Headshot of Dave Pennington

Dave Pennington

Branch Manager

Encinitas, CA Mortgage Lender

NMLS #304758

Adress
322 Encinitas Blvd Suite 170
Encinitas, CA 92024
Contact Methods
Email
tel Phone
(619) 994-9723

Awards

About Dave

With 18+ years of experience as a Loan Advisor, David Pennington takes pride in providing his clients with exceptional service and accurate loan information to fit their personal financial needs. His business background and comprehensive mortgage experience enable him to educate and assist his clients in all aspects of the purchase or refinance of their properties throughout California.

His education and professional career have been exclusively focused on examining and understanding the financial industry. At the University of Wisconsin at Madison, David achieved a Bachelor of Business Administration in Real Estate and Urban Land Economics with a minor in International Business and German. He has worked as a direct lender, mortgage consultant and is a licensed Real Estate Broker. David’s experience includes working as a Client Services Representative at US Bancorp Investments where he perfected his customer service skills.

This extensive knowledge of the financial industry allows David to determine the best possible strategies and solutions for his clients. David is skilled at finding fast and affordable FHA, VA, conventional and jumbo financing. In addition, he has been honored for 8 years as a 5 Star Mortgage Professional by the San Diego Magazine. All of David’s clients are pleased with their loans, and he has a five-star rating on YELP praising his accessibility, communication and attention to detail. Dave is thankful for dedicated clients and agents. As his business is built entirely on referrals, Dave continues to ensure that all clients have a positive experience.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles

Blog

A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at (619) 994-9723