When it comes to mortgages, PJ knows a thing or two. 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 & refinances in both residential & commercial properties, you can rest assured that all your mortgage needs can & will be met. On many occasions PJ has gone above & beyond for clients, and he prides himself on always answering the phone, shopping relentlessly for the most competitive rates & lowest closing costs, and finding solutions to even the most complicated mortgage situations. PJ & 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 & his team will provide you with top notch customer service, fast & efficient closings, and professional help & guidance throughout the process. Because of this, PJ has been consistently named a Five Star Professional every year since 2019. You can say that PJ is deeply rooted in the mortgage business. In 1995 his father, Paul Byron Sr, started his own mortgage brokerage, South County Mortgage, 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 & 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 & 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 & helping clients through every step of the loan process – from application to closing & beyond. PJ is also certified as a Divorce Real Estate Collaboration Specialist, a skill he uses to help family lawyers, attorneys, paralegals, mediators & their clients navigate divorce and real estate simultaneously, all while helping to complete the case file regarding secured house debt & homeownership eligibility, through divorce mortgage guidance. 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. An avid animal lover, PJ has contributed to multiple charities for animal hospitals and local pet rescues.