322 Encinitas Blvd Suite 170
Encinitas, CA 92024 Mobile 619.994.9723 Tel 619.994.9723 [email protected]
- monday: 8:00AM – 6:00PM
- tuesday: 8:00AM – 6:00PM
- wednesday: 8:00AM – 6:00PM
- thursday: 8:00AM – 6:00PM
- friday: 8:00AM – 6:00PM
- saturday: 8:00AM – 6:00PM
- sunday: 8:00AM – 6:00PM
- Purchase
- Refinance
- VA Loan

Your Local CrossCountry Mortgage Loan Officer

Dave Pennington

Branch Manager
Encinitas, CA Mortgage Loan Officer
NMLS # 304758

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.

By proceeding, I consent by electronic signature to receive calls and SMS text messages from CrossCountry Mortgage, LLC at the phone number I have provided, for any purpose, including loan inquiries, marketing, sales, and informational communications. I understand and agree that these calls and text messages may be made by any means or technology, including an automatic telephone dialing system or other automated system for the selection and dialing of telephone numbers, a prerecorded or artificial voice, or an AI-generated voice. I also understand and agree that my consent to calls and texts from CrossCountry Mortgage, LLC is not required to purchase products from or use the services of CrossCountry Mortgage, LLC, and that I may contact CrossCountry Mortgage, LLC at (877) 351-3400 about its products and services at any time. I understand that I may cancel this consent at any time. Reply STOP to discontinue SMS text messages. For help, reply HELP, call us at 844-940-2272 or email [email protected]. Message and data rates may apply. Message frequency varies. Terms and Conditions and Privacy Policy apply.

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.

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.

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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