Dave Pennington

Dave went above and beyond to help us get our loan for our new home. He was more than helpful and always there to answer questions. I would highly recommend Dave for your loan needs and he is also a very good resource for other real estate needs. He is a wealth of knowledge and works the ins and outs for the best rate and situation for your needs.
Thanks Dave for everything you did for us!!! Cheers!

If we could give Dave and his team at RPM a higher rating, we would! Dave and his team worked around the clock to help us buy our first home. The transparency of Dave really helped us enjoy the process of something that can be stressful. The open communication (calls and email) eased our minds and we were never in the dark. He answered any and all questions we had without hesitation. Dave and his team were always on top of things that we were actually able to close escrow a day ahead of schedule giving us more time to enjoy our new home. We cannot say enough about Dave and his team, truly awesome!

I cannot speak highly enough of Dave Pennington and his team. As first time home buyers, my husband and I needed a lot of hand holding through the mortgage process, and Dave walked us though every step of the way. We had actually worked with a few lenders (through our realtor) but were not really happy with our experience. That’s when I turned to Unilocal to find a new lender. And we were so glad we called Dave. He ended up saving us so much time and money when he found out right away that a condo we were hoping to purchase was in litigation. I felt like Dave not only cared about us as clients but also as people. He followed up with us even after the deal was made just to check in. It’s rare to find that in a lender. If you’re a first time home buyer and don’t even know what questions to ask, I highly recommend you call Dave. He will make the intimidating process so much easier to navigate.

Dave helped us out with re-​financing our loan. First time home-​buyers we were lost in the whole process but Dave guided us the whole way. He was always available for questions any time of the day and always asked if we had any more questions. The process was smooth and harmless. Would definitely work with Dave again with future.

Getting a home loan can be very frustrating. David was very helpful and understanding throughout the whole process. He is very knowledgeable. He was also always available when we had a question. He was also very efficient!

Dave is a great partner in this daunting, home buying process! We had a lot of questions that he took time to answer, he was very responsive, and he was transparent in every step of the way. He also provided us with pre-​approval letters immediately after we requested them for the offers we made (we made a lot) — even on weekends! Now that we’ve settled in our first home and have the time to look back at our experience, we appreciated that very much and would recommend him to home buyers in North County.

Dave made everything seamless and easy for us to purchase our home, and then refinance a couple of years later. He’s very responsive and professional.

I was referred to Dave by my realtor/​friend. Given that I trust my realtor, I went in to the home buying process with good faith. I immediately trusted Dave because of this, however, his prompt services, friendly and helpful demeanor, and hard work even during a holiday weekend was proof enough that Dave is a person to trust and depend on. I recommend his services 100%. Two weeks after closing, I still send him emails with questions and is still replying promptly and being of service. Thank you.
Also, anyone buying with a VA loan like I have. Dave did an amazing job at handling the process.

Very efficient and effective! Great to work with for our home loan! We would recommend his services to our family and friends.

We found Dave Pennington on Unilocal and decided to use him based on his glowing reviews. We had a great experience with him and his team while we refinanced our home. He was very proactive throughout the process and made sure we got the best rate possible. He was always «on call» if we had questions or concerns — including late night emails. We really appreciate all his help to keep us on top of the paperwork and guide us through our refinance. The online paperwork was a plus for us. Highly recommended.

Dave Pennington, our long-​time mortgage broker, has been a phenomenal advisor and mortgage expert. Eminently competent and trustworthy, Dave has been a blessing to our family. We are educators in an expensive part of California and Dave help has made the housing market accessible to us.

Easiest and fastest refinance experience I’ve ever had. David is easy to work with and is always readily available to answer questions. Got a really low interest rate and closing costs were the lowest I’ve personally ever had. Thanks David for doing such a good job. I highly recommend his service.

Like many other people, I found Dave through Unilocal.After the initial phone consult, I knew right away he was very knowledgable and Dave has exceeded my expectations throughout the whole process. He was quick to respond by phone or email and would often contact me for updates and questions!
There were many moving parts in funding my loan and Dave was ready way before my buyer’s loan processed. I closed on my house and Dave was so quick we funded the next day!
This is my third home purchase and Dave is by the far the best and I would highly recommend him, not only for his professionalism but also he will do his best to find you the best rate.
Thanks again Dave for all your help and hard work, we truly appreciate you!

Dave was recommended to me by a real estate agent in San Diego 2 years ago. I finally had an opportunity to buy a house last month and called Dave. He gathered most of my information right away and got me pre-​approved within hours. That allowed me to make an offer on a new home with confidence. As soon as I told Dave I had an acceptance, he and his assistant, Donna, went into action. My head was spinning with the fast pace these two people got things done. I had a hard time keeping up with them. My escrow closed in time, thanks to Dave and Donna. If you want a knowledgeable, honest, reliable, responsive, hard working person to handle your loan, Dave Pennington is the right person to do the job. My real estate agent was amazed at how responsive and helpful Dave was and hopes to do business with him again. Thanks Dave!

Dave is absolutely excellent at his job and was completely professional, efficient and most importantly has very good communication skills throughout the home buying process. He was always quick to respond even when gone on vacation. His assistant Donna was a pleasure to work with and very friendly as well. My husband and I have nothing but positive feedback for him! Would HIGHLY recommend his services and use him again in a heartbeat. Thank you Dave for helping us buy our first family home!!!

My wife and I have used a few lenders over the course of our lives and I can say that hands down, bar none, Dave is absolutely the best that we have worked with. We recently refinanced and Dave gave us multiple options, was very creative and the result was better than we could have hoped for. I should also mention that we had talked with other lenders previously but none of them were able to put together the same package as Dave.
Not only did Dave deliver on the actual loan but he was always there to answer our questions, always on top of all the documentation (so we didn’t need to resubmit multiple times) and would follow up and call us to make sure that we were totally comfortable. My wife and I were both thinking «what’s the catch» but there was none! It was perfect!
My brother originally recommended Dave after his great experience and we have gone on to recommend him to my parents, my sister and everyone else we know who needs financing. Highly recommend Dave!
Thanks Dave!
Jarrod & Mary Cuzens

I’ve done a lot of loans in the past, and six or seven in the last seven years as I bought several investment properties plus sold my primary home and moved to Fallbrook earlier this year. The reason I mention this is because I am fully aware that the loan process has gotten more difficult since the real estate meltdown of 2008. Dave understands all the new rules and requirements that have come in to play during this time, and knows how to navigate these new rules to get your loan done on time and with the best possible rate. It’s always a headache going through the loan process wether you are purchasing or refinancing, and I can tell you that Dave was able to keep the hassle to a minimum. He will be our guy in the future when we need financing without hesitation.

We chose Dave from his 5 star Unilocal rating, and he is 5 stars for a reason. Emotions can be all over the place on a big life purchase like our first home, but Dave is always there ready to answer all our questions and set our expectations. Any time I got overwhelmed, suddenly the phone would ring and Dave had all the answers. Even during his vacations, he would still return emails or call very promptly. His kind of dedication and personal attention is rare in this often cold and corporate world. Thanks Dave! You made this way easier than it would have been without you!

I was shopping for mortgage companies like I’m sure most of you are if you are reading this. I came across Dave on Unilocal and I am sure glad I did. Dave not only took care of my loan but also recommended an awesome real estate agent which helped me find a home to begin with. I was a fist time home buyer through the VA and Dave walked me through the entire process always asking if I had any questions. I have to say that originally I thought that buying a home would be a daunting task but it turns out that if you have someone like Dave who knows what he is doing its rather quite seamless. I would recommend Dave to anyone.

My wife and I decided on Dave as our lender after reading several Unilocal reviews. As first time home buyers we were really not aware of how stressful the home buying process was. Choosing Dave was really one of the few things that went very well in our experience. He is extremely responsive by phone or email at pretty much all hours of the day to answer any questions that we had. He also has incredible support with his assistant Donna, who was equally as helpful and always made great effort to get our loan finalized ahead of schedule.
In short, Dave made buying a foreclosed property as pleasant as it could be. Not only did Dave get us the best rate in town, he even went above and beyond to check on the repairs schedule when I had trouble with our Realtor. If you are a first time home buyer or someone buying your 10^th house, you can not go wrong with Dave. My wife and I will recommend him to all of our friends and family for years to come, and use him when we decide to sell and re-​buy in a few years.