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  • 322 Encinitas Blvd Suite 170 Encinitas, CA 92024 Tel (619) 994-9723 Dave.Pennington@ccm.com

Your Local CrossCountry Mortgage Loan Officer

Dave Pennington

  • Branch Manager
  • Encinitas, CA Mortgage Loan Officer
  • NMLS #304758
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I’ll be with you every step of the way

Hi, I’m Dave. With over 18 years of experience as a Loan Advisor at our Encinitas, CA branch at America’s #1 Retail Mortgage Lender, I take pride in providing clients with exceptional service and accurate loan information to fit their personal financial needs. My background and comprehensive mortgage experience enable me to educate and assist you in all aspects of purchasing or refinancing properties throughout California.

I’ve worked as a direct lender, mortgage consultant, and as a real estate broker. This extensive knowledge allows me to determine the best possible strategies and solutions for my clients, including FHA, VA, conventional, and jumbo financing.

I’ve been honored for 8 years as a 5 Star Mortgage Professional by San Diego Magazine, and my clients appreciate my accessibility, communication, and attention to detail. As my business is built on referrals, I strive to ensure that all clients have a positive and successful experience.

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

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A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.
Military member coming home to his daughter in his VA-funded home.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

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Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

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Come Home With a VA Loan

Did you know VA mortgage loans are not only for Veterans? Qualified Active-Duty Military, National Guard, Reservists, and Surviving Spouses can take advantage of this important benefit. VA loans offer 100% financing without mortgage insurance, and the VA benefit is re-usable. 

Purchase or refinance, contact me to learn more. 

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Frequently asked questions

  • Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.

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