Kelly Pennington Mortgage Loan Officer NMLS 1526880

Kelly Pennington Mortgage Loan Officer NMLS 1526880 Kindness is Contagious! ©2021 Kind Lending, LLC. 4 Hutton Centre Drive, Suite 1000, Santa Ana, CA 92707. All Rights Reserved. Dutton Ave.

NMLS #3925 www.nmlsconsumeraccess.org. Equal housing lender Equal opportunity Employer Kelly Pennington, NMLS # 1526880, 1260 N. STE 205 Santa Rosa CA 95401, Branch NMLS #2127329, 707.888.5651, Licensed In CA, Link here for corporate licensing: https://kindlending.com/legal/licensing Licensed by the Department of Financial Protection and Innovation under the CA Residential Mortgage Lending Act

Kell

y Pennington is a young mother with a zest for life. Always looking for the best in every situation, Kelly has become an esteemed ally to her colleagues. After graduating Analy High School, Kelly began her journey into the business world. Having grown up around the mortgage industry it didn’t take Kelly long to realize that all she wanted to do was help make it possible for people to own a home and have something that is entirely theirs. In the fall of 2012 Kelly brought new life into this world and her adorable son Jack became the center of her world. She knew that she wanted to be able to give him the world and to do so she was going to need to have a career that would provide for her and her new baby. Kelly set out to get her NMLS license so she could do just that. Kelly is known by many for her inclination toward spending time in nature, her family values and her clear idea on what is right and good in this world. Throughout her life Kelly remained an honor roll student and when she became a childcare provider she got CPR certified so that she could help any child she was watching. Her attention to detail and good manners have driven Kelly to become one of the youngest producing mortgage loan originators in the business. Kelly has a unique advantage because her father has been a mortgage loan originator for over 27 years and has shared his experiences, victories and failures with her so that she may use them to become a stronger loan originator here in California. In her first year as a mortgage loan originator Kelly was able to close a loan in 15 days, which would be difficult for a seasoned loan originator. She enjoys wandering the forest for inspiration, cuddling with her dog and taking her son to the beach. She is among the younger group of loan originators which allows her to give her clients a fresh, modern look into the world of home loans. Kelly grew up in Sonoma County and spent the majority of her life in Guerneville and Sebastopol. She was raised with her older brother and younger sister and after her father got remarried she added 3 new siblings to her ever growing family. Over the years Kelly has developed a wonderful ability to work well with a team and lend support wherever it is needed.

One size fits all? Not here. Kind Lending's Non-QM options are designed for borrowers who live outside the box - and des...
09/10/2026

One size fits all? Not here. Kind Lending's Non-QM options are designed for borrowers who live outside the box - and deserve financing that works for them. Connect with me today to discuss your unique options!

Got a low mortgage rate? You may not have to give it up to access your home equity. 🏡A HELOAN or HELOC may let you tap i...
09/09/2026

Got a low mortgage rate? You may not have to give it up to access your home equity. 🏡
A HELOAN or HELOC may let you tap into your equity while keeping your existing first mortgage intact.
Talk to Kind Lending to explore your options.

The biggest myth?That VA loans are complicated.The truth?With the right team, it’s a clear and powerful path to homeowne...
09/08/2026

The biggest myth?
That VA loans are complicated.
The truth?
With the right team, it’s a clear and powerful path to homeownership.
This is the playbook.
If you’re working with veterans—or are one—let’s make sure this benefit doesn’t go unused.

This Labor Day, Kind Lending celebrates the hardworking people who make a difference every day. We hope you enjoy a well...
09/07/2026

This Labor Day, Kind Lending celebrates the hardworking people who make a difference every day. We hope you enjoy a well-deserved day of rest, relaxation and time with the people who matter most.

"Kindness is spreading sunshine into people's lives regardless of the weather."
09/04/2026

"Kindness is spreading sunshine into people's lives regardless of the weather."

Buying a home is probably the biggest purchase you'll make in your life. That's crazy, right? Our goal is to educate and...
09/03/2026

Buying a home is probably the biggest purchase you'll make in your life. That's crazy, right? Our goal is to educate and inform individuals looking to purchase a home. We understand that buying a house can be a daunting task, and we aim to simplify the process as much as possible. At Kind Lending, we offer a variety of options for homebuyers, including conventional loans, Non-QM loans, renovation and repair loans, VA loans, USDA loans, and many other choices. Connect with me today to discover more about the unique offerings at Kind Lending. Discover the Kind Difference today!

You worked hard to own a home—now it may be time to put that equity to work for you! 🏡✨ A reverse mortgage could give yo...
09/02/2026

You worked hard to own a home—now it may be time to put that equity to work for you! 🏡✨ A reverse mortgage could give you more financial flexibility, more control, and more freedom to enjoy what’s next.
Curious if it could be a fit for you? Let’s talk!

At Kind Lending, we understand that not everyone fits the traditional mold when it comes to getting a mortgage. That's w...
09/01/2026

At Kind Lending, we understand that not everyone fits the traditional mold when it comes to getting a mortgage. That's why we offer non-QM loan options to help those with non-traditional income or credit history achieve their homeownership goals. Contact us today to learn more about how we can help you.

Every generation has a different path to homeownership. From first-time buyers to downsizers, today's housing market is ...
08/31/2026

Every generation has a different path to homeownership. From first-time buyers to downsizers, today's housing market is shaped by unique goals, opportunities, and challenges.
No matter where you are in your journey, having the right mortgage strategy can make all the difference. Let's find the loan solution that fits your goals. Reach out today!

Address

1260 North Dutton Avenue Suite 205
Santa Rosa, CA
95401

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

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