Terms of Use
Effective date: July 14, 2026
Welcome to closewithpam.com (the “Site”), operated in connection with the mortgage origination services of Pam Marron (NMLS# 246438), originating loans through Innovative Mortgage Services, Inc. (NMLS# 250769). By accessing or using the Site, you agree to these Terms of Use. If you do not agree, please do not use the Site.
1. Informational Purposes Only
The content on this Site is provided for general informational and educational purposes. Nothing on this Site is an offer to lend, a loan approval, a rate quote, a rate lock, or a commitment to extend credit. Loan programs are subject to borrower qualification, credit approval, property eligibility, and program availability, all of which change without notice. Information on this Site is not financial, legal, or tax advice; consult qualified professionals about your specific situation.
2. Calculators and Estimates
Calculators and rate displays on this Site produce estimates for educational purposes only. They rely on the figures you enter and on published market indexes (such as the Freddie Mac Primary Mortgage Market Survey) that do not reflect any specific offer available to you. Your actual rate, payment, and costs will depend on your credit profile, the property, the loan program, and market conditions at the time of any application.
3. Permitted Use
You may use the Site for lawful, personal, non-commercial purposes. You agree not to misuse the Site, including by attempting to interfere with its operation, scraping or harvesting data, submitting false or misleading information through forms, or using the Site in violation of any applicable law.
4. Intellectual Property
The Site and its content, including text, design, graphics, and logos, are owned by or licensed to the Site operator and are protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from Site content without prior written permission, except for personal, non-commercial viewing.
5. Third-Party Links and Services
The Site links to third-party services, including a secure loan application platform, the NMLS Consumer Access website, and government resources. Those services are governed by their own terms and privacy policies. We are not responsible for the content or practices of third-party sites.
6. No Warranties
The Site is provided “as is” and “as available.” While we work to keep information current and accurate, we make no warranties, express or implied, about the completeness, accuracy, reliability, or availability of the Site or its content, and we disclaim all implied warranties to the fullest extent permitted by law.
7. Limitation of Liability
To the fullest extent permitted by law, Pam Marron and Innovative Mortgage Services, Inc. will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of (or inability to use) the Site or reliance on its content.
8. Communications
Submitting a form on the Site does not create a client relationship, initiate a loan application, or guarantee any outcome. Consent provided through Site forms is governed by the terms presented at the point of submission and by the privacy notice on our Legal Disclaimer page.
9. Governing Law
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any dispute arising under these Terms shall be brought in the state or federal courts located in Florida.
10. Changes to These Terms
We may revise these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
How to Contact Us
Pam Marron, NMLS# 246438
Innovative Mortgage Services, Inc., NMLS# 250769
17717 Hunting Bow Circle, Ste. 101, Lutz, FL 33558
Phone: 727-534-3445
Email: pam@closewithpam.com
This website is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in New York will be accepted through this site.