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About Penny Psencik

Penny has been in the Mortgage Industry since 2004, has substantial experience working for several small brokerage firms, and prior to joining Crosspoint Financial in 2010 worked at HSBC contributing in all aspects of the mortgage industry.
In 1999, Penny graduated from Southwest Texas State University in San Marcos, TX with a Political Science Degree. His NMLS number is 111937.

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Reviews about Penny Psencik

Your Friend
5

Penny was great to work with! He was always professional as well as personable. During our decision-making process, as we considered several companies, he provided the information we needed to make our decision without being pushy or condescending. He looked out for us, letting us know when percentages had gone lower. He was ever-patient with all of our questions even those that were asked several times, even providing additional ways for us to contact him after hours and during weekends. Penny was knowledgeable and very helpful. From the start he explained the refinancing process, fees etc. so that we could understand what we needed to understand. He was also quick to respond to our questions and concerns. I would highly recommend his services to friends and family.See MoreRead Less"

Penny's Reply

 

Your Friend
5

I called up Crosspoint Financial based on the postcard they sent me regarding a VA Streamline Loan (IRRRL). I was lucky to get Penny on the phone. He knew everything about the loan and the process, and had the answers to all of my questions. There were a couple of problems in the process, caused by the current holder of the loan and the reviewer, but Penny solved those also. From beginning to end, the process and finances worked out exactly as he said. In addition to his knowledge, I was also impressed with his availability. He answered e-mails very promptly and, no matter when I called on the phone, he always answered it himself. I never once talked to a secretary or was sent to voice mail. I would definitely recommend Penny and would use his services again.See MoreRead Less"

Penny's Reply

 

Your Friend

I'm a veteran using my VA loan in Texas. Crosspoint is in California. I%u2019ve refinanced enough times to have established a pretty good benchmark with regard to how a re-fi should/should not go. Penny, at Crosspoint Financial has done a fantastic job. Everything was smooth & timely. The numbers were all on the mark. I was always able to contact him by phone, even on a few occasions when I am sure he was out of the office. Never once did he complain - in fact he always maintained a very courteous & professional attitude. I asked a lot of questions and he was always very patient, answering them thoroughly.
As I said, I've refinanced many times, and Crosspoint Financial gets an A from me. Highly recommend!
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Penny's Reply

 

Your Friend
5

EXCELLENT CUSTOMER SERVICE

I called Crosspoint Financial on the phone after receiving a post card in the mail. I was lucky enough to get a hold of Penny Psencik. Penny was very professional, knowledgeable and answered all my questions concerning refinancing my VA loan. Penny was able to help me in obtaining a fixed rate of 3.75% on my first loan. Approximately 16-months later, I was able to refinance again and locked in at an all time low fixed rate of 3.25%.

Penny walked me through the whole process both times and answered all my phone calls whether early morning or late afternoons. Penny was always just a phone call away.

It was a pleasure working with Penny and I highly recommend his services.
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Penny's Reply

 

Your Friend
5

Penny was amazing to work with. This is the third property we have owned but it is the first we have refinanced. Penny was very supportive and knowledgable every step of the way. My husband and I fully trusted his guidance and suggestions to maximize the incentives to produce an outcome that surpassed anything we could have anticipated.
We would recommend Penny at Crosspoint Financial to everyone looking for an honest efficient and outstanding refinancing officer to handle their property. I know we will call on Penny in the future for any refinance needs either on our current property or our next home. Thank you again for your dedication to excellent service Penny!See MoreRead Less"

Penny's Reply

 

Your Friend
5

Penny was amazing to work with. This is the third property we have owned but it is the first we have refinanced. Penny was very supportive and knowledgable every step of the way. My husband and I fully trusted his guidance and suggestions to maximize the incentives to produce an outcome that surpassed anything we could have anticipated.
We would recommend Penny at Crosspoint Financial to everyone looking for an honest efficient and outstanding refinancing officer to handle their property. I know we will call on Penny in the future for any refinance needs either on our current property or our next home. Thank you again for your dedication to excellent service Penny!See MoreRead Less"

Penny's Reply

 

Your Friend
5

I decided to call Crosspoint once I received a postcard in the mail. Sure glad I made that call. I was fortunate to get Penny as my loan officer. Penny went up and beyond to help me refinance my home loans. Many obstacles later I closed with the same lock in rate he promised me. None of the problems were his doing but he helped and reassured me along the way. If rates drop again and I get a chance to refinance at a lower rate, he will be the first person I call. He made the process easy for me even with all the obstacles I encountered along the way. He is not only a first rate loan officer but and outstanding and honorable individual.See MoreRead Less"

Penny's Reply

 

Your Friend
5

This was my second refinance and it was much much smoother than my first. All aspects of the transaction were clearly stated and it occurred just as Mr Psencik said it would (big relief compared to prior experience). Mr Psencik answered all of my questions very clearly and in layman's terms and he always seemed to be available even though we were two time zones apart. I gave Penny two different addresses for closing. The Closing Officer called me the morning of closing and asked which location I wanted to meet at. The closing was extremely efficient and professional! I would highly recommend Penny Psencik for a mortgage or refinance!See MoreRead Less"

Penny's Reply

 

Your Friend
5

Penny and I were colleagues at HSBC for many years. As both a loan officer and, later, a sales manager, Penny's work ethic, moral compass, customer service and loan knowledge never ceased to impress me. I know him personally and know that he does not have it in him to ever take advantage of a customer or over-promise and under-deliver. I have referred a number of my friends and family to Penny and he has never let us down. I would highly recommend engaging Penny as your real estate professional. You will not be disappointed.

-Jayan SIngh, former VP of Underwriting for HSBC
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Penny's Reply

 

Your Friend
5

I have worked with several mortgage brokers over the years, and by far, Penny is the most professional broker I have encountered. I was surprised at how honest and straightforward he was with our transaction. Even when another broker from another company tried to lure us with empty promises, Penny's honesty and integrity saved the day and he delivered on what he said he could do. We will always call on Penny to handle all of our mortgages in the future as he earned our loyalty with his honesty and follow-through. I will recommend him to everyone I know. See MoreRead Less"

Penny's Reply

 

Your Friend
5

Penny provided me with the best experience I have ever had in real estate. This is my 3rd time working with financing a home and Penny is simply the BEST! He helped me all the way until I was completely satisfied with my rate. Penny is so knowledgeable about real estate. Great customer relations. Penny was so honest with me -- he let me know not only all the good points but the bad ones too and guided me in the best possible direction. I would give Penny ten and a half (10.5) stars if I could!See MoreRead Less"

Penny's Reply

 

Your Friend
5

When we chose Crosspoint to do our VA streamline refi with we soon found out how fortunate we were to have Penny handling our Loan. He exceeded all of our expectations. He was always there to answer any questions and made sure he followed through on all aspects of our loan from beginning to end. He made the loan process a truly enjoyable experience. I would absolutely recommend Crosspoint Financial and highly suggest you ask for Penny. Thank you for Everything!!See MoreRead Less"

Penny's Reply

 

Your Friend
5

I can say with confidence that Penny is the best agent for refinancing homes! Penny got me the best rate, was prompt in returning my calls, and is so conscientious. If ever I have a question regarding real estate, I go straight to Penny. He is my financial and real estate "human Google search". Penny is tremendously honest and is always willing to go the extra mile. I appreciate Penny so much for what he has done and continues to do for me. 5-Star See MoreRead Less"

Penny's Reply

 

Your Friend
5

Penny is the most understanding, responsive, and thorough loan officer I have ever worked with! Every time I checked in with him, Penny responded right away and if he was busy would get back to me promptly the next day.
Penny bent over backwards for me - making the typically frustrating loan process into a really easy one. I would recommend him to anyone and will definitely use him again!
- Stephen Flores
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Penny's Reply

 

Your Friend
5

Penny was phenomenal. Always couteousy and well informed he seemed on top of his game. I can't express how appreciative my wife and I were of all his help during our refinance. He answered all my questions and never seemed to busy to help. He exemplifies the model of customer service and competency that are so rare in business and our culture today. Thanks again Penny. We really appreciated your help.See MoreRead Less"

Penny's Reply

 

Your Friend
5

Mr. Psencik provided me with excellent service throughout the loan process. He was friendly, courteous, and answered my questions in a clear and professional manner. Penny was able to shepherd me through what I felt to be a daunting process quickly with excellent results."

Penny's Reply

 

Your Friend
5

Mr. Psencik provided me with the easiest refinance that I have ever been experienced with. All of the loan information was provide up front... and most importantly... did not change throughout the process. I would recommend him to both my friends and family."

Penny's Reply

 

Your Friend
5

Penny's professionalism and timely service with the refinance of our home was dead on. I have recommend Penny's service's to numerous individuals and I will refinance with his company again when the the opportunity arise. "

Penny's Reply

 

Your Friend
5

Penny did an outstanding job for me. Everything went exactly as he said it would and was about as painless as it could be. He answered all my questions very promptly. I would highly recommend him."

Penny's Reply

 

Your Friend
5

Penny

Is a professional that cares about his clients and craft. He also gives a100 percent effort solving customer issues

The Hardnick Family would like to personally say

Thank You"

Penny's Reply

 

Your Friend
5

I called Penny because I received a post card in the mail from Crosspoint Financial. He walked us through the entire loan process and made it easy for us. Thank you so much Penny!"

Penny's Reply

 

Your Friend
5

Penny was great to work with and the process was quick and painless. He is very helpful and very nice. I highly recommend using him. "

Penny's Reply

 

Your Friend
5

Great job getting me 3.5% APR. You really need to trust him and let him get to work. You won't be disappointed!"

Penny's Reply

 

Your Friend
5

Excellent service, prompt responses, great assistance jumpoing through the varous hurdles."

Penny's Reply

 

Your Friend

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