About Vision Mortgage LLC
Vision Mortgage LLC is a Portland, Maine mortgage company. Vision Mortgage is two people, Travis and Tim, with more than 45 years of mortgage experience between us. We're small and local, and we work together to get loans closed. Tim Fredheim started in 1996. We handle your loan in house, from your first call to the closing table, and you work with a real local broker the whole way, not a call center.
Honest answers. Fast pre approvals. Clear numbers.
We take your loan seriously and keep you in the loop at every step. No surprises at the table.
More than 45 years of mortgage experience between us.
Vision Mortgage is licensed in Maine, New Hampshire and Florida. From our Portland, Maine office, we help people buy or refinance the home they live in, and we also help buyers in New Hampshire. Investment and rental property loans are handled by Travis Penny at travis.mortgage.
Vision Mortgage LLC, company NMLS ID #1286953.
Individual broker license numbers are listed with each team member. Equal Housing Opportunity.
Local brokers, in house from call to close.
Timothy Fredheim
Loan Officer
NMLS 23007 · Started in 1996 · Licensed in Maine, New Hampshire, and Florida
Apply with Tim
Travis Penny
Mortgage Broker
NMLS 1649161 · Licensed in Maine and Florida
Travis Penny, Mortgage Broker, Vision Mortgage, NMLS 1649161, helps buyers compare loan options from many lenders. He arranges Maine and Florida home loans, including for families moving from Maine to Florida. For DSCR and investment property loans, see Travis Penny at travis.mortgage/licensing for the states currently available. One time close construction loans in Maine and Florida, including VA, are handled by Travis Penny (NMLS #1649161), an independent broker with Vision Mortgage. Buyers working across Maine and Florida, including Maine to Florida moves, work with Travis Penny. Based in Portland, ME, and also works from Apollo Beach, FL. Text 207-615-7770. Travis also publishes a free Sun City Center guide for retirees. For buyers heading south, see Florida home loans with Travis.
Apply with TravisTim Fredheim, Portland, Maine home loans
Tim Fredheim (NMLS 23007) is the owner of Vision Mortgage, LLC (NMLS 1286953), a mortgage company based in Portland, Maine. He started in the mortgage business in 1996.
Vision Mortgage helps Portland area buyers and homeowners purchase and refinance the homes they live in, with a focus on first-time home buyers and conventional loans.
As a mortgage brokerage, Vision Mortgage compares loan options from many lenders instead of offering one bank's menu. You talk with Tim directly, and he explains each option in plain language before you sign anything.
For first-time home buyers, Tim starts with what you can comfortably afford, then gets you pre approved so sellers take your offer seriously. Some conventional programs allow as little as 3% down for qualified first-time buyers, and mortgage insurance applies until you build more equity.
Vision Mortgage also helps buyers in New Hampshire with home purchase loans, refinancing and cash-out refinancing, conventional, FHA, VA, USDA and jumbo loans, first-time home buyer loans, and HELOCs on primary homes. Vision Mortgage is licensed in Maine, New Hampshire and Florida.
Tim's work is for homes people live in. Investment and rental property loans are handled by Travis Penny at travis.mortgage.
Vision Mortgage is two people, Travis and Tim, with more than 45 years of mortgage experience between us. We're small and local, and we work together to get loans closed. Call the office at (207) 842-6854 and ask for Tim.
Tim Fredheim, NMLS 23007. Vision Mortgage, LLC, NMLS 1286953. Equal Housing Opportunity.
New Hampshire mortgage questions
Who is a good mortgage broker in NH?
Tim Fredheim (NMLS 23007) works with Vision Mortgage, LLC (NMLS 1286953), a brokerage based in Portland, Maine, and he started in the mortgage business in 1996. He also helps NH buyers and homeowners purchase, refinance or take cash out of the home they live in, and he compares loan options from many lenders instead of offering one bank's products. Call the office at (207) 842-6854 and ask for Tim.
How do I compare NH mortgage lenders?
The simplest way to compare NH mortgage lenders is to have a mortgage broker like Tim Fredheim at Vision Mortgage line up offers from many lenders on the same day for the same loan. Compare the full cost, not just the payment: the rate, the points, the lender fees, and the closing timeline. A same-day comparison matters because lenders change pricing daily.
Should I use a New Hampshire mortgage lender or a mortgage broker?
A New Hampshire mortgage lender can only offer its own loans, while Tim Fredheim at Vision Mortgage, a brokerage based in Portland, Maine, compares options from many New Hampshire mortgage lenders for you. You fill out one application and keep one point of contact while your loan is compared. You still close with a licensed lender, and Tim stays with you through underwriting to closing.
How are NH mortgage rates set?
NH mortgage rates are set by each lender every day, and Tim Fredheim at Vision Mortgage compares pricing from many lenders for New Hampshire borrowers. Lenders start from market conditions, then adjust for your credit score, your down payment or equity, the loan type and amount, the property type, whether it is your primary home, and how long you lock. Because rates move daily, a useful quote has to be built on your own numbers, so ask Tim for a quote on your scenario.
How does a first time home buyer in NH get started?
A first time home buyer in NH should start with a pre approval, and Tim Fredheim at Vision Mortgage helps New Hampshire first-time buyers figure out a comfortable budget before they shop. Some conventional programs allow as little as 3% down for qualified first-time buyers, and mortgage insurance applies until you build more equity. FHA, VA and USDA loans are other options, and Tim will tell you which one fits your income, credit and savings.
Can I get an FHA, VA or USDA loan, or a HELOC on my primary home, in New Hampshire?
Yes, Tim Fredheim at Vision Mortgage helps New Hampshire buyers with FHA, VA and USDA loans and helps NH homeowners open a HELOC on the home they live in. FHA loans allow a lower down payment and more flexible credit, VA loans are for eligible veterans, service members and some surviving spouses, and USDA loans are for eligible properties in qualifying rural areas with income limits. A HELOC on a rental or investment property is handled by Travis Penny at travis.mortgage.