Rosemary Godwin
Senior Loan Officer
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.
NMLS #272677
At Penny Lane Financial, we're proud to support the communities we serve. I'm honored to be a sponsor of The Short Game Golf Course in Republic WA, an exciting new addition to our local community.
These are a few of the many programs we offer:
Let’s work together to find the right solution for your unique needs and create a smooth path forward.
NO OBLIGATIONS
Request a FREE Consultation
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"Your home journey starts with knowing your options."
-Rosemary
I manage our Eastern Washington office. I’ve built an extensive background in mortgage financing because I love the challenge of finding the perfect solution for my clients. I personally manage the details of every mortgage I handle, specializing in traditional home loans as well as reverse mortgages for clients 62 and older. I’m here to make the financing process as clear and stress-free as possible.
A Thoughtful Approach to Home Financing
Finding the right mortgage isn't just about interest rates—it's about choosing a loan that supports your life and your long-term goals. With over 30 years in the financial industry, I'm here to provide honest guidance and help you make confident decisions every step of the way.
Estimate Your Monthly Payment With Our Mortgage Calculator
Use our mortgage calculator to get a quick estimate of your monthly payment based on price, down payment, and loan terms. While it’s a helpful starting point, your actual options may vary.
For the most accurate numbers and guidance, a quick conversation can make all the difference.
Small Balance Multifamily
Program Overview
Designed specifcally for the purchase of a small, multifamily housing development (5+ units). This program is ideal for investors looking to qualify based o the cash flow of the subject property with no income or employment documentation
Qualifications:
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Max 70% LTV Purchase & R/T Refi
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Max 65% LTV Cashout
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Minimum 625 FICO
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Loan amounts up to $3M
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Multifamily Residential Properties 5-24 Units
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Qualify with DSCR
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No income or employment
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Single Asset Entities Only
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No deposits required
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Interest Only options available
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Minimum 1.00 DSCR
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Reserves - Minimum 6 months P&I
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.
Borrowers with:
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No W-2
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No tax returns
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1099s
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Bankruptcy, foreclosure, short sale, forbearance, or deed-in-lieu
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No Social Security number
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No proof of employment
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No income
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Significant assets
Client Profiles:
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Self-employed
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Business owners
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Recent credit events
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Financially affected by COVID-19
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Jumbo borrowers
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LLC owners
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Works outside US
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Property investors
Get expert advice from a local and friendly company.
CONTACT ME
ADDRESS
OFFICE HOURS
PHONE
1804 W Union Ave, Suite 202, Tacoma, WA 98405
Monday to Friday
9:00 am - 5:00 pm
253-861-9880