About
Travis Penny. Mortgage broker. Since 2004.
The problem most buyers face is not the mortgage. It is the guessing game before the mortgage. What can I actually afford in Scarborough? What does a move from Boston to Portland do to my monthly? Can I even get a Maine loan with a New Hampshire paycheck? Most brokers answer those questions with an application form. Travis built the 207 Number so you get a real answer first, then decide if the application is worth doing.
The short arc
Travis has been arranging home loans since 2004. That is twenty-two years of watching rates move, guidelines change, programs come and go, and buyers try to plan around all of it. Every one of those years is a year of learning what actually closes.
He operates a two-coast practice: a Portland, Maine office and a home base in Apollo Beach, Florida. Maine is the licensed origination market for the loans marketed on this site; every mortgage originated through 207.mortgage is secured by Maine real property. The broker brand for the wider practice is Home Loan GOAT at travis.mortgage.
Why 207? It is Maine’s only area code and it is his cell. The number on the site is the number that rings his phone. There is no receptionist, no call center, no round-robin routing. Call or text 207.615.7770. Travis answers.
The standard
A broker’s job is to shop the market so you do not have to. That means running your file against many lending sources, quoting the two or three that will win it side by side, and telling you the trade-offs in real dollars. It also means telling you when the answer is “wait,” or “improve your credit first,” or “try a different program.” None of that pays a commission today. All of it matters for the file that eventually closes.
The tools on this site (the 207 Number, the 207 Move Number, the 207 Cash Flow Number) exist because most of what a buyer needs to decide happens before an application. They compute real answers from real data. There is no credit pull. There is no application. If the answer surprises you, call and talk through it. If the answer looks right, keep going.
What Travis actually does
- Runs your income, debts, and down payment against many lending sources on the same day you send documents.
- Quotes two or three winning structures side by side. You see the rate, the payment, the closing cost, the mortgage insurance if any, the prepayment penalty if any.
- Issues a fully underwritten pre-approval when the market calls for it, so your offer holds up against cash and conventional bids.
- Coordinates the closing timeline with your Maine agent and the title company. Remote closings by mobile notary for out-of-state buyers are common.
- Answers his own phone. Every time. If he cannot pick up, he calls back the same day.
The verified facts
- Name: Travis Penny
- Role: Mortgage broker (not a lender; arranges loans through third-party lending sources)
- NMLS ID: #1649161 (verify on NMLS Consumer Access)
- In business: since 2004
- Cell (call or text): 207.615.7770
- Email: travis@travis.mortgage
- Practice geography: Portland, Maine office; Apollo Beach, Florida home base
- Site scope: Every loan marketed on 207.mortgage closes on Maine real property; borrowers can live anywhere in the US
- Parent brand: Home Loan GOAT (travis.mortgage)
The promise is simple.
Call or text 207.615.7770. Travis answers.