About | Close With Pam
Meet Pam Marron
Your Local Florida Mortgage Professional
I am Pam Marron, your local Florida mortgage professional. I've originated FHA, VA, Conventional, USDA and HELOC/2nd mortgages for residential homes in Florida for the last 41+ years. During that time, I've also become a specialist in down payment assistance, credit help, and federal student loan repayment plan and default resolution help. And if you need longer term attention to issues that stand in the way of getting a mortgage, I can refer you to a certified HUD counselor who can assist you until you are mortgage ready. I am passionate about helping my clients, and focus on bringing you peace of mind throughout the home financing process.
From the first phone call to the closing, my processor and I are here for you! Regardless of your situation, I will direct you through the process and continue to be a resource well after your loan has closed.
Background
My Specialties Came out of the Housing Crisis
Though I have been a loan originator in Florida since 1985, it wasn't until the 2008 housing crisis when credit issues never experienced before in the mortgage business occurred. Short sales were incorrectly showing up as a foreclosure causing a 7-yr delay to get a new mortgage rather than the 4-yr wait required. Florida was #2 in the U.S. with short sales and millions of clients were denied a new mortgage even though they were eligible. I worked for 3 years with the CFPB, the National Credit Reporting Association (NCRAinc.org) and U.S. Senator Bill Nelson (D-Fl) to get a fix for that issue. Because of that deep dive into credit code, I learned where to look for hidden issues on credit reports. Today I use mortgage credit tools like CreditXpert, Meridian Link and the new FICO Score Mortgage Simulator to see where improvement can be made on credit reports for those working to get credit scores increased.
In 2016, I was appointed to the first HUD Housing Counseling Federal Advisory Committee (HCFAC) and served until 2019. It was on this committee that I learned how certified HUD Counselors can help pre-mortgage clients prepare for home ownership. Since then, I have worked with other mortgage colleagues to connect loan originators with clients who need pre-mortgage help to HUD counselors who can assist clients with down payment assistance (DPA), student loan repayment plans and default resolution, credit help and more.
In 2022, I developed a resource website called Clients2Homeowners.com that provides DIY help for loan originators who want to provide direction for challenged clients as they get mortgage-ready.
My goal will always be to have resources available for clients who are willing to do the work to get a mortgage. Contact me today and let's work together on a mortgage for you!
Get Mortgage Ready