Marcus Lefebvre
Five star rating, no written review.
Brunswick, Maine
Brunswick mortgage broker for buyers who want a real human.
Travis Penny, a mortgage broker with Vision Mortgage in Portland (NMLS 1649161), helps clients buy and refinance homes in Brunswick, Maine. I compare FHA, VA, USDA, conventional, jumbo and self employed options for your file and tell you plainly which one fits.
Reviewed by Travis Penny, NMLS 1649161
Last reviewed September 29, 2026
Brunswick is the Midcoast anchor: Bowdoin College, Bath Iron Works and L.L. Bean nearby, and Brunswick Landing turning the old Navy base into jobs and housing. The city has gone through a revaluation that changed how assessments compare to tax bills, and buyers here need someone who understands why the rate and the bill do not always move together.
Travis Penny is a licensed mortgage broker (NMLS #1649161) with Vision Mortgage, LLC (NMLS #1286953), based at 352 Warren Avenue, Suite 6, Portland, Maine. He brokers FHA, VA, USDA, conventional, jumbo, and self employed home loans for buyers in Brunswick and Cumberland County, plus DSCR investor loans in the states listed on my Licensing page. Started in 2004 and I'm still here. Call or text (207) 615-7770.
Which mortgages can a broker arrange in Brunswick, Maine?
Travis Penny is a mortgage broker with Vision Mortgage based in Portland, Maine. In Brunswick, I arrange conventional, FHA, and VA one time close construction loans, bridge loans for buying before selling, DSCR loans for qualifying rentals, physician and nurse loans, and bank statement or 1099 mortgages. I review the property and your plans before recommending a program.
All loans are subject to credit and underwriting approval. Not all applicants will qualify. Program terms and availability can change. This page is for general education and is not a loan offer or a commitment to make a loan. Travis Penny, NMLS ID #1649161, is a mortgage broker with Vision Mortgage, LLC, NMLS #1286953. Equal Housing Opportunity.
Maine loans are what I do
Closing loans across Cumberland County and the rest of Maine. Real local underwriting know-how, no call centers.
Every major program
FHA, VA, USDA, conventional, jumbo, and self employed bank statement loans. Matched to your file, not the easiest one.
One person, start to finish
You talk to Travis from pre approval through closing. No handoffs to a processor in another time zone.
Brunswick and the Midcoast
Brunswick buyers also looking toward Bath, Damariscotta, or Camden can read the Midcoast mortgage guide for bridge, construction, second home, and rental property considerations.
Loans I arrange in Brunswick
One time close construction (conventional, FHA, VA). For a Brunswick build, check road access, permits, and any site utilities before conventional, FHA, or VA construction review.
Bridge loans for buying before selling. A Brunswick purchase ahead of another Midcoast sale calls for a plan for equity, inspections, and timing.
DSCR investor loans. Brunswick rentals need address specific income, occupancy, and insurance review, not a general Midcoast projection.
Physician and nurse loans. Brunswick healthcare buyers can compare physician and nurse programs with older home or condo property requirements.
Bank statement and 1099 loans. Brunswick business owners can discuss bank statement and 1099 documentation alongside the property's financing needs.
Neighborhoods and villages in Brunswick
- Brunswick Landing
- Bunganuc Landing
- Cooks Corner
- Dyer Corner
- Growstown
- Harding
- Merepoint
- Federal Street Historic District
- Pennellville
What to know about buying in Brunswick
- Brunswick Landing is the former Naval Air Station redeveloped by the Midcoast Regional Redevelopment Authority, home to Southern Maine Community College and a growing employer base.
- Principal employers include L.L. Bean, Bath Iron Works and Bowdoin College.
- Brunswick completed a townwide revaluation that reset assessments. A change in the rate alone does not tell you what a bill will be, so I confirm the current assessment with the town assessor on every file.
- USDA eligibility exists at many Brunswick addresses. I check each one on the USDA map.
- Federal Street and Pennellville have some of the town's oldest homes. Age alone is not a financing problem, but condition items like knob and tube wiring are, and I get ahead of those before the appraisal.
Official sources: Brunswick Assessing
Loan programs available in Brunswick
- FHA. 3.5% down with a score of 580 or higher, or 10% down with a score from 500 to 579, on an eligible primary home.
- VA. No down payment required for eligible service members, veterans, and qualifying surviving spouses with full entitlement, with no monthly mortgage insurance.
- USDA. No down payment required for eligible buyers on eligible rural and suburban addresses within household income limits.
- Conventional. 3% down for eligible first time buyers, typically 5% otherwise, 10% for second homes, and 15% to 25% for investment properties. Putting 20% down avoids PMI.
- Jumbo. for loan amounts above the county conforming limit.
- Self employed. bank statement and 1099 programs that don't punish you for tax write offs.
Other Maine city guides
How to start
The fastest first step is a five-minute scenario call. Bring your target purchase price, your down payment plan, and any credit concerns. I'll quote a realistic rate, payment, and cash-to-close range on the spot.
Cumberland County loan limits
For 2026 HUD sets the FHA one unit floor at $541,287 and FHFA sets the conforming one unit baseline at $832,750 (HUD Mortgagee Letter 2025-23, December 11, 2025; FHFA release, November 25, 2025). Cumberland and York counties carry a higher FHA limit than the floor because of the Portland area's prices. I confirm the exact county figure on your file before you shop.
Brunswick mortgage questions
What should I know about home prices in Brunswick, Maine?
Prices vary between the historic Federal Street and Pennellville areas, the redeveloped Brunswick Landing, and newer subdivisions further from downtown. The college and the old Navy base shape what is available in each part of town. I pull current sales for the exact street before you make an offer.
Why did Brunswick's tax rate change so much?
The town completed a revaluation, which reset assessed values and the tax rate together. A change in the rate on its own does not tell you what a bill will be. I use the current assessment when I run your payment.
Is Brunswick USDA eligible?
Many addresses are. USDA financing that doesn't require a down payment is a real option here for buyers under the income limit. I check the address first.
Can I buy in Brunswick Landing?
Yes. Homes and condos there finance like any other, with project review on the condos.
What about buying near Bowdoin as a rental?
Investment purchases use conventional or DSCR financing, not FHA. I place both.
How far is Brunswick from Portland?
About 30 minutes on I 295. The Amtrak Downeaster ends in Brunswick.
Are there older homes in Brunswick that cause financing issues?
Federal Street and Pennellville have homes from the 1800s. Age alone is not a problem. Condition items like knob and tube wiring or a failed water test are, and I get ahead of those before the appraisal.
What loan limit applies in Brunswick?
Cumberland County limits. FHA is above the national floor and conforming is $832,750 for 2026.
Quick checklist
- FHA
- VA
- USDA
- Conventional
- Jumbo
- Self employed
Keep exploring
This information is general education, not a loan offer or a commitment to lend. Down payment and credit requirements vary by client, property, and lender, and program guidelines change. For your own numbers, call or text me at (207) 615-7770 or email Travis@travis.mortgage.
What clients say
Read all reviewsLaPlace Sallis
Travis was great to work with. We were able to close in less than three weeks.
Steven Retalic
Travis by far is the best Mortgage Broker I have ever worked with. I am happy to refer Travis to friends and family.
Want a real human to walk you through this?
I'll lay out your options in plain English. No pressure, no scripts.