Legal Disclaimer
Mortgage Disclaimer
The information provided on this website is for general informational purposes only and does not constitute a loan offer, commitment to lend, pre-qualification, or pre-approval. All loan programs, interest rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, property value, loan-to-value ratio, occupancy, loan purpose, and other factors. Not all applicants will qualify for all loan programs. Approval is subject to underwriting guidelines, credit review, and property appraisal.
All mortgage loan applications are subject to credit and property approval. Actual rates, payments, closing costs, and loan terms will be determined at the time of application and are dependent upon various factors including, but not limited to, credit score, loan type, loan amount, property type, property value, occupancy, and current market conditions.
Equal Housing Lender
We are committed to the letter and spirit of the federal Fair Housing Act and the Equal Credit Opportunity Act (ECOA). We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, familial status, or any other basis prohibited by applicable law. All loan applicants will be evaluated based on their creditworthiness and ability to repay.
NMLS Information & Licensing
Pam Marron — Mortgage Loan Originator
NMLS# 246438
NMLS Consumer Access — Pam Marron
Innovative Mortgage Services, Inc.
NMLS# 250769
NMLS Consumer Access — Innovative Mortgage Services
17717 Hunting Bow Circle, Ste. 101, Lutz, FL 33558
Phone: 727-534-3445
Email: pam@closewithpam.com
Florida State Licensing Disclosure
Pam Marron and Innovative Mortgage Services, Inc. are licensed in the state of Florida pursuant to Florida Statute 494 (the Florida Mortgage Brokerage, Mortgage Lending, and Mortgage Servicing Act). This website is intended for Florida residents or persons seeking mortgage financing for Florida properties. If you are located outside of Florida, please contact a licensed professional in your state for mortgage assistance.
Complaints or inquiries regarding mortgage loan originators or mortgage brokers in Florida may be directed to the Florida Office of Financial Regulation at flofr.gov or by calling (850) 487-9687.
Privacy Notice
We respect your privacy and are committed to protecting the personal information you provide through this website. When you submit a form on this site (including the contact form, quiz, or question form), we collect the information you provide, such as your name, email address, phone number, and any details about your mortgage needs.
How we use your information:
- To respond to your inquiry and provide personalized mortgage guidance
- To contact you regarding loan programs, rates, and options relevant to your needs
- To process your mortgage application if you choose to proceed
- To comply with federal and state regulatory requirements
How we protect your information: Form submissions are transmitted securely. We do not sell, rent, or share your personal information with unaffiliated third parties for their marketing purposes. We may share your information with affiliated service providers as necessary to process your mortgage application, as permitted or required by law.
For questions about our privacy practices, please contact us at pam@closewithpam.com or 727-534-3445.
TCPA Consent & Communications Disclosure
By submitting a form on this website, you provide your express written consent under the Telephone Consumer Protection Act (TCPA) to receive communications from Pam Marron and Innovative Mortgage Services, Inc. at the phone number and/or email address you provide. These communications may include phone calls, text messages (SMS/MMS), and emails related to your mortgage inquiry, loan status, and related services.
Message frequency varies. Standard messaging and data rates may apply. You may revoke your consent at any time by contacting us at 727-534-3445 or pam@closewithpam.com, or by replying STOP to any text message. Opting out of communications will not affect any pending mortgage application.
Advertising Disclosure (Regulation Z / TILA)
Any interest rates, annual percentage rates (APR), payment amounts, or other loan terms displayed on this website are provided for illustrative and educational purposes only. All advertised rates and terms are subject to change without notice and are not guaranteed. When specific rates or terms are advertised, they are based on assumptions that may not apply to your specific situation.
In accordance with Regulation Z (Truth in Lending Act), any advertisement that includes a "trigger term" (such as a specific interest rate, monthly payment amount, number of payments, or finance charge) will include the following additional disclosures: the amount or percentage of the down payment, terms of repayment (including loan term), and the annual percentage rate (APR), which may be increased after consummation if applicable.
The mortgage calculator provided on this website is for estimation purposes only and does not constitute a loan offer, guarantee, or commitment to lend.
RESPA & Affiliated Business Disclosure
In compliance with the Real Estate Settlement Procedures Act (RESPA), we disclose that we may have affiliated business arrangements with settlement service providers, including but not limited to real estate agents, title companies, appraisers, and insurance providers. When applicable, you will receive a written Affiliated Business Arrangement (AfBA) disclosure at the time of referral.
You are not required to use any affiliated service provider as a condition of your loan approval. You are free to shop for and select your own settlement service providers. Your choice of provider will not affect our willingness to make the loan or the terms of your mortgage.
Copyright Notice
© 2025 Close With Pam / Innovative Mortgage Services, Inc. All rights reserved. The content, design, images, and text on this website are the property of Close With Pam and Innovative Mortgage Services, Inc. and may not be reproduced, distributed, or transmitted in any form without prior written permission.