Zach H.
9/2/2025
This was only my second personal home purchase and I wasn't sure where to go... Dave and his team left have left me with no doubt on any future home loans I might pursue. Attention to detail,...
CrossCountry Mortgage, LLC - Dave Pennington
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322 Encinitas Blvd Ste 170
Encinitas, CA 92024
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
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5.0369 reviews
Tyler B.
10/30/2025
Dave is an amazing lender with not only competitive rates, but an experience, Knowledge base, and systematic but creative approach that allows his clients to be best positioned for success. His...
Summer F.
10/30/2025
We've had the pleasure of working with Dave Pennington at Cross Country Mortgage on multiple transactions, and he is always a fantastic partner. Dave is attentive to his clients' needs,...
Carla P.
10/30/2025
Dave is the kind of lender you hope to find but rarely do. He's incredibly smart, organized, and communicates with clarity and care. His rates are competitive, but it's his deep market knowledge...
Eric B.
8/20/2025
Dave has made my entire refinance process seamless and stress-free. Friendly, knowledgeable, competent, communicative. I couldn't ask for anything more!
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