Kevin M. Pennington

Licensed Mortgage Broker | NMLS #1534892 | 🏆 Top Ranked Professional | 🏅 President's Club | Non-Profit Founder 🌍 🌱 | 🥡 Foodie | 🐶 Dog Lover | Apply Now ⬇️

[Kevin M. Pennington @KevinMPenn]

Buying a home is a milestone you shouldn’t have to tackle alone. 🤝🏡

We pride ourselves on being true partners—handling the communication, finding the best rates, and keeping things fast. ⚡️

Ready for a white-glove experience? 🥂

#RealEstate #MortgageBroker #PenningtonLending

[Kevin M. Pennington @KevinMPenn]

Ever wonder why it's called a "Mortgage"? 🧐

It comes from Old French "mort gaige," meaning "dead pledge." 💀🏡

The deal only "died" when: ✅ Paid in full ❌ The house was lost.

Our goal? Helping you reach that first milestone smoothly. 🥂
#MortgageFacts #RealEstate

[Kevin M. Pennington @KevinMPenn]

Proud to be recognized as a 2026 National Top Producer by @NatMortgageNews! 🏆 Ranking #219 in the nation is a testament to the trust my clients in Washington put in me every day. Let’s keep crushing it. 🚀 #MortgageBroker

https://t.co/M0HkyFNSuB

[Kevin M. Pennington @KevinMPenn]

Clean Sweep for Pennington Lending! 🏆

🥇 Gold Producer - Volume
🥇 Gold Producer - Units
⭐ Most Reviewed

Grateful for my Washington clients and partners who trust us to model their mortgage strategy every day. Let’s keep winning in 2026.
#Bothell #RealEstate

[Kevin M. Pennington @KevinMPenn]

Most homeowners pay for "security" they don’t actually need. 📉

Modern ARMs have strict "Caps" (legal speed limits) on rate moves. If your residency plan is 5-10 years, the math might surprise you.

Check out my new ARM vs. Fixed guide: https://t.co/M61oeJ5Z42 #MortgageStrategy

[Kevin M. Pennington @KevinMPenn]

📍 Buying a home in Washington?

The WA State Bond Program isn't just for first-timers.

✅ Up to 5% DPA at 0% Interest
✅ Conventional & FHA compatible
✅ Income limits up to $215k

I've simplified the 2026 requirements for you here:

https://t.co/bsfMnvwneG

#WABondProgram

[Kevin M. Pennington @KevinMPenn]

Honored to be named a 2026 @HousingWire Rising Star! In this market, success isn't about being the loudest—it's about being the most consistent for your clients.

Read the full profile and my interview on why consistency is the ultimate habit:

[Link:] https://t.co/OBGMKfigbJ

[Kevin M. Pennington @KevinMPenn]

Proud to be officially a Certified FHA Mortgage Professional (CFMP)! 🏠🎓

My goal: provide the highest level of expertise to my #Bothell & WA clients. This means navigating FHA guidelines with even more precision. Let’s get you home!

#Mortgage #CFMP #NMLS1534892

[Kevin M. Pennington @KevinMPenn]

Waiting for the "perfect" market? 📉 It might be costing you more than you think. As home prices rise, so does the equity you could be building right now. 🏠💰

Don’t miss out on your financial future—let’s chat options today.

#homebuyers #mortgage #realestate #equity

[Kevin M. Pennington @KevinMPenn]

To lead in this industry, you have to be involved. By partnering with the MAA, we ensure we have a direct voice in the legislative process, helping to build a more stable and accessible housing market. 📈💼 #Homeownership #MAAMember #RealEstateFinance

[Kevin M. Pennington @KevinMPenn]

Honored to be a 2025 Rocket Pro Fastest Clear to Close Loan Officer! 🏆🚀

In this market, speed is everything. We’re getting clients into dream homes with industry-leading efficiency. 🏠⏱️

Thanks to our clients for the trust! 🤝✨

#Mortgage #HomeLoans #RocketPro #FastClose

[Kevin M. Pennington @KevinMPenn]

Core PCE, the Fed’s favorite inflation measure, rose 0.4% in January, bringing the annual rate to 3.1%, a bit higher than expected. #pce #inflation #mbshighway #mbssocialshare #mortgagemarketnews #mortgageintheknow

[Kevin M. Pennington @KevinMPenn]

Big news for the Bothell community! 🏠 Pennington Lending Services is officially @BBB_Northwest Accredited.

With 265+ five-star reviews and a commitment to total transparency, we’re proud to be a trusted resource for Washington homeowners. 🌲🏆

#Bothell #MortgageBroker #PNW

[Kevin M. Pennington @KevinMPenn]

🏆 Honored to make the @ScotsmanGuide Top Emerging Stars list for 2026. A massive thank you to my clients for making this possible—helping you get into your dream homes is the real reward. 🏡✨ #MortgageExpert #Winning #ScotsmanGuide2026

[Kevin M. Pennington @KevinMPenn]

1930s: 50% down + 10yr terms. 📉 Today: 3.5% down + 30yr terms. 📈
The FHA changed the game for the American Dream. Don't let the "old way" of thinking about down payments stop you from buying today.

DM for modern options! 📩 #Lending #HomeBuying

[Kevin M. Pennington @KevinMPenn]

Consistency is key. 🔑

Honored to be recognized as a Five Star Mortgage Professional for the 4th year running (2022-2025). Huge thanks to my clients and partners!

Who’s ready to see what we can do in 2026? 🥂✨ #MortgageExpert #WashingtonRealEstate #FiveStarProfessional

[Kevin M. Pennington @KevinMPenn]

🚨 HUGE WIN for Homebuyers! The federal Trigger Lead Ban is now law as of today, March 5, 2026! 🏠✅

No more 100+ "junk" calls & texts within hours of applying for a mortgage. Your data can no longer be sold to lenders you don't know. 🚫📞

#Mortgage #Privacy #HomeBuying

[Kevin M. Pennington @KevinMPenn]

Proud to have surpassed 265 five-star reviews across Google, Zillow, and Yelp! ⭐⭐⭐⭐⭐

Providing the Bothell community with award-winning service is my top priority. Whether you're looking for a VA loan or a refinance, you're in good hands.

#Bothell #Mortgage #VALoans

[Kevin M. Pennington @KevinMPenn]

📷 BIG NEWS & VERY GRATEFUL 📷
I’m excited to share that I’ve been named one of NAMB’s 2025 Mortgage Brokers of the Year 📷