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Dave Pennington at CrossCountry Mortgage

Branch Manager | NMLS #304758

5.0

(413)

Mortgage

Mortgage Loan Officer

Contact Info

(619) 994-9723

Encinitas, CA

https://www.ccm.com/Dave-Pennington

Location & Business Hours

Business Hours

Tues

8:30 AM to 5 PM

Wed

8:30 AM to 5 PM

Thu

8:30 AM to 5 PM

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5.0

(413)

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Dave was instrumental in our new home our new home purchase. Through every step of the process, he delivered what was needed and his response time was amazing! Thanks Dave!!!

Excellent service and exceeds expectations. Highly recommend.

Dave is a very thorough real estate professional and presented me with excellent options. The loan he acquired for me exceeded my expectations. Highly recommend.

Reply from Dave Pennington

June 2nd, 2026 04:20 PM

Thank you for your kind words, Nikola. I'm pleased to know that the options I presented met your expectations and that you're happy with the loan. If you have any questions or need further assistance, feel free to reach out.

Dave Pennington at CrossCountry Mortgage has received a review with 5 star rating from Steve B

Made it easy, fast, responsive, and great flexibility for a more unique VA loan!

Reply from Dave Pennington

May 25th, 2026 07:09 PM

I'm glad to hear that the process was smooth and responsive for your unique VA loan, Steven. Flexibility is key in handling different situations, and I'm pleased it worked out well for you. If there's anything else you need, feel free to reach...

Seriously the best! Was able to get me a loan quickly and a great rate. He definitely stays on top of it and makes the process very easy. I have recommended him several times and everyone has had a great experience!

Working with Dave was such a great experience! He is always on top of things, and does a good job explaining things when I have questions. He's a hard worker, and I can tell he's passionate about his work. Our situation was a-typical, and he...

Dave is super responsive and on top of things. He's good about explaining different things to those of us who are not in finance, to help us have a better understanding of what we're committing to. Seriously couldn't have had a better experience....

Reply from Dave Pennington

May 8th, 2026 06:07 PM

I'm grateful for your kind words, Amber. It's important to me to ensure clear communication and understanding, especially for those not familiar with finance. I'm happy to hear you had a positive experience. If there's anything more you need,...

Dave Pennington at CrossCountry Mortgage has received a review with 5 star rating from Michael P J

Dave is amazing. Very communicative and knowledable. Two very important traits to have in our business. I apprecaite it very much working with such a professional

Reply from Dave Pennington

May 1st, 2026 06:18 PM

I really appreciate the feedback and am looking forward to working with you again.

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About

Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Encinitas, CA. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner considering a refinance, I provide a selection of mortgage loan options to fit your goals. FHA loans, VA loans, conventional loans, and jumbo mortgages are just a few I offer to help you navigate home financing with confidence. From application to closing, I’ll give you a transparent process with clear communication and expert advice every step of the way. Together, we’ll bring your homeownership dreams to life. NMLS #304758 | Branch NMLS #2338410

Products & Services

Mortgage Loan Officer

FHA Home Loan

VA Home Loan

Jumbo Home Loan

Conventional Home Loan

Specialities

Conventional Loans

FHA Loans

VA Loans

USDA Loans

Jumbo Loans