Josh Penland

With more than 23 years of mortgage lending experience and over $1 billion in personal mortgage production, Josh Penland has built his career helping thousands of families achieve homeownership, build wealth through real estate, and make confident financial decisions. As Branch Manager and Senior Loan Officer with Fairway Home Mortgage, Josh leads The Penland Team, an experienced mortgage team serving Austin, Round Rock, Georgetown, Cedar Park, Leander, San Antonio, Houston, and clients throughout Texas and other licensed states. Josh and his team typically close approximately $90 million plus in mortgage volume annually, combining personalized service with the resources of one of the nation's leading mortgage lenders.

Experience You Can Trust

Josh has been recognized as a Top 1% Mortgage Originator nationally by Scotsman Guide for more than a decade, an Austin Business Journal Top Mortgage Producer since 2007, and a Five Star Mortgage Professional in Texas for more than a decade. The Penland Team has also earned hundreds of five-star client reviews across Google, Zillow, Experience.com, and other review platforms.

Mortgage Solutions Built Around You
Josh specializes in helping first-time homebuyers, move-up buyers, jumbo and luxury homebuyers, self-employed borrowers, veterans, and real estate investors. From conventional, FHA, and VA loans to jumbo, bank statement, non-QM, DSCR, second-home, and short-term rental financing, Josh and his team help clients navigate both straightforward purchases and complex financing scenarios. The goal isn't simply to get a loan approved. It's to find the right mortgage strategy for each client's financial goals.

What Makes The Penland Team Different?
The Penland Team believes a great mortgage experience starts with preparation, communication, and execution. Clients benefit from experienced loan professionals, pre-underwritten approvals when available, proactive weekly updates, local appraisal expertise, streamlined digital closings, and a commitment to closing on time.

With Fairway's table-funding capabilities, many buyers can receive their keys immediately after signing and funding, without unnecessary delays.
Another important advantage is Fairway's servicing model. Approximately 95% of loans originated through Fairway continue to be serviced by Fairway, helping provide continuity after closing, although servicing may be transferred.

More Than a Mortgage. A Long-Term Relationship.

Josh has built his business on a simple philosophy: provide honest advice, communicate clearly, deliver on commitments, and always put the client's best interests first. Whether you're purchasing your first home, moving into your next one, investing in real estate, or exploring refinancing opportunities, Josh and The Penland Team are committed to making the mortgage process clear, efficient, and as stress-free as possible.