From the lighthouse to the palm trees, one lender who knows both coasts.
I'm Travis Penny. I close loans for Mainers, Floridians, and the folks moving between them. Plus DSCR loans for investors in 40+ states. Real expertise, no banker speak.
Since 2004
In the business
1,000+
Families helped
5.0 stars
Verified reviews
40+ states
DSCR coverage
Three lanes, one lender
Pick the path that fits your deal.
Most lenders pretend they do everything. I focus on what I'm actually great at.
Maine Home Loans
FHA, VA, USDA, conventional, and self employed buyers across the state. Born and lending 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
No tax returns. No W2s. Just the property cash flow. DSCR loans for investors in 40+ states.
Signature Niche
Selling in Maine, buying in Florida? That's my home turf.
I've helped hundreds of families pull off the Maine to Florida move. Bridge financing, timing the sale, getting approved before the snow flies, I've seen it all and built the playbook that makes it boring (in a good way).
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
The Way I Work
A mortgage, without the runaround.
We talk first
A real conversation, not a form-fest. I want to understand the deal before I quote anything.
I map the strategy
Best loan program, best lender for your file, and what to do (and not do) before closing.
We close clean
I stay in the deal from application to keys. You text me, you get me. Not a call center.
What people say
Real reviews from real closings.
"Travis closed our refi when two other brokers told us we couldn't do it. Total pro and a normal human, which is rare in this business."
Sarah & Mike
Portland, ME
"We sold our place in Bangor and bought in Naples in the same month. Travis ran the whole show. Texts back fast, no surprises."
The Reardons
Bangor → Naples
"I do BRRRR deals across three states. DSCR with Travis is the easiest part of my month. He just gets it."
Jay K.
Real estate investor
@homeloanGOAT
Mortgage tips, market takes, and the occasional goat meme.
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About Travis
Started in 2004. Still here. Two states, no fluff.
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 has been home base since I started in 2004. Florida came on as I started helping clients move south.
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.
How long does a typical closing take?+
Most purchases close in 21 to 30 days from accepted offer. Refinances vary. I push for clean, on time closings and keep you in the loop 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.
Let's talk through your deal.
Call me directly or start your application online. One broker, no call centers.
Call me now
Talk to Travis directly
You're not getting passed around. One broker, one number, real answers.
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