About Jay Penso

Jay Penso is a mortgage industry veteran with over 30 years of experience in the mortgage industry. After graduating from Baruch University School of Business with a Bachelor’s degree, Jay began helping countless families and individuals reach their home financing goals. He does this by offering borrowers the right financing options for their unique financial situations. Jay has assisted first-time homebuyers as well as Estate Mortgage planners with loan products that include:

  • Refinance loans
  • FHA and VA loans
  • Conventional loans
  • 203(k) Renovation loans
  • Jumbo loans

Jay is knowledgeable about every loan program he offers, and his approach is to listen to each customer so that he can get an overview of their long-term goals. Knowing this allows him to recommend the appropriate loan and guide them through the process — from start to finish. Jay prides himself on closing every purchase or refinance loan that he’s ever pre-approved and goes the extra mile for his customers to ensure that it happens. His extensive experience as a Residential Loan Originator, coupled with the thousands of loans he’s shepherded through to closing, assists him in overcoming almost any underwriting objections.

When he’s not helping customers secure the right loan, Jay spends his time boating, snow skiing, and jet skiing. Jay is a consultant for one of the country’s largest PWC Clubs, West Coast Watercraft Club. Some of those well-planned trips include the Colorado River, Lake Mead, Lake Powell and The Delta in NorCal. It is also worth noting that Jay is a consistent supporter of Children’s Hospital.

Contact Jay Penso today and put his experience and dedication to work for you.


What Our Customers Say About Me

Arsen K. Aug-20
“Jay Penso and his team were excellent in everyway. We had constant communication throughout the entire process which prevented suprises from ocurring. Both sides were always on top of what needed to be done to close the deal. Jay was extremely easy to talk to, always friendly, constantly thinking 2 steps ahead to minimize issues, and most importantly always picked up his phone. Thank You Jay and team for all your help and guidance during this process.”
Christobal M. Aug-20
“Jay Penso was a professional all the way through. He is very informative and extremely approachable. His flexible hours made it a lot easier for my wife and I to tend to things on a schedule that most fit our needs. We are greatly appreciative to Jay Penso for his patience and versatility. Thanks Jay!”
Kelly A. Aug-20
“Jay Penso is a Rock Star! He really worked hard for us and made the process smooth and efficient. Thank you Jay.”
Donald K. Jun-20
“Jay Penso is the most knowledgeable mortgage loan consultant I have worked with in the 33 years I have been a Realtor and buyer of homes. He was aware of my needs and notified me immediately of an opportunity to refinance at very favorable rate and terms. I look forward to working with Jay in the future for my own needs as well as those of my clients.”

Our Latest Thinking

We recognize this is a difficult time for many people. Click here or call 866-913-2951 for more information and to learn about current options available to our borrowers.