Pam Marron & Jacob Reppart
Now originating loans in Florida and Tennessee!
Pam Marron, Licensed Loan Originator, NMLS# 246438
Jacob Reppart, Licensed Loan Originator, NMLS# 1800805
Innovative Mortgage Services, Inc., NMLS# 250769
Let's Find Your Perfect Home Loan!
First things first — what kind of home are you dreaming about?
What's the Game Plan?
How will you be using this property?
When Are You Looking to Move In?
No pressure — whether it's next month or next year, we'll get you ready!
Is This Your First Home Purchase?
First-timers get access to amazing programs — and we love helping you through it!
How's Your Credit Looking?
Don't worry — whatever your score, we have options. No judgment here!
What's on Your Mind the Most?
Pick what matters most — we specialize in all of these!
Great News — We Can Help!
Here's what you've told us:
Almost There! How Can We Reach You?
We will personally review your info and reach out with your options.
Why Choose Pam & Jacob
Personalized Mortgage Solutions for Every Situation
With 41+ years as residential loan originators, we offer Conventional, FHA, VA, USDA, HELOC, and portfolio loan options. What sets us apart is our focus on personalized solutions that help clients become homeowners.
Whether you need down payment assistance, help with student loan repayment options or default resolution, or guidance on improving credit scores, we use proven tools to help you move forward with confidence.
If you need extra help getting ready for a mortgage, we can connect you with a certified HUD counselor who we stay in touch with while they help you get mortgage ready.
In Addition to Mortgages
Our Specialties
We help clients overcome the most common barriers to homeownership.
Down Payment Assistance
DPA is our #1 specialty. We match homebuyers with programs to reduce upfront costs, including options with no income limits or first-time home buyer restrictions. Learn about Down Payment Assistance Options, then visit our Down Payment Connect Landing Page to find all DPA programs you are eligible for!
Student Loan Repayment Plans & Default Resolution
Federal student loan payments do not report as late until 90+ days and can cause credit scores to plummet 100–150 points and can take 9 to 15 months for scores to recover. We recommend Student Debt Solutions as a source for you to find out for FREE about repayment plans that may be lower than your current plan and if you are in default, options to get you back on track.
Credit Help
Using CreditXpert, FICO Score Mortgage Simulator, and Meridian Link, we can pinpoint what needs improvement. If the work is out of our scope, we will refer you to a certified HUD Counselor who can work with you on an Action Plan for credit, budgeting and more.
HUD Counselor Referral
If you need guidance in several areas, we can connect you with a HUD-certified counselor who can provide one-on-one support with budgeting, credit, student loan help, and DPA. When you are ready for a mortgage, we are notified and give you a credit towards your mortgage closing costs!
41+
Years Experience
6
Loan Types Offered
100%
Personalized Service
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