The Penland Team at Fairway Independent Mortgage Company

The Penland Team at Fairway Independent Mortgage Company, led by Josh Penland, is a mortgage brokerage with over 23 years of experience and 130+ combined years of team expertise. They have helped more than 9,000 homeowners, investors, real estate professionals, and builders secure financing through access to over 150 lenders and 2,000+ loan products. The team specializes in conventional loans, FHA, VA, USDA, jumbo financing, construction loans, refinancing, and first-time buyer programs, with particular expertise in complex scenarios, investment properties, short-term rentals, and self-employed borrowers. Known for guaranteed on-time closings, transparent communication, and problem-solving that saves deals other lenders won't take, they maintain a 40% first-time buyer client base and are recognized as a Top 1% Loan Originator nationally.