Hi. I’m Penny. I run this place. Well - my Dad thinks he runs this place, but I’m the one who greets everybody, supervises the snacks, and makes sure nobody works too hard to notice a good belly rub.
This is my corner of the website. Grab a treat (I did) and let me tell you a few things.
(Numbers Penny made up. She cannot count. She is a dog.)
Humans get very worked up about square footage and interest rates. Me? A home is wherever my people are, plus a sunny spot on the floor and somebody dropping bits of cheese. That’s it. That’s the whole thing.
My Dad gets that. It’s why he doesn’t treat you like a number - he treats you like family. And I treat family very well.
Woof. (That means “he’s a good one.”)
He works late. He answers the phone when other people won’t. Sometimes I have to physically lie on his keyboard to remind him it’s dinner time - mine and his.
But here’s the thing: every single one of those late nights is somebody getting the keys to their first house. I’ve decided I’m okay with sharing him. (Mostly.)
10/10 human. Would adopt again.
One: don’t open new credit cards before closing. I don’t know what that means but my Dad says it a lot and he seems stressed about it, so, don’t.
Two: pick a yard with good sniffs. Three: call my Dad. Four: treats. Always treats.
You’re welcome. That’ll be one belly rub.A curated collection. Curated by me. Every photo is my best side. They’re all my best side.
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Mom deciding which of us ... like Earl had a shot! lol!
My mom Jen - I'm her whole world
Gotcha day - the nice guy from the Humane Society
I approve of Tree House Brewery!
Treat radar: active
Home is where the treats are
Belly Rub Time?
Grandma cuddles hit different ... she LOVE me!
Co-pilot duty with Dad
Nap o'clock with Mom
You move I'm up!
Bath time, courtesy of Mom
Why do they keep putting this stuff on me?
Glam Shot!
Mom's kisses = my favorite
New house, new sniffs
Visiting Grandma ... Amedore Homes does Excellent Work!
Dad's got me ... bald guys are always cold in the Winter!
Reporting for cuddles
Grandma's good girl
Hangin' with my bro Ethan!
Adventure buddy ... going to Florida baby!
Chillin' with my bro Nick!
Halloween. I did not consent to being a chicken!
Bedspread: mine now. Sorry.
Sitting up straight because I heard the treat bag.
Dad says Christmas starts whenever we say it does!
Boop the snoot (you have permission)
Winter coat on. Let's make this quick.
Pillow fort, occupied
This is my spot. Dad's lap is my spot.
Making friends wherever we go ... yeah I'm kind of a big deal!
Guarding the couch from the couch
Two-dog pile. Nap in progress.
Me and my chew toy that I'm going to destroy ... Don't ask.
Toy defeated. Rest earned.
Rain coat for me? These guys are ridiculous!
Full sploot. Peak relaxation.
Chair? No, throne.Mid-yawn. Not my best angle, still cute.
Belly up means belly rubs. House rules!These are the loans Dad spends the most nights on. I have listened to every one of these phone calls from under the desk, so I am basically qualified.
Credit down in the 500s and Dad still finds the door. 3.5% down at 580, 10% below that. Nobody in this house judges anybody for a rough year.
See FHA loans →A tired house on a great lot is a good deal in a bad coat. This one pays for the fence, the yard, and the kitchen the humans care about, all in one closing.
Dig into renovation →Up to $30,000 toward the down payment for first-time buyers in New York. People assume they earn too much and never ask. Ask.
Check SONYMA →Qualifies the house on its rent instead of your tax returns. Dad writes a lot of these for people buying two- to four-families around here.
See DSCR loans →Bank statements instead of W-2s, assets instead of income. This is the shelf Dad goes to when a regular lender runs out of ideas.
Explore Non-QM →Zero down, and the whole point is land around the house. Most of Rensselaer and Washington county qualifies. Personally, my favorite.
Sniff around USDA →A dog picked these, so double-check with Dad. He is the one with the license.
Then the front door is propped open for six hours, strangers are carrying the couch out, and somebody is driving around the old neighborhood at nine at night calling a name. I have supervised a few of these. Here is the short version.
On moving day that front door stands open for hours and everybody assumes somebody else is watching the dog. Pick the plan before the truck arrives: a closed room with a sign on it, a crate, or a day at daycare. “We’ll keep an eye on her” is not a plan.
I’ve done a lot of important work here today (see: the naps I supervised). If you’re thinking about a home, go talk to my Dad. Tell him Penny sent you - he’ll know I approve of you.
Brian Marchand · Sr. Loan Consultant, New American Funding · NMLS #481563
Works with buyers and homeowners across Albany, NY, the Capital Region and New York State. Licensed in New York State. New American Funding, NMLS #6606 · 18 Computer Dr E, Suite 103, Albany, NY 12205.