Mortgage broker for Maine and Florida, from the lighthouse to the palm trees.
Reviewed by Travis Penny, NMLS 1649161 · Last reviewed September 29, 2026
I'm Travis Penny, a mortgage broker with Vision Mortgage in Portland, Maine (NMLS 1649161). I help clients buy and refinance homes in Maine and Florida, and I arrange DSCR loans on rental properties in the 38 states on my Licensing page.
NMLS #16491615.0 stars from 13 Google reviewsListed first on Mortgage Matchup for Maine and Portland, ME(Oct 2026)
12.4 business day average to clear to close
My average from loan submission to clear to close is 12.4 business days. That's an average, not a promise. Your timeline depends on your file, the appraisal and title, but when you need speed, I can move fast.
Average of my loans from submission to clear to close. Not a guarantee; individual timelines vary. Clear to close means underwriting is done. Closing is scheduled after that.
Text me at (207) 615-7770
Maine and Florida
Licensed states
Maine and Florida
buyers, sellers, and investors
5.0 stars from 13 Google reviews
on Google reviews from Travis's verified profile
Licensed states
DSCR coverage
Five star rating as of September 2026. Verify directly on Google and Experience.com.
Recent closing: Maine Non-QM second home, clear to close in about 20 business days. Not a guarantee; every file differs.
Three lanes, one broker
Pick the path that fits your deal.
I focus on the work I know best rather than trying to do everything.
Maine Home Loans
FHA, VA, USDA, conventional, and self employed buyers across the state. Born and based in Maine.
Florida Home Loans
Whether you're already in Florida or finally making the move, I close loans the way Florida actually moves.
DSCR Investor Loans
DSCR loans for investors in the states listed on my Licensing page use the property's cash flow, with no tax returns or W2s.
Signature Niche
Selling in Maine, buying in Florida? That's my home turf.
I help families move from Maine to Florida. Bridge financing, timing the sale, getting prequalified before the snow flies. I have worked out a plan to make the move straightforward.
What I help you sort out
- Timing the Maine sale and Florida purchase so you don't carry two mortgages
- Bridge loans when the dates don't line up perfectly
- Florida quirks like flood zones, HOA budgets, and condo financing
- Out of state closings without flying back and forth
- Realtor referrals on both ends if you need them
Working with a Realtor partner on both ends? See Maine to Florida relocation with the Maine Florida Collective. We put a Mainer on the ground in Southern Maine and a Mainer on the ground in Tampa Bay alongside the mortgage.
The Way I Work
A mortgage, without the runaround.
We talk first
I start with a conversation rather than a pile of forms. I want to understand the deal before I quote anything.
I map the strategy
Best loan program, best fit for your file, and what to do (and not do) before closing.
We close clean
I stay with your file from application to keys, and you reach me directly rather than a call center.
@homeloanGOAT
Mortgage tips, market takes, and the occasional goat meme.
Maine and Florida housing, DSCR loans, and the real side of a mortgage broker's day.
About Travis
Who is Travis Penny, and where do you lend?
I got into the mortgage business in 2004, took a detour to live a little, then came back to what I'm actually good at. I've closed loans through every kind of market, for first time buyers, retirees moving south, real estate investors, and everyone in between. I treat your file like it's my own, because that's how I'd want to be treated.
FAQ
Quick answers to the questions I get most.
Are you a broker or a bank?+
Broker. That means I shop your file across multiple lenders to find the right fit, instead of forcing you into one product menu like a bank does.
Do you really close loans in both Maine and Florida?+
Yes. I'm fully licensed in both states. Maine is home base, and I help clients moving to Florida. Started in 2004 and I'm still here.
What's a DSCR loan and do I qualify?+
DSCR (Debt Service Coverage Ratio) loans qualify investors based on the rental income of the property, not personal tax returns. Great for real estate investors who own through LLCs or have complex tax pictures. We'll talk through your specific situation on a call. DSCR loans are for investment and rental properties only. Primary and second homes are available in Maine and Florida.
How long does a typical closing take?+
It depends on the loan, the property and how quickly the documents come together. On our first call I give you a realistic timeline for your file, and I keep you and your agent updated the whole way.
What credit score do I need?+
It depends on the loan program. Government loans (FHA, VA, USDA) are flexible. Conventional and DSCR have their own minimums. Don't self disqualify before we talk.
Nothing on this page is a commitment to lend or an offer of credit. All loans are subject to credit and underwriting approval. Equal Housing Opportunity.
Get started
Let's talk through your deal.
Call me directly or start your application online. I handle your file myself, without a call center.
Call me now
Talk to Travis directly
You reach me at the same number, and I answer your questions without passing you around. Text me anytime.
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