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A blue house surrounded by nature

Meet Rosemary Godwin, our accomplished Senior Loan Officer and Eastern Washington Branch Manager. With an extensive background in mortgage financing, Rosemary is a dedicated professional who personally manages and navigates the intricacies of mortgage options for her clients.

Specializing in various mortgage solutions, including traditional home loans and reverse mortgages for those over 62.

Rosemary Godwin

Beige Aesthetic Feminine Business

A little about me...

I have served in the financial industry for over 30 years. Though my primary role has been as a mortgage lender, I have been fortunate to have held a wide variety of positions over the years, including credit analyst, bank manager, grants and contracts manager, and paralegal. I have developed a keen ability to navigate ever-changing regulations and lending programs while making customer care my highest priority. I take great pride in having received multiple awards for delivering outstanding customer service.

Having spent most of my life as a resident of Pierce County, my husband, Marion, and I now reside in rural Republic, WA, where we enjoy small-town life and outdoor adventures. We are classic car enthusiasts and active supporters of the local Eagle Track Raceway.

Senior Loan Officer

NMLS #272677
 

Blue Sofa

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, from traditional mortgages offering stability, to VA loans, FHA loans catering to diverse financial situations. Uncover the possibilities of jumbo loans for high-value properties, or explore the financial flexibility provided by reverse mortgages, HELOCs and HELOANs. The list goes on and we probably have a solution for your unique mortgage needs.

Reverse Mortgages for Those 62 and Older

Start a new chapter of financial freedom with Reverse Mortgages tailored for individuals aged 62 and older. With over 30 years of experience, I've encountered countless individuals who have transformed their lives through the unique benefits of Reverse Mortgages. Whether it's enhancing retirement income, tackling unexpected expenses, or realizing long-held dreams, these specialized solutions empower you to leverage the equity in your home.

Gardening Together
Financial Services in Washington and Arizona
Modern Houses

Qualifications:

  • Max 70% LTV Purchase & R/T Refi

  • Max 65% LTV Cashout

  • Minimum 625 FICO

  • Loan amounts up to $3M

  • Multifamily Residential Properties 5-24 Units

  • Qualify with DSCR

  • No income or employment

  • Single Asset Entities Only

  • No deposits required

  • Interest Only options available

  • Minimum 1.00 DSCR

  • Reserves - Minimum 6 months P&I

Small Balance Multifamily
Program Overview

Designed specifcally for the purchase of a small, multifamily housing development (5+ units).

Ideal for:

Investors looking to qualify based o the cash flow of the subject property with no income or employment documentation

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.
Country House

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

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

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.

 

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

NMLS #1905686

(253) 861-9880 cell

32 Barter Fair Rd, Republic WA 99166 / PO Box 866, Republic WA 99166 | NMLS #2411714  

Eastern WA Office:

Main Office:

Get expert advice from a local and friendly company. 
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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

Check us out  

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

 

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NMLS Consumer Access - click here

EQUAL HOUSING LENDER

 

All Rights Reserved © 2017 - 2024 Penny Lane Financial LLC .

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