Loan Program Overview

Conventional Loans

Loan Program

Conventional Loans

The gold standard for flexibility and competitive rates for those with established credit and down payments.

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FHA Loans

Loan Program

FHA Loans

A popular choice for first-time buyers, offering lower down payment requirements and flexible credit guidelines.

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VA Loans

Loan Program

VA Loans

An exclusive benefit for Veterans and active military, featuring $0 down payment options and competitive terms.

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USDA Loans

Loan Program

USDA Loans

Zero down payment financing for eligible rural and suburban homebuyers looking for an affordable path to ownership.

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Jumbo Loans

Loan Program

Jumbo Loans

Specialized financing for high-value properties that exceed standard conforming loan limits, tailored for luxury buyers.

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DSCR Loans

Loan Program

DSCR Loans

Investor-focused loans qualified based on property cash flow rather than personal income—perfect for growing your portfolio.

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See What You Qualify For

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Purchase

Model your buying power with the new holistic guidelines.
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Refinance

Optimize your monthly efficiency and exit high rates.
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Strategy

Book a one-on-one session to review your unique profile.
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Kevin Pennington

Kevin Pennington

Kevin is a licensed mortgage strategist and founder of Pennington Lending Services. With over a decade of experience, he specializes in engineering bespoke loan structures that align with long-term wealth goals for families across Washington.