man in business office

Pamela Patenaude

Mortgage Loan Originator

NMLS #: 719008
Office & Cell number: 413-519-2161
Fax: 413-583-4580
645 Center Street
Ludlow, Ma 01056
8:00 AM to 5:00 PM

Whether this is your first home, your dream home, or time to refinance, it’s important to feel comfortable with the person handling your financing. With over 10 years of experience, I can help you navigate every step of the mortgage process to make sure you have the quickest and smoothest experience possible. Contact me today to discuss how I can help you achieve your goals and answer any questions you may have about the home buying process.

Applying or pre-qualifying online is as easy as 1-2-3. You can pre-qualify or apply now in as little as 20 minutes.


  1. Click Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed for instant online approval.
  3. I will follow up to answer your questions.

My goal is to provide the highest level of service at competitive rates. I am only a phone call away if you need help. Contact me at 413-519-2161.

MassHousing Mortgages

Freedom offers MassHousing Mortgages to low- and moderate-income first-time homebuyers. These mortgages can be obtained with or without Private Mortgage Insurance and a down payment of 3% or more is required.

MHP – ONE Mortgages

Freedom now participates in the ONE Mortgage Program and offers the ONE Mortgage to low- and moderate-income first-time homebuyers. A down payment of 3% or more is required, but Private Mortgage Insurance is not.

FHA Loans

FHA loans offer lower down payments and are a good option for first-time homebuyers. The loans are insured through the Federal Housing Administration (FHA), which is part of the U.S. Department of Housing and Urban Development.

USDA Loans

Loans through the U.S. Department of Agriculture (USDA) can help rural homebuyers achieve their dreams of owning their home! USDA loans are also not limited to first-time homebuyers.

VA Loans

VA loans, through the U.S. Department of Veterans Affairs (VA), help Service members, Veterans, and eligible surviving spouses become homeowners. Certain eligibility requirements apply.

For more information and rates on the above loan programs, contact Pam!


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    Try our mortgage calculators to help you make a decision.


Mortgages and Home Equity Loans

Today's Featured Rates

30 Year Fixed Rate
 Rate  APR  Points
 6.500%  6.619%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 5.750%  5.941%  0.000%
5/1 Adjustable Rate Mortgage
 Rate  APR  Points
 4.500%  6.367%  0.000%
7/1 Adjustable Rate Mortgage
 Rate  APR  Points
 4.750%  6.172%  0.000%
Home Equity
Home Equity Line of Credit
 Rate  APR  Points
 4.250%  4.250%  0.000%
10 Year Fixed Rate Home Equity Loan
 Rate  APR  Points
 4.750%  4.750%  0.000%

Personalized Quote

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