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

Eric M. Jan-22
“Jay, Erica, and Angelica were a great team to work with. All 3 answered my questions and were very quick to respond. They really went above and beyond. They made the home purchase process a breeze, even for a first time homebuyer. I would highly recommend the team to anyone in the future.”
Hila K. Jan-22
“Jay Penso is a true professional and extremely exceptional in all he does! Thank you for all of your work!”
Angelica S. Nov-21
“Jay Penso is a great person. He works very hard at making sure you get the best experience during the loan process. He and his team do a great job. I don't have the pleasure of meeting neither one in person, but I have spoken on the phone with all of them. They sound a wonderful people.”
Yolanda D. Sep-21
“He is a good business man, knowledgeable and looking out for the buyer interest, with these attributes put him on top of his game.”
Stephen J. Jul-21
“Jay Penso and Erica Lopez were very knowledgeable and very professional in every aspect of our transaction!”
Joseph J. May-21
“Jay was fantastic and would highly recommend him to anyone. He was stellar at communicating with me throughout the process, listening to my needs and issues and concerns, supporting me when my situation changed a few times, and gave great ideas for complex problems we were trying to solve. He was fantastic.”
Todd G. Apr-21
“Jay was exceptional to work with from beginning to end. Jay truly cared about completing the process for me and my family. He is very knowledgeable and a very hard worker who made sure we made it to closing. I would highly recommend him.”
Pedro F. Feb-21
“Writing from my new home... still wondering if it really happened. Thank you Jay and team for everything!”
Hugo P. Jan-21
“Jay Penso was the best! He helped my family so much. This case was by far very difficult to manage due to COVID but he got it done. I am very happy to have worked with him.”
Ron H. Jan-21
“I got to tell you Jay was awesome, this was my first purchase of the house. I did not know anything Jay was always there for me when I called or emailed. He always explained anything I had any questions.Personally I think he's underpaid I don't think I could've done it without him thank you and I told him thank you”
David S. Nov-20
“Jay Penso is prompt, professional, proactive, and productive to the pinnacle! It is a pleasure working with him - it is rare for me to work with someone even more dependable and responsive than I. I've worked with him before, and I would not hesitate to do so again. The only reason I clicked "5" on likelihood that I would use this company to buy or refinance again is that is the likelihood that I see myself ever buying or refinancing - anywhere.”
Cameron K. Oct-20
“Jay is great and always takes care of us!”
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.”

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