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MORTGAGE LOANS IN TACOMA WA

Non-Qualified Mortgage Loans

Our Non-QM, or non-conforming programs are exceptional alternatives to standard loan options that may not work for your current situation. Below is a recap of the types of borrowers and situations that might work best with a non-qualified mortgage program.

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Borrowers with:

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  • 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:

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  • Self-employed

  • Business owners

  • Recent credit events 

  • Financially affected by COVID-19

  • Jumbo borrowers

  • LLC owners

  • Works outside US

  • Property investors

Get expert advice from a local and friendly company. 
CONTACT US
ADDRESS
OFFICE HOURS
PHONE
EMAIL

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

Monday to Friday

9:00 am - 5:00 pm

253-327-1177

vip@pennylanefinancial.com

You can also visit us; we'd love to meet you.
Please note we are in and near Tacoma, Lakewood, University Place, Puyallup, Spanaway, Parkland, Federal Way, Auburn, Fife, Milton, Edgewood, Bonney Lake, Sumner, Gig Harbor, Fircrest, Ruston, Steilacoom, DuPont, Joint Base Lewis-McChord (JBLM), Kent, Des Moines, SeaTac, Burien, Covington, Maple Valley, Enumclaw, Graham, Orting, Roy, Vashon Island, and Normandy Park.

Find out more about our partner company 

Penny Lane Wealth Management

Penny Lane Financial Logo

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Important Disclosures

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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/

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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.

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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.

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Equal Housing Lender

Check us out  

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

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