Personalized Loan Options, Professional Execution

Start Your
Homeownership Journey

Buying a home is more than a transaction; it’s a milestone. Whether you’re a first-time buyer looking for a low-down-payment program or a seasoned investor seeking a specialized portfolio tool, we provide the lending strategies that make your offer stand out. From the initial pre-approval to the final key exchange, we ensure your path to homeownership is clear, fast, and secure.

Credit Flexibility
FHA Loans

Perfect for buyers who need more flexible credit requirements and a low 3.5% down payment to get into their new home.

Low Down Payment
First-Time Buyer

Specialized programs including 3% down options and guidance tailored to help you navigate your very first home purchase.

Standard Financing
Conforming

The “gold standard” for buyers with 5% to 20% down who want the most flexible terms for a primary or secondary residence.

High-Balance Solutions
Jumbo

Sophisticated financing for high-value properties that exceed standard limits, requiring expert underwriting and execution.

100% Financing
Veteran Purchase

Leverage your earned benefit with $0 down and no monthly mortgage insurance. The ultimate reward for those who served.

Portfolio Growth
Real Estate Investor

Scale your wealth with DSCR tools that qualify based on the property’s rental income rather than your personal DTI.

Ready to See Your Options?

Secure your pre-approval with a Top 1% National Originator.

Start My Purchase

Want a local expert to help you find the right loan?

NMLS 1534892 | Pennington Lending Services Inc.

Purchase FAQ’s

How long does a pre-approval take?

Speed is critical in a competitive market. Once you provide your initial documentation, I typically provide a fully-vetted pre-approval within 24 to 48 hours. This ensures you can make a confident offer the moment you find the right home.

Do I really need 20% down to buy a home?

Not at all. While 20% down eliminates Private Mortgage Insurance (PMI), many of our most popular programs—including FHA and Conventional options—allow for as little as 3% to 3.5% down. Our Veteran clients may even qualify for 0% down financing.

What is the difference between Pre-Qualified and Pre-Approved?

A pre-qualification is a surface-level estimate. A Pennington Lending Pre-Approval is a deep dive into your credit, income, and assets. Sellers and listing agents prioritize our pre-approval letters because they know the file has been professionally vetted and is ready to close.

How do I begin my home search?

The smartest way to search is with a clear budget in hand. We begin with a Homeownership Pathway review to determine your maximum purchasing power and identify the best loan product for your goals. This allows you to shop with confidence and narrow your search to homes that fit your financial strategy. To start your review, simply complete our online application.