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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.
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.
On 02/25/2026 at 2:00 pm
Don't miss our Real Estate Realities: Relationships Over Transactions live webinar! Most agents burn out chasing the next deal. But the ones who thrive? They build relationships that keep business coming to them. If you’ve ever felt like your follow-up game needs more follow-through, this one's for you! See you there