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!

Contact Me Today! Apply Now!

Explore Your Loan Options

Learn More

Estimate Your Mortgage Payment

Get Started

What's Your Home Worth Today?

Find Out Now

Real Customer Experiences

Read Reviews

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

Rate3.08%
1W Change 0.83%
APR3.754%
1W Change 0.82%
Last Updated: 10/31/2020

Conventional Loan Purchase - 30 Year Fixed

Rate2.91%
1W Change 0.15%
APR2.966%
1W Change 0.15%
Last Updated: 10/31/2020

VA Loan Purchase - 30 Year Fixed

Rate2.50%
1W Change 0.19%
APR2.739%
1W Change 0.27%
Last Updated: 10/31/2020

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

Rate2.97%
1W Change 0.05%
APR3.708%
1W Change 0.04%
Last Updated: 10/31/2020

Conventional Loan Refinance - 30 Year Fixed

Rate2.88%
1W Change 0.01%
APR2.938%
1W Change 0.01%
Last Updated: 10/31/2020

VA Loan Refinance - 30 Year Fixed

Rate2.40%
1W Change 0.03%
APR2.721%
1W Change 0.04%
Last Updated: 10/31/2020

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

Is It Time To Refi? Florida October 28, 2020

Is It Time To Refi?

A new study shows that forty-three percent of 30-year mortgage holders are eligible for a refinance that would lower their mortgage rates. That means their credit rating is at least 720, they have at least 20% equity in their homes, and they can reduce their mortgage rate by at least 0.75% through refinancing, according to…

Read More
Existing Home or New Construction? Florida October 20, 2020

Existing Home or New Construction?

Finding the perfect Florida home to purchase is one of the biggest challenges for potential buyers. With so few homes for sale and construction of newly built homes ramping up, you may be wondering if you should consider new construction in your search process. It’s a great question to ask, and one to look at…

Read More
Why Getting Pre-Approved Is So Important Florida October 13, 2020

Why Getting Pre-Approved Is So Important

Getting a pre-approval from a mortgage lender in Florida is a great first step in the homebuying process. When looking for a home, the temptation to fall in love with a house that’s outside your budget is very real. So, before you start shopping around, it’s helpful to know your price range, what you’re comfortable…

Read More
X

Get in Touch

Contact Pam Marron

Pam Marron

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

Send an Email

X Pam Marron

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

0%

I agree to the following terms & conditions

I hereby certify that the information given in my submission is complete and correct and is given for the purpose of potentially obtaining a mortgage loan and/or financial services applied for.

Pam Marron Home Loans