Josh Pennebaker

Hello! I’m Josh Pennebaker, a dedicated mortgage professional with 9 years of experience in helping individuals and families achieve their dream of homeownership. At Hometown Mortgage, based right here in Kansas City, I take immense pride in treating my clients like family, ensuring you feel supported and informed every step of the way.

My journey in the mortgage industry has been driven by a passion for financial empowerment and a commitment to exceptional customer service. Whether you’re a first-time homebuyer or looking to invest in property, I am here to guide you through the process with personalized advice tailored to your unique financial situation.

Why Choose Me?

With nearly a decade of experience in the mortgage industry, I have honed my skills and knowledge to provide you with the best possible service. Here’s why choosing me can make a difference:

  1. Expertise and Knowledge: My extensive experience has equipped me with a deep understanding of various mortgage products and the intricacies of the home buying process. I’ll help you navigate through the options to find the best fit for your needs.
  2. Personalized Service: At Hometown Mortgage, we believe in a personalized approach. I take the time to understand your financial goals and work closely with you to create a plan that aligns with your needs.
  3. Strong Relationships: Over the years, I have built strong relationships with realtors, appraisers, and underwriters. This network allows me to streamline the mortgage process and provide you with a seamless experience.
  4. Commitment to Customer Satisfaction: Your satisfaction is my top priority. I am dedicated to providing clear communication, prompt responses, and ongoing support to ensure a smooth and stress-free mortgage journey.

Passion for First-Time Home Buyers

Working with first-time home buyers is a particular passion of mine. There’s something incredibly rewarding about helping someone purchase their first home and witnessing the excitement and joy it brings. I understand that the process can be overwhelming, and I’m here to make it as simple and stress-free as possible.

I believe in education and empowerment. I’ll take the time to explain each step, answer all your questions, and provide the guidance you need to make informed decisions. My goal is to make your first home buying experience not just successful, but also enjoyable.

Faith, family, relationships, and finance are the principals that lead my business and personal life!  Mortgages aren’t a one-size fits all solution.  Our goal is to serve and advise you based on your specific goals and circumstances, and we build custom mortgage plans that aim to match them the best way we can.  We invite you to get preapproved with us, consult with us, and ultimately close your next mortgage with us.  At the end of the day, we know it’s the relationships we build along the way that mean the most.  We help finance the purchase and refinance of primary residences, second homes, vacation homes, and investment properties.  We also specialize in bridge loans, land loans, HELOC’s, new construction, renovation loans, conventional, FHA, VA, and USDA.

I became a Mortgage Loan Originator in 2017, after spending 7 years as an elementary school teacher in Wilmington, NC. Now living with my family in Northern Virginia, I work with all types of homebuyers, including Veterans, government employees, teachers, medical professionals, and more. Northern Virginia encompasses a huge variety of homebuyers, with more and more people moving here every day, excited for all the NoVa economy has to offer. Married to a Veteran, I have both personal and professional experience with VA home loans, and love getting to help Veterans become homeowners in my area. I hope to be part of your next homebuying story!

Here to Help with all Your Mortgage Needs! I’m a phone call away. Reach via Phone, Email, or Apply Directly through My Site. Apply Now!