Contact Pam Marron for your residential mortgage needs!

As a loan originator who has worked in the residential mortgage industry for over 34 years, I choose to work as an independent mortgage broker so that I am able to obtain the best mortgage products and interest rates available for my clients…not just products that a company may offer. And, I specialize in helping clients to prepare for the best mortgage ahead of a purchase or refinance. Contact me… whether you are a consumer who needs a mortgage, or a realtor or mortgage loan originator that needs assistance with a client… to get “mortgage ready” ahead of a purchase or refinance!

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My Specialties…

Florida home mortgage

I specialize in assisting clients who have been unable to refinance 1st and 2nd mortgages due to high loan to values. Contact me to find out if we can restructure your loan(s) into the best mortgage(s) available!

Florida home mortgage

Whether you are a client who needs assistance or a realtor or loan originator who needs help to get your client “mortgage ready”, contact me!

Current

Florida

Mortgage Rates

FHA Loan Purchase - 30 Year Fixed

Rate1.75%
1W Change 0.00%
APR2.459%
1W Change 0.00%
Last Updated: 01/26/2021

Conventional Loan Purchase - 30 Year Fixed

Rate2.81%
1W Change 0.03%
APR2.866%
1W Change 0.03%
Last Updated: 01/26/2021

VA Loan Purchase - 30 Year Fixed

Rate2.29%
1W Change 0.04%
APR2.579%
1W Change 0.01%
Last Updated: 01/26/2021

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Pam Marron to receive a personalized rate for your specific situation.

Current

Florida

Refinance Rates

FHA Loan Refinance - 30 Year Fixed

Rate2.25%
1W Change 0.10%
APR2.928%
1W Change 0.09%
Last Updated: 01/26/2021

Conventional Loan Refinance - 30 Year Fixed

Rate2.76%
1W Change 0.02%
APR2.815%
1W Change 0.02%
Last Updated: 01/26/2021

VA Loan Refinance - 30 Year Fixed

Rate2.17%
1W Change 0.05%
APR2.452%
1W Change 0.04%
Last Updated: 01/26/2021

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Pam Marron to receive a personalized rate for your specific situation.

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

1%

4.5%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Instant Home Valuation

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Renting Vs. Buying in Florida

With today’s low mortgage rates, there’s great opportunity for current Florida renters to make a move into homeownership that stretches each dollar a little bit further. While the best timeline to buy a home is different for everyone, the question remains: Should I continue renting or is it time for me to buy? The answer…

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Easy Ways To Upgrade Your Florida Home’s Curb Appeal

A tidy, tasteful home will catch any buyer's eye. That's why many people put effort into fixing up—and even staging—the interior of their home before putting it on the market and hosting open houses. But did you know that an unkempt exterior could deter potential buyers from even setting foot in the door? That's right.…

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Explaining Some Common Mortgage Programs Florida January 9, 2021

Explaining Some Common Mortgage Programs

When you get a mortgage in Florida, there are several options you can choose from, including FHA, VA, and USDA mortgages. The one you select will determine how big a down payment you’ll need, what credit score you should have and all the other requirements you’ll need to meet. But choosing the right mortgage product…

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Contact Pam Marron

Pam Marron

17717 Hunting Bow Circle, Ste. 101
Lutz, Florida 33558
(727) 375-8986
NMLS# 246438

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If you have any immediate questions or concerns don't hesitate to give us a call @ (727) 375-8986

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Pam Marron Home Loans