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Dave Pennington at CrossCountry Mortgage

Branch Manager | NMLS #304758

5.0

(417)

Mortgage

Mortgage Loan Officer

Contact Info

(619) 994-9723

Encinitas, CA

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

Location & Business Hours

Business Hours

Mon

8:30 AM to 5 PM

Tues

8:30 AM to 5 PM

Wed

8:30 AM to 5 PM

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5.0

(417)

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Dave was very helpful with all of our questions . The team was always available and the communication was great thank you

Overall great experience. I'll definitely recommend anybody that is doing a refinance or a purchace. Their team is very helpful, responsive and professional.

Reply from Dave Pennington

June 17th, 2026 05:08 PM

Thank you, Eric, for sharing your experience. I'm glad to hear that you found our team helpful and responsive during your refinance or purchase process. Your recommendation means a lot to me.

This was our second time working with Dave and his team at CCM, and let me tell you: Dave is a master at his craft. He and his team are extremely well organized, detail-oriented, and helpful. They always ensure we know what we are agreeing...

Excellent service from Dave and his team from start to finish in the process. He was a great communicator, found answers to all our questions, and made the entire process smooth. We also want to recognize Camilla Biscevic from his team, who...

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!

10 of 417

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