The Penland Team NMLS #216357

06/12/2026

Deciding between FHA and Conventional loans? The answer depends on your credit score, down payment, and long-term goals.

This article breaks down the key differences between the two most popular loan programs, including credit requirements, mortgage insurance, debt-to-income flexibility, and Texas down payment assistance options.

If you're thinking about buying a home in Central Texas, this guide can help you determine which loan may be the best fit for you.

The Penland Team NMLS #216357

Deciding between FHA and Conventional loans? Josh Penland breaks down credit scores, down payments, and assistance for Austin and Central Texas homebuyers.

06/03/2026

We're Growing!!! And So Is Our Commitment to You

One of the biggest reasons we've been able to help over 9,000 families over the past 23+ years is simple:

We don't do this alone.

Behind every smooth closing is a team of experienced professionals working hard to make sure our clients, Realtors, builders, and referral partners have a great experience from application to closing day.

As our business continues to grow, we've recently updated roles and responsibilities across The Penland Team to better serve our clients and keep delivering the level of communication and service we're known for.

Meet the team that helps make it all happen:

• Josh Penland - Branch Manager & Sr Loan Officer
• Pat Odom - Sales & Operations Manager
• Allison Kibler - Lead Loan Associate
• Nellie Williams - Senior Loan Processor
• Lauren Martinez - Loan Processor
• Brenda Goocher - Client Experience Coordinator

Together, our team brings over 130 years of combined mortgage experience and a shared commitment to one goal:

Closing loans on time with no surprises.

Thank you to our clients and referral partners for trusting us with one of the biggest financial decisions of your lives. We don't take that responsibility lightly.

If you have questions about buying, refinancing, investing, or just want a second opinion on your mortgage options, we're here to help.

https://myoc.io/undn7

06/01/2026

5.0 star review received on Experience.com for Josh Penland by John B - Josh did a great job staying on top of things, and checking with the team to make sure things were on track. He was always available to discuss my concerns, and things went according to schedule, while any last minute problems were immediately addressed. I would definitely recommend Josh to anyone.

Click to see all 540 reviews of The Penland Team at Fairway Independent Mortgage Company, Branch Manager | NMLS # 216357

05/29/2026

5.0 star review received on Experience.com for Josh Penland by Mikaela T - Extremely communicative and on top of things

Click to see all 538 reviews of The Penland Team at Fairway Independent Mortgage Company, Branch Manager | NMLS # 216357

05/28/2026

Planning a move this year? The best time to prepare is before you find the perfect home.

A strong game plan can help you:

• Understand your true buying power
• Structure the right loan for your goals
• Know the full monthly payment upfront
• Move quickly in a competitive market
• Avoid surprises during the process

Our team is here to make the financing side simple, clear, and stress-free from start to finish.

If you’re thinking about buying this summer, let’s put together a plan so you’re ready when the right home appears.

https://myoc.io/undn7

05/28/2026

5.0 star review received on Experience.com for Josh Penland by Andrew T - Josh was always available to answer questions and guide us along the way. He and his team were incredibly personable and helped us out immensely as it was our first time purchasing a home. Would certainly recommend!

Click to see all 536 reviews of The Penland Team at Fairway Independent Mortgage Company, Branch Manager | NMLS # 216357

05/25/2026

https://myoc.io/undn7