A close with pam and tara logo with a roof

Pam Marron NMLS# 246438

Tara Jerse NMLS# 2105127

Down Payment Assistance - Get Started
A close up of a pixel art drawing of a bird on a white background.

Mortgage Services for Homebuyers

First Time, Families, Singles, Self-employed, Retiree, and everything in-between

An aerial view of a city with a bridge over a river.

Residential Mortgages

You want to think about 3 bedrooms, 4 bedrooms, square footage, and outdoor space.

You don't want to think about W2s, Credit Checks, and Tax Returns.

Let me help you get pre-approved for a mortgage upfront! I will pull your credit, look at your job history, and see what assets you have. I will give you a straightforward answer on what you qualify for and the best mortgage product available for you!

And if you can't qualify to purchase right now, I will recommend HUD approved housing and credit counseling services that can help you with credit, student loans, down payment, and budgeting.

In other words, if you can't purchase today, I will put you on a path to purchase as soon as possible!

If there is a charge for any of the services you choose, I will provide a credit back to you at your mortgage closing for some or all of the services needed to get you Mortgage Ready.
≫ Learn More

List of Services

About Close With Pam & Tara

Home Loan and Mortgage Services

Resources at Clients2Homeowners.com to get challenged clients "Mortgage Ready"!

Watch Video

Mortgage Services for Homeowners

Families, Singles,  Self-employed, Retiree, and everything in-between

Get Mortgage Ready with Pam & Tara

Overcome common mortgage roadblocks and get Mortgage Ready!

Services are available directly to prospective homebuyers, real estate agents, and loan originators. Learn more about the four most common Mortgage Ready roadblocks.

Learn More
A black and white drawing of a circle on a white background.

Down Payment Assistance

If you want to buy a home but don't have much in savings, down payment assistance can help!

There is specific criteria to qualify for these loans and you may be required to cover some out of pocket costs. But being able to cover down payment and closing costs yourself can make your home offer competitive with cash buyers and home flippers!
≫ Learn More
A black and white silhouette of a pair of scissors on a white background.

Budgeting

This seems like an area that most prospective homebuyers should already know about, but budgeting for a home, budgeting for home expenses, and budgeting for life can be a lonely task.

Budgeting help is especially valuable to millennials who don't often have this form of education provided in school.
≫ Learn More
A black and white icon of an escalator on a white background.

Help With Credit

Dealing with credit issues that require attention to detail to get fixed as well as help interacting with creditors is a primary issue that faces pre-purchase clients stalled from purchasing a home.

Learn more about person-to-person resources that can help. Get your credit fixed and get into your new home! (NO, this IS NOT credit repair!)
≫ Learn More
A black and white icon of a house with two arrows pointing up.

Student Loan Relief

Student loan debt relief is a growing need.

Often, clients with student loans learn that the loan payment is counted on a mortgage even if it is deferred. And each mortgage type has different criteria when qualifying. I provide these differences for you. Learn how you can get a refinance for student loans whether payments are current or in default.
≫ Learn More

Residential Mortgage Calculator

Know your principal and interest payment upfront.

  • Add monthly taxes, insurance and HOA to estimate  whole payment!
  • PMI payment is needed if less than 20% down!
Loan Amount
$
Annual Interest Rate
%
Loan Terms
yrs
Repayment frequency
$ per
Year Fixed. % Annual Interest Rate.
Estimated Payment
Total Repayment
Total Interest
Principal & Interest
Interest Only

Disclaimer: While every effort has been made to ensure the accuracy of this calculator, the results should be used as an indication only. This is neither a quote nor a pre-qualification for a home loan.

Start Pre-qualification Application

Close With Pam & Tara Updates and News!

Find out what is happening in the mortgage industry.

By Pam Marron February 14, 2023
Accessory Dwelling Units (ADUs) are small, separate living spaces that are built on the same property as a single-family home. They have gained popularity in recent years as a way to provide additional housing options in urban areas. In this article, we will examine how ADUs can benefit cities, including through increased revenues, multigenerational living, vacation and rental opportunities, and increased security. ADUs Increase Revenues For Cities One significant advantage of ADUs for cities is the potential for increased revenues. Because ADUs are separate living spaces, they can be rented out to generate additional income for the property owner. This can be especially appealing for homeowners who may be struggling to afford the mortgage on their primary residence. By allowing ADUs, cities can tap into this potential new source of income and potentially increase their own revenues through property and other taxes. ADUs Encourage Multigenerational Living ADUs can also provide a space for extended families to live together, encouraging multigenerational homes. This can be especially beneficial for families with aging parents or adult children who may not be able to afford a separate residence. By allowing ADUs, cities can support families in staying together and provide a more affordable housing option. ADUs Add Vacation And Rental Units In addition to providing additional living space for extended families, ADUs can also be used as vacation or rental units. This can be a great opportunity for homeowners to generate additional income by renting out their ADU to travelers. For cities, this can provide a new source of tourism revenue and can help to support local businesses. Increased Security Of ADUs Another potential benefit of ADUs is increased security. Because ADUs are often occupied by family or friends of the property owner, they can provide an additional layer of security for the neighborhood. This can be especially appealing for homeowners who are concerned about their safety or the safety of their property. Common Misconceptions About ADUs Despite the many potential benefits of ADUs, there are still some common misconceptions about them. Some people may believe that ADUs are inhabited by unwanted residents or run by slumlords, but this is not necessarily the case. In most instances, the owner of the property lives next to the ADU and takes care of its maintenance. Additionally, most ADUs are occupied by people who are known to the landlord. How Fannie Mae And Freddie Mac Support ADU’s Fannie Mae and Freddie Mac support ADU (Accessory Dwelling Unit) financing by offering unique mortgage products. Freddie Mac even offers their existing CHOICERenovation mortgage that allows an option to use a no cash-out refinance mortgage to pay off short term financing used to add on an ADU. This can help borrowers who are looking to refinance their cost of construction of an ADU paid upfront. What City Planners And Developers Can Do To Learn More About ADUs ADUs can provide many benefits to cities, including increased revenues, multigenerational living options, vacation and rental opportunities, and increased security. While there may be some misconceptions about ADUs, the reality is that they can be a valuable addition to communities and should be considered as a viable housing option. If you are a city planner or developer interested in learning about unique financing for ADU’s that can benefit your city, contact Pam and her team at 727-534-3445 or visit their website at https://www.closewithpamandtara.com/ for more information.
By Pam Marron January 27, 2023
Mortgage Loan Originators, Realtors and HUD Housing Counselors Who Need to Find and Promote Down Payment Assistance (DPA) to Clients Need this Tool! Downpaymentresource.com is a free public-facing website that offers prospective home buyers the ability to find down payment assistance programs they may qualify for. But did you know that there is a back-end tool called Down Payment Connect that mortgage loan originators (MLO), Realtors and HUD housing counseling agencies (HCA) can use to find nearly all down payment assistance (DPA) programs in the United States? There is a monthly fee for this tool, but having this comprehensive, up-to-date information about each DPA program in the same place with filters now available to drill down precisely for client and property criteria has just made getting DPA easier for prospective buyers! MLOs often share a reluctance to dive into DPA products citing bad experiences they’ve had in the past. Others feel matching the 1st mortgage criteria with the DPA criteria is too cumbersome. But the growing need for down payment assistance has moved to the top of the list of what clients need to purchase a home. Let’s get right into how this invaluable tool can help! MLO Promoted as DPA Originator Mortgage loan originators (and Realtors) that sign up as a subscriber receive a landing page through Down Payment Connect that can be linked to your personal website. On this landing page, a subscriber MLO can select the DPA programs they can originate and only those programs show up to potential clients. Marketing resources including social media, live and recorded webinars, articles about DPA to post, videos and even reporting that shows how many visitors have visited your landing page are all provided. Highlights In DPA Directory The most important tool in Down Payment Connect (to me) is within the DPA Directory located on one of the eight buttons subscribers see once logged in. This button opens to your selected DPR (state) Program Directory (shown below) that houses hundreds of DPA programs and provides a consistent overview of each program page in the same order.
By By Pamela Marron, Mortgage Loan Originator, NMLS #246438 December 9, 2022
Focusing on Specific Client Needs, What Tools Can Be Used to Assist, and How to Bundle Targeted Services to Reduce Costs A Pilot program called Home Prep that connects mortgage loan originators (MLO) to HUD housing and credit counselors who can get clients past final hurdles to become “mortgage ready” has been finetuning details on the areas where prospective mortgagors need the most help. Presently, the area of most need is for short and long-term credit help, though down payment assistance is a very close second place. It has been found that MLO’s and HUD counselors often work with the same resources but utilize these resources differently. Discussion and awareness of WHY, WHAT, and WHEN to use specific resources has become a learning curve for both sides and has also provided surprises like bundled, targeted services that can save MLO’s and HUD counselors money as they get clients “mortgage ready”. Series articles will focus on known issues, available tools that mortgage professionals and HUD housing and credit counselors can use with clients, along with guidelines and visuals to implement. 1st Series Article: Getting a Client “Mortgage Ready” by Working on the Best Possible CREDIT Before Starting Anything Else Is the 1st Step. Everything BETTER for a mortgage starts with the BEST, MOST ACCURATE CREDIT possible. The BEST CREDIT leads to better interest rates, the lowest down payment required, access to best and most down payment programs that client may be eligible for, and automated underwriting approval when required. Credit Issue: Deleting Disputes Dealing with disputes is a common issue that can show up in Fannie Mae and Freddie Mac automated underwriting system (AUS) findings. Credit repair companies often dispute accounts to improve credit scores. Sometimes those same disputes must be removed from the credit report to receive a Fannie Mae and Freddie Mac automated underwriting system (AUS) approval. Why? Because disputes hide credit. When the dispute is removed, negative credit may return. 1. What Dispute notification in Fannie Mae Desktop Originator/Underwriter Findings looks like
By By Pamela Marron, Mortgage Loan Originator, NMLS #246438 November 23, 2022
Credit repair companies often dispute accounts to improve credit scores. Sometimes those same disputes must be removed from the credit report to receive a Fannie Mae and Freddie Mac automated underwriting system (AUS) approval. Why? Because disputes hide credit. When the dispute is removed, negative credit may return. Check with CreditXpert and use their What-If Simulator tool to see if the removal of a Dispute will affect credit scores . First, what Dispute notification in Fannie Mae Desktop Findings looks like.
By By Pamela Marron, Mortgage Loan Originator, NMLS #246438 November 16, 2022
When inaccurate credit exists on a credit report for mortgage delinquency, bankruptcy, foreclosure, short sale and extenuating circumstances, there are five entries that can be used in the Fannie Mae Desktop automated underwriting system (AUS). 
By By Pamela Marron, Mortgage Loan Originator, NMLS #246438 October 19, 2022
Loan Originators Should Consider Targeting Specific Mortgage Products That Are Still Being Sought By Prospective Homebuyers. The NEED is There. Mortgage headlines are now projecting two more years of a downturn in the housing market, but this is the time loan originators need to laser focus on a client NEED market and learn about recent mortgage products that are gaining traction. 
Show More

Start the Process

A pixel art of a bird flying in the air on a white background.

Finding the right mortgage is all about OPTIONS. Tell us a little more about what you want, so we can give you OPTIONS.

Mortgage Application Lead

Share by: