Compliance

Licensing and Disclosures

This page brings the required mortgage disclosures into one place. If you have a licensing question that is not answered here, call or text 207.615.7770 and Travis will walk you through it.

Loan originator

Travis Penny, Mortgage Broker. NMLS #1649161. Verify on NMLS Consumer Access. In business since 2004.

Areas served

Travis originates loans on Maine real property. Borrowers can live anywhere in the United States. Every loan closed through this site is secured by a Maine property.

Equal Housing Opportunity

We do business in accordance with the Fair Housing Act. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, or any other class protected by federal, state, or local law.

Not a commitment to lend

Not a commitment to lend. Rates and terms are subject to change without notice and subject to credit approval. This is not an offer to enter into a rate lock agreement.

Market data disclaimer

Market averages shown are sourced from the named indices and updated on their published schedule. These are market averages, not an offer or commitment to lend, and not a rate available to you. Your actual rate and payment depend on your credit score, down payment, qualifying income, loan type, loan amount, property type and occupancy, loan-to-value, points, and market conditions at lock. Rates change daily and are subject to change without notice. Figures are estimates for illustration only and do not constitute loan approval, a rate lock, or a guarantee. Travis Penny | NMLS #1649161 | Equal Housing Opportunity | nmlsconsumeraccess.org

Broker relationship

Travis Penny is a mortgage broker. That means he arranges loans through wholesale lender partners. He is not a bank and does not fund loans directly. Compensation is disclosed in writing before you commit to any loan. Broker compensation is either lender paid or borrower paid, never both on the same file.

Third party costs

A mortgage transaction includes third party costs such as the credit report, appraisal, title insurance, settlement fees, and government recording charges. These costs are set by the third parties who provide the services and are itemized on the Loan Estimate and Closing Disclosure you receive during the process.

Complaints

If you have a complaint about a Maine licensed mortgage professional, you can contact the Maine Bureau of Consumer Credit Protection. Their consumer information is publicly available at maine.gov. You are welcome to call 207.615.7770 first so we can address the issue directly.

Verify us before you share sensitive information

Anytime you work with a mortgage professional, verify their NMLS ID before you share documents. Cross check our license number (1649161) at NMLS Consumer Access. Confirm the phone number, 207.615.7770. If anything looks off, call us to confirm.