Ready to buy your dream home? Start your purchase journey today with competitive rates and expert guidance.
Lower your monthly payments or access your home equity with our refinancing options.
Access calculators, guides, and tools to help you make informed mortgage decisions.
Learn more about our company, explore career opportunities, and discover our impact on the mortgage industry.
10 Plays to Buy & Sell In a Competitive Market
5 Plays to Re-Engage Your Database & Stand Out
Proudly serving clients across New York, Florida, North Carolina and South Carolina.
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
hola mi nonbre es ernesto y estoy muy ah gradesido primera mende con Dios porque eh cumplido el sue ha me ricano des pues de casi 25 añon en us Dios me permito con prar casa y estoy muy ah gradesido con lina pena porque ah sido una persona muy ah mable no tengo como ah gradeser todo lo que ... Ernesto Adalberto Rocky Point, NY March 27 Rating: 5.0 out of 5.0 from Encompass
hola mi nonbre es ernesto y estoy muy ah gradesido primera mende con Dios porque eh cumplido el sue ha me ricano des pues de casi 25 añon en us Dios me permito con prar casa y estoy muy ah gradesido con lina pena porque ah sido una persona muy ah mable no tengo como ah gradeser todo lo que ...
Muy buen servicio y la atención excelente Alvaro N. Hempstead, NY March 17 Rating: 5.0 out of 5.0 from Encompass
Muy buen servicio y la atención excelente
everything this day is digital , maybe make the process of paperwok easier by accepting screen shots of documents. Angel Miramar, FL September 22 Rating: 4.7 out of 5.0 from Encompass
everything this day is digital , maybe make the process of paperwok easier by accepting screen shots of documents.
I had an amazing experience working with Lina Pena. I was comparing rates with several other lenders, and she was able to secure the absolute best rate for me. She was professional, knowledgeable, and always quick to answer my questions. The process was smooth from start to finish, and I truly felt she had my best interest in mind. Highly recommend... Cristian C Clover, SC August 17 Rating: 5.0 out of 5.0 from Encompass
I had an amazing experience working with Lina Pena. I was comparing rates with several other lenders, and she was able to secure the absolute best rate for me. She was professional, knowledgeable, and always quick to answer my questions. The process was smooth from start to finish, and I truly felt she had my best interest in mind. Highly recommend...
Excellent customer service, exceeded my expectations. Always answered all my questions and concerns. Lina Peña is a very professional loan officer and knowledgeable. I will recommend her to all my family and friends. SHEILA P BAY SHORE, NY August 14 Rating: 5.0 out of 5.0 from Encompass
Excellent customer service, exceeded my expectations. Always answered all my questions and concerns. Lina Peña is a very professional loan officer and knowledgeable. I will recommend her to all my family and friends.
Lina Pena is what I would say made it great. She is one of the best, I never went a day having to worry or concerned about what was happening. She was actually more than just a loan officer to me she was a friend I felt comfortable and I was able to voice to her more than just anything that I needed to say. I want to say thank you for the great tea... DENELL SHIRLEY, NY August 14 Rating: 5.0 out of 5.0 from Encompass
Lina Pena is what I would say made it great. She is one of the best, I never went a day having to worry or concerned about what was happening. She was actually more than just a loan officer to me she was a friend I felt comfortable and I was able to voice to her more than just anything that I needed to say. I want to say thank you for the great tea...
Words can't explain how great you guys are 🙂 ANDREW SHIRLEY, NY August 14 Rating: 5.0 out of 5.0 from Encompass
Words can't explain how great you guys are 🙂
you guys are so helpful, we have a such a nice experience. ALVA Y CARMEL, NY August 14 Rating: 5.0 out of 5.0 from Encompass
you guys are so helpful, we have a such a nice experience.
As a first time home buyers, I had a lot of questions and concerns, but Lina always find a way of answering all my questions and walked me through the process. I am more than happy with the service she provided. JEAN LUIS FREEPORT, NY August 14 Rating: 5.0 out of 5.0 from Encompass
As a first time home buyers, I had a lot of questions and concerns, but Lina always find a way of answering all my questions and walked me through the process. I am more than happy with the service she provided.
Always the best! FRANKY S HOLLYWOOD, FL August 14 Rating: 5.0 out of 5.0 from Encompass
Always the best!
Lina is very professional, patient and motivating to make the dream of buying a house come true. She was with us in the mortgage process, explaining everything step by step, she answered all our questions, we are very happy to have had Lina to make this dream come true, thank you very much Lina Peña, Jhon y Sandra JHON F ROCKY POINT, NY August 14 Rating: 5.0 out of 5.0 from Encompass
Lina is very professional, patient and motivating to make the dream of buying a house come true. She was with us in the mortgage process, explaining everything step by step, she answered all our questions, we are very happy to have had Lina to make this dream come true, thank you very much Lina Peña, Jhon y Sandra
Lina was very patient with us and explained the process thoroughly. HENRY A DEER PARK, NY August 14 Rating: 5.0 out of 5.0 from Encompass
Lina was very patient with us and explained the process thoroughly.