable Loan.

With an assumable loan, you can take over the existing mortgage of the home you're purchasing, allowing you to benefit from potentially lower interest rates that were available before. This means you could save significantly on your monthly payments compared to new loans with today's rates!

Are you considering a home purchase? Don’t miss out on this opportunity! 🏡💰 Let's chat about how an assumable loan could work for you!

PJ Byron | South County Mortgage | Homebuying | Mortgage Loan Officer | First Time Homebuying | How to Buy a House

08/22/2026

Is your house making you poor? 🏡💸 Many homeowners struggle as lenders often approve loans beyond their means. Aim for your monthly payment to be one-third of your income to maintain a balanced budget and leave room for savings and enjoyment. Don't let your home become a financial burden—know your limits!

PJ Byron | South County Mortgage | Homebuying | Mortgage Loan Officer | First Time Homebuying | How to Buy a House

08/21/2026

Are your parents sitting on a gold pile of equity? A reverse mortgage can help them convert home equity into cash for retirement. Whether funding travel, covering healthcare, or enhancing their quality of life, tapping into that equity can make a difference.

Book a call with me using my link in bio, and let’s get your assets and the bank working FOR you, not against you.

PJ Byron | South County Mortgage | Homebuying | Mortgage Loan Officer | First-Time Homebuying | How to Buy a House

08/19/2026

Thanks for getting that done so quickly, I appreciate it!

PJ Byron | South County Mortgage | Homebuying | Mortgage Loan Officer | First-Time Homebuying | How to Buy a House

08/17/2026

Type "Yes" in the comments to claim your fish tacos 👇 😂 😂

PJ Byron | South County Mortgage | Homebuying | Mortgage Loan Officer | First-Time Homebuying | How to Buy a House

08/15/2026

Investors! Instead of going through the nightmare of selling a house to buy another one, do this instead!

Take out a HELOC (Home Equity Line of Credit) from your first home and use that as a down payment on your next house. By renting out your original house, you’re not only generating additional income but also building equity in two properties simultaneously!

This strategy allows you to leverage your existing asset for growth while minimizing the stress and hassle typically associated with buying and selling homes. Think smart, invest wisely!

PJ Byron | South County Mortgage | Homebuying | Mortgage Loan Officer | First-Time Homebuying | How to Buy a House

08/14/2026

Federal Capital Gains Tax is when you sell an asset, such as stocks or real estate, for more than you paid for it, resulting in a profit. The government taxes this profit, which can significantly affect your overall returns.

Being informed about how these taxes work can significantly impact your investment strategy and financial planning. Understanding the nuances of short-term vs. long-term capital gains is crucial, as they are taxed at different rates. Short-term gains (for assets held for one year or less) are taxed at your ordinary income tax rate, while long-term gains benefit from lower tax rates, making strategic holding periods vital.

PJ Byron | South County Mortgage | Homebuying | Mortgage Loan Officer | First-Time Homebuying | How to Buy a House

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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