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Meet Matt Allen, a seasoned professional dedicated to turning your real estate dreams into reality. With over 30 years in sales and sales management and more than 18 years in the mortgage industry, his unbeatable depth of knowledge sets him apart. As a Senior Loan Officer and Mortgage Advisor, Matt specializes in residential mortgages for primary residences, second homes, and rental properties (1-4 units).

Matt Allen

Mortgage Services

A little about me...

My commitment to client satisfaction is unmatched. I go above and beyond to exceed expectations at every step, ensuring that each experience is nothing short of amazing. Whether you're an active military or veteran seeking VA benefits, an investor, a first-time homebuyer, or looking for down payment assistance, my expertise covers a broad spectrum of specialties.

As your trusted advisor, I provide tailored solutions for various mortgage needs, including VA, FHA, Conventional, Jumbo, and Non-Conforming Portfolio loans for both purchase and refinancing and including small business commercial loans. My meticulous attention to detail guarantees that nothing is missed along the way, instilling confidence in my clients, who consistently trust me for their real estate endeavors.

Senior Loan Officer

NMLS #121232

Experience the difference with Matt Allen – where expertise meets excellence in real estate and mortgage solutions.
Partner with me for a stress-free, personalized journey that aligns with your unique goals and aspirations.

Old Parchments

Choose an option that fits you...

Embark on your homeownership journey with confidence. With over 30 years of expertise in the financial industry, I'm ready to assist you in finding the perfect loan that aligns with your unique needs and aspirations.

 

Explore a spectrum of options - Traditional mortgages, VA, FHA and small business commercial loans. Also, Jumbo, non-conforming and reverse mortgages for those over 62. 

Here's a recap of the types of borrowers and situations that might work best with a non-qualified mortgage program.

Borrowers with:

  • No W-2

  • No tax returns

  • 1099s

  • Bankruptcy, foreclosure, short sale, forbearance, or deed-in-lieu

  • No Social Security number

  • No proof of employment

  • No income

  • Significant assets

Client Profiles:

 

  • Self-employed

  • Business owners

  • Recent credit events 

  • Financially affected by COVID-19

  • Jumbo borrowers

  • LLC owners

  • Works outside US

  • Property investors

Non-Qualified Options...

I believe your homeownership journey should be as individual as you are. Say goodbye to the one-size-fits-all approach! Our Non-QM (Non-Qualified Mortgage) and non-conforming programs are the game-changer you've been searching for—exceptional alternatives to standard loan options that may not quite match your current situation.

Reverse Mortgages for Those 62 and Older

In addition to working with traditional homebuyers, I'll also be specializing in reverse mortgages tailored for individuals aged 62 and older. This unique offering is designed to meet the specific needs of this demographic, providing a personalized approach to secure financial well-being.

When you choose to work with me, expect a personalized experience. I'll attentively listen to understand your goals and circumstances.

Gardening Together
Housing Loans

Ready to explore a personalized approach to homeownership? Let's turn your unique circumstances into a success story. Let's find the perfect loan for you!

Contact Me Here

Main Office:

1804 W Union Ave, Suite 202, Tacoma, WA 98405

 (253) 222-9256

Thanks for reaching out!

We'll be in touch with youas soon as possible

In response to this online inquiry you make, you will be contacted by me at the phone number/email you have provided.

 

Chelan location:

148 Waterview Drive, Chelan, WA 98816

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Important Disclosures

Equal Housing Lender:
Penny Lane Financial, LLC is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

NMLS Consumer Access:
Our NMLS number is 1905686. WA – MB1905686 AZ – 1034711  You can verify our licensure status and find more information about our company at the NMLS Consumer Access website: https://www.nmlsconsumeraccess.org/ WA – MB1905686 AZ – 1034711

Terms and Conditions:
The loan terms and conditions provided by Penny Lane Financial, LLC are subject to change without notice. All loan approvals are subject to underwriting guidelines and credit approval. Not all applicants will qualify. Interest rates and annual percentage rates (APRs) are based on current market conditions and are subject to change.

Mortgage Loan Information:

  • Loan Types: We offer a variety of mortgage loan options, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans.

  • Interest Rates and APRs: The interest rates and APRs provided on our website are estimates and are subject to change based on market conditions and borrower qualifications. Please contact us for the most current rates.

  • Loan Fees and Costs: Mortgage loans may involve fees, including origination fees, appraisal fees, credit report fees, and other closing costs. These fees will be disclosed to you during the loan process.

Consumer Rights and Responsibilities:
As a borrower, you have the right to receive a Loan Estimate within three business days of submitting a complete loan application. This document provides important details about the loan terms, estimated costs, and other important information. You also have the right to receive a Closing Disclosure at least three business days before your loan closing, which outlines the final terms and costs of your loan.

Homeownership Counseling:
If you are experiencing financial difficulties or have questions about your mortgage loan, you may seek assistance from a HUD-approved housing counseling agency. For a list of HUD-approved counseling agencies, visit the HUD website at https://www.hud.gov/program_offices/housing/nationally_hud_approved_housing_counseling_agenciesdirectory

 

Insurance License:
Penny Lane Financial, LLC holds life, disability, property and casualty insurance licenses in WA and AZ, NPN #17702278. We are committed to providing comprehensive financial services, including insurance products, to meet the diverse needs of our clients. Regulated by Washington State Insurance Commissioner at https://www.insurance.wa.gov/

Privacy Policy:
We are committed to protecting your privacy and ensuring the security of your personal information. For details on how we collect, use, and safeguard your information, please review our privacy policy here.

Contact Us:
If you have any questions or need further assistance, please do not hesitate to contact us at 253-327-1177 or email to vip@pennylanefinancial.com.

Equal Housing Lender

Check us out  

Penny Lane Financial, LLC NMLS #1905686 WA State, NMLS #1034711 AZ State

 

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EQUAL HOUSING LENDER

 

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