PJ Byron at Rate

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PJ Byron at Rate 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 | Branch Manager & Loan Officer NMLS 24931 | Rate NMLS 2611 | Divorce Real Estate Collaboration Specialist | Equal Housing Opportunity
https://www.rate.com/loan-officers/pj-byron-24931 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 has been helping buyers and homeowners in RI, MA, CT & FL achieve their home goals for over 25 years. Whether you’re refinancing or buying a home for the first time, PJ 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 Rate, 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 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.

09/25/2026

The RERR: The Real Estate Relaxed Route

Step 1: Financial Fitness Check - Before diving into the home-buying journey, it's crucial to get pre-approved. This means understanding your budget and what you can afford. Knowing your numbers empowers you to make informed decisions and sets a solid foundation for your real estate adventure.

Step 2: Decoding the Market - Partner with a knowledgeable real estate professional who is well-versed in current market trends. They’ll help you navigate the landscape, ensuring you consider important factors such as resale value, neighborhood dynamics, and potential growth areas. It’s all about making a smart investment!

Step 3: Sealing the Deal - Once you’ve found that perfect property, your agent will take charge of coordinating all essential aspects like title reports and inspections. This step ensures a smooth transaction and gives you peace of mind as you move closer to unlocking the door to your new home!

Ready to take the first step? Let’s make your real estate dreams a reality! DM me today for a pre-approval!

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

09/23/2026

Housing Data from the last 40 years says that if you had perfectly timed the absolute bottom of the market vs just buying whenever you were ready, the difference in your wealth would be 4.2%. That's it. Only a 4.2% difference for perfect timing that no one actually achieves.

Don't stress about waiting for the "perfect moment" to invest in your future! It's more important to buy when you're ready and comfortable, rather than trying to chase an unattainable ideal. DM me today for a pre-approval and let’s make your homeownership dreams a reality!

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

09/21/2026

Did you know getting a home inspection can actually SAVE you money? It's not only about spotting problems; it's a smart investment that can pay off in the long run!

A thorough home inspection can uncover hidden issues that may cost you significantly down the road, such as faulty wiring, plumbing leaks, or structural concerns. By identifying these problems early, you gain leverage in negotiations with the seller. You can ask them to make necessary repairs before closing the deal or even request credits towards your closing costs.

This means more money in your pocket to spend on what really matters! So before you buy that dream home, make sure you schedule a home inspection. It’s a small step that can lead to big savings!

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

09/19/2026

Starting a new job doesn't automatically disqualify you from buying a new home! In fact, you may still be eligible to secure a mortgage. Lenders often understand that job changes can be a part of career growth, and they may take factors such as your previous employment history and overall financial stability into account.

If you're considering purchasing a home shortly after starting a new job, it’s essential to gather all necessary documentation, including proof of income and employment verification.

You might also want to consult with a mortgage advisor who can guide you through the process and explore your options. Don’t let a job change hold you back from achieving your dream of homeownership. DM me today!

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

09/18/2026

$20K in stocks vs. $20K in real estate: Which one generates more wealth?

Here’s a crucial perspective many overlook: real estate allows you to grow your wealth using funds from the bank.

The key factor? Leverage.

That same $20K invested in the stock market could serve as your down payment for a $400K property. If that property appreciates, even slightly, your returns could significantly surpass those from stocks.

This is why real estate has been instrumental for countless families in creating lasting wealth. You're not merely investing; you're owning, building equity, and benefiting from appreciation.

If you've been saving but are unsure how to make your money work harder for you, let’s chat!

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

09/16/2026

Check out this HUGE donut cake from RI Guys down in Wakefield, RI. It was so good! The presentation was stunning! If you’re in the area, you’ve got to give them a visit!

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

09/14/2026

I can't make this any simpler. Interested in buying a house? Call a mortgage professional like me! With over 30 years of experience, I can guide you through the process with ease and confidence.

From understanding your financing options to securing the best rates, I've got you covered every step of the way. Don't navigate the home-buying journey alone. DM me today and let's make your dream home a reality!

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

09/12/2026

If your house has been sitting on the market for months, there are 3 main reasons it might not be selling. 🏡

1. Seriously overpriced. A good realtor would conduct a thorough market analysis to price your home competitively, ensuring that it attracts potential buyers rather than deterring them with an inflated price tag.

2. The real estate agent is terrible - they don’t answer the phone, make the house difficult to show. Communication is key in real estate! If your agent isn’t responsive or makes scheduling showings a hassle, interested buyers may lose interest quickly.

3. Something is wrong with it. Maybe the house is on a noisy road, or improvements need to be made. Factors like location and condition can greatly impact buyer interest. Addressing these issues can help make your home more appealing to potential buyers.

Don’t let your home linger on the market! Assess these factors and take action to get it sold!

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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