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What Can Penny Lane Financial Do For You?

By now, if you're reading this, you probably know who we are. But do you know what we actually do? Aside from having “Financial” in our name, how do we help people? Here’s a quick breakdown of our services and why they should or could be important to you:


Retirement Planning – Many Americans are not as prepared for retirement as they might like to be, or actually need to be. What does your retirement look like financially? Where will your income come from? What about your health insurance? Do you have a plan for income, property and estate taxes and the changes retirement will bring to these important topics? What about wills, beneficiaries, document storage, account access and so much more? It's never too early to start having these conversations with family and your financial advisor.


Life Insurance – Do you have insurance for your phone, but not for you life? Seems silly, right? It is. Most people do not like to think about life insurance, but it can be the best thing you do for your family and beneficiaries. How much do you need? What types are there? Did you know there are policies that will help with Long-Term care AND income in your later years?


Mortgage Services – We offer a wide range of mortgage services including refinances, reverse mortgages, VA mortgages, FHA and Conventional, HELOCs, short and long term loans, to name the most common. Let us help to get you an awesome rate with exceptional service. Interest rates are really low right now, and it's a great time to refinance your loan!


Home/Auto/Umbrella Insurance – The vast majority of us have home and auto insurance. While most people shop for the best deal, many people are over-paying for their personal insurance. We shop for you and also look for the best price, best coverage, and most importantly talk with you about what is the best coverage for your unique situation. There's so many options on the web it can be overwhelming, so we're here to help.


Annuity Consultation – This may seem like an odd service, but the data shows that Americans, especially baby boomers, are purchasing annuities at a record pace. Not only do annuities offer you guaranteed income and security, they often are a needed addition to your portfolio because pensions have decreased dramatically.


Investment Advice – What do you do when the market goes down? What do you do when it goes up? By having a seasoned professional look at your investments, you can gain peace of mind as well as options to choose from.


While this list does encompass much of what we do, we do offer other less prominent services too. These include Medicare Supplements, Long-Term care strategies, income planning, estate planning and general financial advice.


Our objective at Penny Lane Financial is to take extraordinary care of our clientele. These aren't just words, but a true sentiment of our philosophy. Our specialists are here to guide, educate and serve you in all areas of your financial life. By providing these complementary services you will always be able to get the help you need and the attention to detail that you deserve.


Give us a call, we're here to help. (253) 327-1177

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

Monday to Friday

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253-327-1177

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Penny Lane Financial - Trust and Expertise in Financial Services.

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.

Penny Lane Washington

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

 

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