Marcus Lefebvre
Five star rating, no written review.
Windham, Maine
Windham 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 Windham, 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
Windham is Sebago Lake country twenty minutes from Portland, with year round homes, seasonal camps, and well and septic on most lots. Lake, well, septic and private roads are exactly the things that trip up out of area lenders, and they are routine for me.
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 Windham 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 Windham, Maine?
Travis Penny is a mortgage broker with Vision Mortgage based in Portland, Maine. In Windham, 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.
Loans I arrange in Windham
One time close construction (conventional, FHA, VA). For a Windham lot, confirm road access and any well or septic plans before conventional, FHA, or VA construction review.
Bridge loans for buying before selling. Buying near Windham's lakes before selling elsewhere requires a plan for both properties' carrying costs.
DSCR investor loans. A Windham rental near a lake needs property specific income, insurance, and local rental rule review.
Physician and nurse loans. Healthcare buyers commuting from Windham can compare physician and nurse options against the home's site and condition.
Bank statement and 1099 loans. Windham self employed buyers should have bank deposits or 1099 income reviewed before relying on a preapproval.
Neighborhoods and villages in Windham
- North Windham
- Windham Center
- South Windham
- Windham Hill
- Fosters Corner
- Newhall
- Scotland
What to know about buying in Windham
- Windham is one of several towns on Sebago Lake and roughly twenty minutes from Portland on Route 302.
- Most residential lots in Windham rely on private well and septic, so water tests and septic inspections are part of nearly every loan here.
- North Windham has relied on septic systems, and the town has worked on wastewater infrastructure to serve the commercial corridor. I check each property's water and septic setup individually.
- I confirm the current tax rate and assessment with the Town of Windham assessing office on every file.
- USDA eligibility exists at many Windham addresses. I check each one on the USDA map.
Official sources: Windham Assessor's Office
Loan programs available in Windham
- 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.
Windham mortgage questions
What should I know about home prices in Windham, Maine?
Prices vary depending on whether you are buying a year round home, a lake camp, or a property in the North Windham commercial corridor. Lake frontage and access carry their own premium. I pull current sales for the exact street before you make an offer.
Are Windham homes on wells and septic?
Most are. FHA, VA and USDA each have water test and septic rules and conventional lenders have their own. I order the right tests early so results are back before the appraisal.
Can I finance a camp on Sebago Lake?
Year round homes finance normally. Seasonal camps depend on access, foundation and heat. I know which lenders take which, and I tell you before you fall in love with it.
What is the Windham tax rate?
I confirm the current rate with the Town of Windham assessing office on your file rather than quoting an old number.
Is Windham USDA eligible?
Many addresses are, which opens USDA financing that doesn't require a down payment for eligible buyers within income limits. I check the address on the USDA map first.
How bad is Route 302 traffic?
North Windham is the commercial hub and 302 backs up at peak. It does not affect financing, but it affects where you want to live. Visit at rush hour.
What if the house is on a private road?
Lenders want a recorded road maintenance agreement or evidence of access. I sort this out during the contract period, not at closing.
How competitive is Windham?
Windham tends to be steadier than the Portland ring, though conditions shift with the season and inventory. I watch the market and tell you plainly what to expect on a specific house.
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.