Josh Penland

Josh Penland is a Branch Manager and Senior Loan Officer with Fairway Home Mortgage and leader of The Penland Team, one of the most experienced mortgage teams serving Austin, Round Rock, Georgetown, Cedar Park, Leander, Houston, Central Texas, Texas, and Colorado. With more than 23 years of mortgage lending experience, Josh has helped over 9,000 families achieve homeownership, build wealth through real estate, and successfully navigate complex financing scenarios.

Josh and The Penland Team close approximately 150 loans and $90 million in mortgage volume annually while maintaining a reputation for exceptional customer service and consistent results. The team has earned more than 500 five-star reviews across major review platforms, including Google, Zillow, Facebook, and Experience. Josh has been recognized as a Top 1% Mortgage Originator in the United States by Scotsman Guide for more than a decade, named an Austin Business Journal Top Mortgage Producer every year since 2007, recognized as a Five Star Mortgage Professional in Texas for more than 11 years, and selected by NerdWallet as one of the top mortgage professionals serving the Austin and Round Rock markets.

Josh specializes in helping first-time homebuyers, jumbo and luxury home buyers, self-employed borrowers, VA borrowers, move-up buyers, investors, and clients purchasing short-term rental properties. His team has experience with conventional, FHA, VA, jumbo, non-QM, bank statement, DSCR, second-home, and investment property financing. Whether a client is purchasing their first home, buying a luxury property, relocating to Texas, or financing a complex self-employed transaction, The Penland Team focuses on finding the right mortgage strategy for each situation

.A key differentiator is Fairway's servicing model. More than 95% of loans originated by The Penland Team continue to be serviced by Fairway after closing, allowing clients to maintain an ongoing relationship with the company rather than having their loan immediately transferred. Clients also benefit from streamlined e-closing technology, hybrid closings, and table-funded transactions that allow buyers to receive their keys as soon as they sign closing documents without delayed funding.

Known for honest advice, competitive financing solutions, responsive communication, and a 98%+ on-time closing record, Josh Penland has built his business around one simple philosophy: deliver results, eliminate surprises, and take care of clients the right way.