ABOUT | Close With Pam

Pam's Story | Close With Pam

“Some people look for a beautiful place. Others make a place beautiful.” — Hazrat Inayat Khan

I am Pam Marron, your local Florida mortgage professional. As a licensed mortgage originator for the last 41 years, my reputation is built on professionalism, integrity and the ability to keep transactions on track. I am dedicated to helping my clients obtain a mortgage that fits their specific financial goals. I am passionate about helping my clients, and focus on bringing you peace of mind throughout the home financing process.

A woman wearing glasses and a black sweater smiles for the camera

From the first phone call to the closing, my processor and I are here for you!


In addition to assisting clients with FHA, VA, Conventional, USDA and portfolio mortgages, and including HELOCs, 2nd mtgs and renovation loans, I work with clients who have credit challenges with credit tools such as CreditXpert, FICO Score Simulator, Meridian Link, and Student Debt Solutions for student loan repayment plans. I specialize in down payment assistance and use Down Payment Connect to sift through all available DPA that my clients need. And if a client needs longer term attention to issues that stand in the way of getting a mortgage, I refer them to certified HUD counselors who stay with the client until they are mortgage ready. If the client is willing to do the work to get mortgage ready, I have options for them.


Regardless of your situation, I will direct you through the process and continue to be a resource well after your loan has closed.

My Specialties Came out of the Housing Crisis

During the 2008 housing crisis, credit issues never experienced before in the mortgage business occurred. A major problem was that short sales were erroneously coded as a foreclosure causing a 7-yr delay to get a new mortgage, rather than the 4-yr wait required. Florida had the 2nd highest number of short sales in the U.S. and millions of past short sellers were denied a new mortgage even though they were eligible. I worked for 5 years with the CFPB, the National Consumer Reporting Association  and former U.S. Senator Bill Nelson (D-FL) to get a fix through Fannie Mae. 


In June 2016, I was honored to be appointed by then-U.S. HUD Secretary Julián Castro to the inaugural HUD Housing Counseling Federal Advisory Committee (HCFAC). Through that role, I gained a deeper understanding of the critical pre-purchase work provided by HUD-certified housing counselors. Their scope of services directly aligned with many of the credit and financial readiness challenges that mortgage loan originators often encounter but aren’t always equipped to manage.


This led to a powerful insight: What if HUD housing counselors could work in partnership with loan originators to support clients who aren’t quite mortgage-ready? These trained professionals could help clients address credit issues, build budgets, explore down payment assistance, and prepare for homeownership—while loan originators could offer a lender credit at closing as an incentive for clients who completed the counseling process.


HomePrep: a solution driven connection between MLOs, their clients & HUD Counselors


A pilot program called HomePrep was developed to connect mortgage loan originators and their clients to HUD counselors. The program provides 7 most common client needs that loan originators encounter with clients. Homeprep is still in place and we work with HUD counseling agency National Foundation for Debt Management.  LO's who refer clients through HomePrep often provide a credit towards closing costs for clients who become mortgage ready and come back to the referring LOs for their mortgage.

Clients2Homeowners.com: LO resources for clients who aren't yet mortgage ready

Clients2Homeowners.com was launched as an educational resource for mortgage loan originators (MLOs) to know there is an option for clients not yet reaqdy for a mortgage. The site explains how collaboration with HUD counselors can help clients become mortgage-ready. Recognizing that some loan originators prefer a hands-on approach, the platform offers two pathways:

  1. MLO DIY Solutions – tools and resources for originators who want to work directly with clients to address credit and readiness issues.
  2. HomePrep for MLOs – a streamlined connection to HUD counselors who can assist clients through their challenges.

CloseWithPam.com is my own professional mortgage website and was made to highlight what I specialize in and where clients can discover that there are real solutions for their complex challenges.