Todd Pennington, Vice President

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United States
Delaware, OH
Todd Pennington, Vice President

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

10/31/2026

The housing market might have a few spooky surprises, but navigating your mortgage doesn't have to feel like a trip through a haunted house! 👻🏡 I'll help you make sense of your financing options, understand your buying power, and create a plan that fits your budget. Ready to stop being haunted by the what-ifs? Send me a message and let's get your homeownership journey started! 🦇

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

10/31/2026

The mortgage market doesn’t have to send shivers down your spine! 👻 I’ll guide you through every step so there are no spooky surprises along the way. 🏡✨ From preapproval to closing, I’ll help you find a loan that fits just right—no tricks, only treats. Ready to make your homeownership dreams come alive? 🎃

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

10/30/2026

🍁 Fall Back, Move Forward! 🍁

Don't forget to turn your clocks back one hour this Sunday, November 1. While you're gaining an extra hour, why not spend a few minutes reviewing your homeownership goals?

Whether you're buying, refinancing, or just exploring your options, I'd love to help.

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

10/29/2026

Thinking about buying a home?

Your cat already is. 🐱

✔️ More windows for bird watching
✔️ More space for zoomies
✔️ More sunny spots for naps

If a new home is on your wish list (and your cat's), let's make it happen together!

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

10/28/2026

🐪 DO YOU KNOW WHAT DAY IT IS?!

It's HUMP DAY! 🎉

You know what else gets you over the hump?

✅ Getting pre-approved before house hunting.

Knowing your budget upfront can make your homebuying journey a whole lot smoother!

Ready to get over the mortgage hump? Let's talk. 🏡

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

10/25/2026

When it comes to mortgages, there’s no one-size-fits-all solution. 🏡 Different loan options are designed to fit different financial goals, timelines, and comfort levels. Understanding how each type of mortgage works can help you choose the option that makes the most sense for your unique situation. If you're not sure which loan program may be the best fit for you, send me a message and let's talk through your options!

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

10/24/2026

What's your dream home style: Ranch, Traditional, Modern, or Farmhouse? Vote in the comments.

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

10/23/2026

When it comes to locking in the right mortgage, I hustle hard to make sure you get the best deal. From preapproval to closing day, I’ll guide you every step of the way. Let’s make homeownership happen.

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

10/22/2026

Today is Make a Difference Day. How do you give back to your community? Share below 👇

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

10/21/2026

Did you know homeownership remains one of the most common ways families build wealth? Learn how to begin your journey.

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

Address

Delaware, OH

Website

https://my.fcmloans4u.com/dr/c/acrkk

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