# Close With Pam

> Close With Pam is the mortgage practice of Pam Marron (NMLS# 246438) at Innovative Mortgage
> Services, Inc. (NMLS# 250769) in Lutz, Florida, licensed in Florida and Tennessee. Pam has
> originated FHA, VA, Conventional, USDA and HELOC/second mortgages for Florida residential
> properties since 1985, and specializes in down payment assistance, credit help, federal
> student loan repayment and default resolution, and referrals to certified HUD counselors for
> buyers who are not yet mortgage ready. Contact: 727-534-3445 or pam@closewithpam.com.

## Services

- [Our Specialties](https://www.closewithpam.com/my-specialties/): Down payment assistance, credit help, student loan repayment plans and default resolution, and HUD counselor referrals.
- [Down Payment Assistance Options](https://www.closewithpam.com/down-payment-assistance/): Down payment assistance programs available to Florida buyers, and how to qualify for them.
- [Florida Hometown Heroes Loan Program](https://www.closewithpam.com/florida-hometown-heroes/): The Florida Hometown Heroes program for eligible frontline workers and public servants.
- [Residential Mortgage Types](https://www.closewithpam.com/mortgage-options/): FHA, VA, Conventional, USDA and HELOC/second mortgages for Florida residential properties.
- [Get Mortgage Ready](https://www.closewithpam.com/mortgage-ready/): What to do when you are not loan-ready yet, and how to build a plan to get there.
- [Mortgage Calculator](https://www.closewithpam.com/mortgage-calculator/): Payment calculator using the current Freddie Mac PMMS 30-year average.

## Guides and Resources

- [Home Buyer's Guide](https://www.closewithpam.com/buyers-guide/): Step-by-step guide to buying a home in Florida.
- [Buyer's Guide to the Loan Process](https://www.closewithpam.com/Buyer-Guide/): Walk-through of the loan process from application to closing.
- [Blog](https://www.closewithpam.com/blog/): Articles on down payment assistance, credit, student loans and mortgage policy.
- [Partner With Us](https://www.closewithpam.com/real-estate-agent-partners/): Partnership information for real estate agents working with buyers who need pre-mortgage help.

## About and Contact

- [About](https://www.closewithpam.com/about-us/): Pam Marron, NMLS# 246438, licensed Florida mortgage loan originator since 1985.
- [Contact](https://www.closewithpam.com/contact/): Phone, email and contact form. Office in Lutz, Florida.

## Optional

- [Privacy Policy](https://www.closewithpam.com/privacy/)
- [Terms of Use](https://www.closewithpam.com/terms/)
- [Legal Disclaimer](https://www.closewithpam.com/disclaimer/)
- [Accessibility Statement](https://www.closewithpam.com/accessibility/)
- [Sitemap](https://www.closewithpam.com/sitemap.xml)