Thank you for your question,
with feeling of irregular pulse, most likely cause of irregular pulse is atrial fibrillation
Heart murmur can be due to regurgitation or stenosis of the heart valves which can lead to enlarge size of the atrial chambers and this results in irregular beating of these chambers.
There are high chances of clot formation in these enlarged chambers and can lead to stroke
It is highly recommended to get it evaluated from a university hospital as you do not have insurance. Test like ECG and echocardiogram
are needed to diagnose this problem.
I hope this helps.
Let me know if you have more questions.