Apply Now — I Know Penny

Step 1 of 4 · About you

First name *

Last name *

Email address *

Phone number *

Are you buying with anyone else? (co-borrower)

Just me Yes, with someone

What's your current situation?

Step 2 of 4 · About the property

Don't worry if you haven't found a house yet — just give Penny a general idea.

What are you looking to do?

Buy a home Refinance Investment property

Property type

Estimated purchase price (or current home value)

Where is the property? (city / state)

Down payment available (rough estimate)

Step 3 of 4 · Your finances

This helps Penny find the right program. No credit pull yet — just ballpark numbers.

Employment type

W-2 employee Self-employed Retired Other

Annual household income (gross, before taxes)

Estimated credit score range

Are you a military veteran or active duty?

Yes No

Anything else Penny should know? (optional)

Step 4 of 4 · Review & submit

Penny will review your application and reach out within one business day.

🔒

No hard credit pull yet. Your credit score is not affected by submitting this application. Penny only runs credit when you're ready to move forward — and will tell you before it happens.

By submitting this application you agree to be contacted by Penny regarding your mortgage inquiry. Submitting this application does not constitute a loan approval or commitment to lend. NMLS #111937 (Penny Psencik), licensed in Tennessee, broker with Crosspoint Financial, Inc., NMLS #56921.

Your information is transmitted over a secure (HTTPS encrypted) connection and is not shared, sold, or used for any purpose beyond evaluating your mortgage inquiry. See our privacy policy for full detail.

Let's get you pre-approved.

Application received.