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Proudly serving clients across New York, Florida, North Carolina, Pennsylvania and South Carolina.
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Rating: 5.0 out of 5.0 from Encompass good service and attention Rafael AlbertoHazle Township, PA Aug 16
good service and attention
Rating: 5.0 out of 5.0 from Encompass Lina is always providing updates about the borrowers conditions and its available to answer any questions and Always closes my loans on time. Enyely OrlandoHazle Township, PA Aug 15
Lina is always providing updates about the borrowers conditions and its available to answer any questions and Always closes my loans on time.
Rating: 5.0 out of 5.0 from Encompass Lina is an excellent professional. She’s always willing to answer questions and provide 100% support throughout the entire process, from start to finish. She was always available to answer our questions and give us the support we needed in every aspect. She goes out of her way to ensure her clients are satisfied and understand the processes invol... Maria LauraDavie, FL Aug 03
Lina is an excellent professional. She’s always willing to answer questions and provide 100% support throughout the entire process, from start to finish. She was always available to answer our questions and give us the support we needed in every aspect. She goes out of her way to ensure her clients are satisfied and understand the processes invol...
Rating: 5.0 out of 5.0 from Encompass Super profecional muy satisfecho, una gran experiencia, may Feliz 👏 Luis FelipeSunrise, FL Jul 21
Super profecional muy satisfecho, una gran experiencia, may Feliz 👏
Rating: 5.0 out of 5.0 from Encompass Siempre estaban dispuestos ayudar en todo el proceso Rene A.Westbury, NY May 18
Siempre estaban dispuestos ayudar en todo el proceso
Rating: 5.0 out of 5.0 from Encompass my experience will Lina Pena was the best I will recommend and look for her again 🤗 Karent SHialeah, FL Apr 30
my experience will Lina Pena was the best I will recommend and look for her again 🤗
Rating: 4.8 out of 5.0 from Encompass The quick response to my questions. AdrianoBronx, NY Apr 27
The quick response to my questions.
Rating: 5.0 out of 5.0 from Encompass Lina made the experience great with her professionalism, responsiveness, and attention to detail. She was very helpful throughout the process and ensured everything was handled smoothly from start to finish. Carlos ARidge, NY Apr 13
Lina made the experience great with her professionalism, responsiveness, and attention to detail. She was very helpful throughout the process and ensured everything was handled smoothly from start to finish.
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 ... Ernesto AdalbertoRocky Point, NY Apr 06
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 ...
Rating: 5.0 out of 5.0 from write_review Lina was absolutely outstanding throughout the entire loan process. She worked incredibly hard, remained highly professional at all times, and was always willing to help whenever questions or concerns came up. Her responsiveness and attention to detail made the entire experience smooth and stress-free. She truly went above and beyond to ensure ever... Carlos Apr 02
Lina was absolutely outstanding throughout the entire loan process. She worked incredibly hard, remained highly professional at all times, and was always willing to help whenever questions or concerns came up. Her responsiveness and attention to detail made the entire experience smooth and stress-free. She truly went above and beyond to ensure ever...
Rating: 5.0 out of 5.0 from Encompass Muy buen servicio y la atención excelente Alvaro N.Hempstead, NY Mar 17
Muy buen servicio y la atención excelente
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. AngelMiramar, FL Sep 22
everything this day is digital , maybe make the process of paperwok easier by accepting screen shots of documents.
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... Cristian CClover, SC Aug 17
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...
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. SHEILA PBAY SHORE, NY Aug 14
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.
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... DENELLSHIRLEY, NY Aug 14
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...
Rating: 5.0 out of 5.0 from Encompass Words can't explain how great you guys are 🙂 ANDREWSHIRLEY, NY Aug 14
Words can't explain how great you guys are 🙂
Rating: 5.0 out of 5.0 from Encompass you guys are so helpful, we have a such a nice experience. ALVA YCARMEL, NY Aug 14
you guys are so helpful, we have a such a nice experience.
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. JEAN LUISFREEPORT, NY Aug 14
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.
Rating: 5.0 out of 5.0 from Encompass Always the best! FRANKY SHOLLYWOOD, FL Aug 14
Always the best!
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 JHON FROCKY POINT, NY Aug 14
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
Rating: 5.0 out of 5.0 from Encompass Lina was very patient with us and explained the process thoroughly. HENRY ADEER PARK, NY Aug 14
Lina was very patient with us and explained the process thoroughly.
Rating: 5.0 out of 5.0 from Encompass Estamos muy agradecidos con Linna, fue muy atenta, nos gustó mucho trabajar con ella porque siempre nos daba la mejor opción y estuvo dispuesta a ayudar. Totalmente recomendada. WILSON A.FAR ROCKAWAY, NY Aug 14
Estamos muy agradecidos con Linna, fue muy atenta, nos gustó mucho trabajar con ella porque siempre nos daba la mejor opción y estuvo dispuesta a ayudar. Totalmente recomendada.
Rating: 5.0 out of 5.0 from Encompass The loan process was simple and not overcomplicated. Lina did a great job helping me along the way. THOMASSMITHTOWN, NY Aug 14
The loan process was simple and not overcomplicated. Lina did a great job helping me along the way.
Rating: 5.0 out of 5.0 from Encompass Lina was a great person and very helpful during our homebuying process. She was always available to answer any of our questions or concerns. She would always keep us updated and explain the processes that were taking place. She would solve any confusions and make sure that we understood how our loan application was progressing. We are very grateful... GERARDOWYANDANCH, NY Aug 14
Lina was a great person and very helpful during our homebuying process. She was always available to answer any of our questions or concerns. She would always keep us updated and explain the processes that were taking place. She would solve any confusions and make sure that we understood how our loan application was progressing. We are very grateful...
Rating: 5.0 out of 5.0 from Encompass Lina was an absolute pleasure to work with during my house buying process. I was very lucky to have her because not only she was able to assist with her unique expertise but also answer every question I had at any time of the day and even on the weekends! Closing day was a bliss after all of her help answer my questions and as a first time home own... NIDIA VCHARLOTTE, NC Aug 14
Lina was an absolute pleasure to work with during my house buying process. I was very lucky to have her because not only she was able to assist with her unique expertise but also answer every question I had at any time of the day and even on the weekends! Closing day was a bliss after all of her help answer my questions and as a first time home own...