Todd Pennington, Vice President

Todd Pennington, Vice President Vice President
NMLS #728818
1st Community Mortgage, A Division of First National Bank Texas
NMLS #402924

If homeownership is on your horizon, getting preapproved is one of the best ways to set yourself up for success. šŸš¤šŸ” It g...
08/28/2026

If homeownership is on your horizon, getting preapproved is one of the best ways to set yourself up for success. šŸš¤šŸ” It gives you a clear understanding of your budget and helps you shop with confidence when the right home comes along. Plus, sellers often take preapproved buyers more seriously in a competitive market. Ready to get started? Reach out today, and let's help you navigate the path to your next home!



All loans subject to credit approval | First National Bank Texas | NMLS # 402924 | Member FDIC | Equal Housing Lender

Buying your dream home is excitingā€”but getting the best possible price can make an even bigger impact on your long-term ...
08/27/2026

Buying your dream home is excitingā€”but getting the best possible price can make an even bigger impact on your long-term finances. šŸ” The right offer strategy, paired with smart financing, can help you maximize your buying power and keep your monthly payment in line with your goals. Knowing when opportunities exist in the market is key to making a confident move. If youā€™re ready to buy and want guidance on both price and financing, send me a message and letā€™s connect!



All loans subject to credit approval | First National Bank Texas | NMLS # 402924 | Member FDIC | Equal Housing Lender

Knowing what needs to get done before a closing can be a lot and you will probably have a lot of questions, but ya know ...
08/27/2026

Knowing what needs to get done before a closing can be a lot and you will probably have a lot of questions, but ya know what? I have a lot of answers and I'm here to help.



All loans subject to credit approval | First National Bank Texas | NMLS # 402924 | Member FDIC | Equal Housing Lender

The key to a smooth homebuying experience? Working with the right peopleā€”and Iā€™ve got connections you can count on! šŸ”‘ Iā€™...
08/26/2026

The key to a smooth homebuying experience? Working with the right peopleā€”and Iā€™ve got connections you can count on! šŸ”‘ Iā€™ll help you build the perfect team. Together, weā€™ll make your path to homeownership a whole lot easier (and less stressful). Ready to get started? Letā€™s chat!



All loans subject to credit approval | First National Bank Texas | NMLS # 402924 | Member FDIC | Equal Housing Lender

The final stretch of the homebuying process is exciting, and staying organized can help everything go as smoothly as pos...
08/26/2026

The final stretch of the homebuying process is exciting, and staying organized can help everything go as smoothly as possible. šŸ” Small details and timely communication can make a big difference as you get closer to closing day. If something doesn't make sense, never hesitate to ask questionsā€”I'm here to make sure you feel informed and confident every step of the way. If you're getting ready to buy a home, send me a message and let's make your path to closing as stress-free as possible.



All loans subject to credit approval | First National Bank Texas | NMLS # 402924 | Member FDIC | Equal Housing Lender

08/26/2026

Every tail wag tells a story of loyalty, love, and unconditional friendship. Today we celebrate the furry companions who make our days brighter, our hearts fuller, and our lives better. Happy National Dog Day to all the pups who bring endless joy and love! ā¤ļøšŸ¶

#šŸ¾šŸ’•

All loans subject to credit approval | First National Bank Texas | NMLS # 402924 | Member FDIC | Equal Housing Lender

Loans are not a one size fits all solution. Different loans have different benefits and unique requirements, including y...
08/25/2026

Loans are not a one size fits all solution. Different loans have different benefits and unique requirements, including your credit score. I'm here to help you understand your options. You will decide what loan works for you. Have questions? I have answers.



All loans subject to credit approval | First National Bank Texas | NMLS # 402924 | Member FDIC | Equal Housing Lender

08/25/2026

For Home Financing purposes, we rely on credit scores to help approve a client for their new home. Historically, the Classic FICO score has been the ā€œgo-toā€ score for lenders, but that is changing! The agencies have determined that there is more to a personā€™s credit than just those accounts traditionally reported to the bureaus, such as car loans, credit cards, and mortgages. Items such as rent, utilities, cell phone, and other monthly bills also demonstrate a Borrowerā€™s ability to repay debt. So starting next year, lenders will be using a new credit score model that factors in a more complete credit picture of the Borrower. Thatā€™s great news for many! If you would like to know more, please let me know and Iā€™m happy to share the details!



All loans subject to credit approval | First National Bank Texas | NMLS # 402924 | Member FDIC | Equal Housing Lender

Looking for ways to cut down on your expenses and stay cool this summer? šŸ˜ŽšŸ”‹ Make simple household changes that will help...
08/24/2026

Looking for ways to cut down on your expenses and stay cool this summer? šŸ˜ŽšŸ”‹ Make simple household changes that will help you save money and energy while keeping your home comfortable!



All loans subject to credit approval | First National Bank Texas | NMLS # 402924 | Member FDIC | Equal Housing Lender

All loans subject to credit approval | First National Bank Texas | NMLS # 402924 | Member...
08/24/2026



All loans subject to credit approval | First National Bank Texas | NMLS # 402924 | Member FDIC | Equal Housing Lender

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Delaware, OH

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