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Peggy Pense

Peggy Pense

Loan Officer

51669 Columbia River Hwy., Suite 140, Scappoose, OR 97056
Own what matters
Own what matters

About Me

I’ve been working in the Mortgage Industry since 1999 and have loved every minute of it.  This business is challenging, fast-paced and exciting. There is never a dull moment! 

The most rewarding part of my job is when I get to help my clients buy the house of their dreams.  Whether you are a first-time home buyer, looking into buying an investment home, upgrading, or downsizing, I enjoy it all.

Throughout my career I’ve had the privilege of being able to help hundreds of families reach their dreams of home ownership.  I also enjoy consulting with those who already own their homes and deciding if refinancing is the right choice for them!

My team and I specialize in many different loan programs, Conventional, USDA, FHA, VA and many more.  We offer a variety of state, county, and city housing programs that provide down payment assistance for our buyers.  We are committed to finding the loan program that best fits your individual financing needs.

Whether you are looking to refinance your current mortgage or purchase your dream home, my team and I are here for you.  Our goal is to be your “lender for life.” Here at Guild, I work alongside some of the industry’s best. From our processing, underwriting, and funding departments, you will never find a more committed, hardworking, and knowledgeable group of individuals.  Let us work for you!

Outside of work, I am blessed with a great husband and together we have four amazing children, Jordan, Allison, Justin, and Ryan. I am blessed with the rare opportunity of sharing the passion I have for lending with my daughter and get to work with her, as she is a member of my team. She will also be blessing us with our first grandson any day now!!  If I’m not at the office, you can find me camping, fishing, or just enjoying a backyard BBQ with friends and family.

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Meet my team

I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.96 out of 5.0 stars
4.96
4.97
Ryan
Jun 04, 2024
Verified

This is my first time and Peggy made it easy.
Nicolas
Jun 10, 2024
Verified

Loan funded on time, no issues. Great working with you.
Bodi
May 28, 2024
Verified

Peggy was super helpful in every aspect. Even after we got funded she was still there to give advice and help!
Alex
Jun 04, 2024
Verified

This team really supported myself through this very complex, long, and involved process. But they made it such a easy and simple process for us to follow!
Dorinda
Jun 03, 2024
Verified

I had tried two different banks no luck. Was talking with my realtor I used to use all the time. Recommended Peggy it was a lot of stress purchased my neighbkrs house next door to one of my house's. So happy to bd the owner!! Yeab Thank you to you're team and you for making this happen. A dream into reality!! ❤️🙏👍⭐️⭐️⭐️⭐️⭐️
Melissa
May 28, 2024
Verified

Peggy is my go-to gal and incredible!

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NMLS ID #112867
I am authorized to do business in the states of Oregon and Washington. OR ML-176;