Portland, Maine mortgage company
Reviewed by Tim Fredheim, NMLS 23007 · Last updated October 22, 2026
Looking for a mortgage lender in Portland, ME? Vision Mortgage is a Portland, Maine mortgage company and brokerage. We compare loan options from many lenders instead of offering one bank's menu.
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 (NMLS 23007) started in the mortgage business in 1996.
What we help with
Vision Mortgage helps with purchase, refinance, first-time home buyer and conventional loans for homes people live in.
Our Portland office
Vision Mortgage is at 352 Warren Ave, Suite 6, Portland, Maine 04103. Call the office at (207) 842-6854 and ask for Tim.
Towns near Portland we help
South Portland
Vision Mortgage helps South Portland buyers and homeowners purchase or refinance the home they live in.
Westbrook
Buying a home in Westbrook? Vision Mortgage can compare purchase loan options for you.
Scarborough
Scarborough homeowners can talk with Vision Mortgage about refinancing their primary home.
Falmouth
For a home purchase in Falmouth, we help you review loan options and understand the costs.
Cape Elizabeth
We work with Cape Elizabeth buyers on loans for homes they plan to live in. We also help homeowners explore refinancing.
Gorham
Vision Mortgage helps first-time buyers in Gorham look at home loan options that fit their circumstances.
Maine loan programs
- Maine FHA loans for home buyers.
- Maine VA loans. VA loans are for eligible veterans, service members and some surviving spouses.
- Maine USDA loans for eligible properties and borrowers.
- Maine jumbo loans for home purchases.
- Maine refinancing for homeowners.
Travis Penny also has a guide for Portland buyers: Portland home loans with Travis Penny.
Investment, Maine and Florida loans
Investment and rental property loans are handled by Travis Penny at travis.mortgage.
See DSCR investor loans, Maine home loans and Florida home loans with Travis Penny.
For DSCR and investment property loans, see Travis Penny at travis.mortgage/licensing for the states currently available.
Portland, Maine mortgage questions
How do I pick a mortgage company in Portland, ME?
Pick one that compares loans from many lenders, explains the costs in plain English and stays with you to closing. Vision Mortgage is a brokerage at 352 Warren Ave, Suite 6. Call the office at (207) 842-6854 and ask for Tim.
Who are mortgage lenders in Portland, ME?
Portland has banks, credit unions and mortgage companies. As a brokerage, Vision Mortgage compares loan options from many lenders for Portland buyers and homeowners, so you do not have to apply to each one yourself.
What does a mortgage brokerage do?
A mortgage brokerage compares loan programs and pricing from many lenders for you. It helps you pick the one that fits and manages the file through underwriting to closing. You still close with a licensed lender.
How much down payment does a first-time buyer in Portland, ME need?
It depends on the program, your credit and your savings. Some conventional programs allow as little as 3% down for qualified first-time buyers, and mortgage insurance applies until you build more equity. Not everyone will qualify. FHA, VA and USDA loans are other options.
Does Vision Mortgage help buyers in South Portland and nearby towns?
Yes. Vision Mortgage helps buyers and homeowners in Portland, South Portland, Westbrook, Scarborough, Falmouth, Cape Elizabeth and Gorham, and also helps buyers in New Hampshire.
Who handles investment property loans?
Investment and rental property loans are handled by Travis Penny at travis.mortgage. For DSCR and investment property loans, see Travis Penny at travis.mortgage/licensing for the states currently available.