We shop your home loan across dozens of lenders. A bank only sells you the bank.
Vision Mortgage is an independent Maine brokerage with roots in the business going back to the 1990s. We match you to the loan that fits your situation instead of whatever one lender happens to be pushing, and you work directly with your broker from the first call to the closing table.
A bank hands you its one menu. We bring you the whole field.
Walk into a bank and you get that bank's products, take them or leave them. We work for you, not for a lender. We pull your file, line up the programs that fit your credit and your timeline, and show you the real options so you make the call with the full picture in front of you. Because we live and work here, we know Maine property types, local inventory, and the programs Mainers actually qualify for.
The right loan for your situation, not a one-size product.
FHA Loans
First time and lower down payment buyers.
Learn more →VA Loans
Veterans and active military.
Learn more →USDA Loans
Eligible rural Maine properties.
Learn more →Conventional
Strong credit, flexible terms.
Learn more →Refinancing
Rate and term, plus cash out.
Learn more →DSCR Investor
Qualifies on rental income. 38 states.
Learn more →Maine and Florida buyers, statewide. Investors nationwide.
We serve buyers and homeowners across Maine and Florida. And because we are licensed in both, a move between the two stays with one team instead of getting handed to a broker in another state who has never seen your file.
- Portland
- Westbrook
- Saco
- Belfast
- Lewiston
- Old Orchard Beach
- Lisbon
- Naples
- Bangor
- Augusta
- Scarborough
- All of Maine
- All of Florida
Answers to what buyers ask most.
Is Vision Mortgage a broker or a lender?
We are a broker. That means we shop your file across many lenders to find the right fit instead of pushing one product menu like a bank does.
What states does Vision Mortgage serve?
Maine, New Hampshire, and Florida. We serve buyers, sellers, and investors across all three states.
What loan programs does Vision Mortgage offer?
FHA, VA, USDA, conventional, jumbo, DSCR investor loans, self employed and non QM loans, and refinancing. We match the program to your situation.
Where is Vision Mortgage located?
352 Warren Ave, Suite 6, Portland, Maine 04103. We serve greater Portland, Westbrook, Saco, and clients statewide.
How long does a typical closing take?
Most purchases close in 21 to 30 days from accepted offer. We push for clean, on time closings and keep you in the loop.
Who are the brokers at Vision Mortgage?
Founder Tim Fredheim, NMLS 23007, licensed in Maine, New Hampshire, and Florida, and Travis Penny, NMLS 1649161, licensed in Maine and Florida. You work directly with your broker, not a call center.