First Time Home Buyers w/Cosigner
Super attentive, fast, and efficient. She takes her time to explain everything in a very simple way. 100% recommended.
Esteban Smith (Client)
If Athena can't get you a loan, it's because no one can. She's good at math, she's accurate, fair, and super attentive. It's hard to find a loan originator with a golden heart, but Athena has it.
Wilfredo Ramos (Realtor)
Athena and her team are the best! She was on top of every little detail and she would be watching out for emails coming in from the Underwriter! She would answer your texts incredibly fast. She was wonderful!
Shalimar Wuyke (Client)
About Me
and my team
MY MISSION IS TO ENSURE YOU ARRIVE AT THE CLOSING TABLE UNDERSTANDING EVERY COST RELATED TO YOUR MORTGAGE
WITH NO SURPRISES
Helping Gulf Coast and DFW area families and Realtors win in today’s market with clarity, confidence, and fast closings.
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I’ve had the privilege of guiding hundreds of homebuyers, alongside my real estate partners, through one of the biggest financial decisions of their lives. As a 5-star rated loan officer and leader of the Athena Peña Team, I specialize in delivering a mortgage experience that is seamless, strategic, and deeply personal.
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We offer traditional and non-traditional loan programs, including VA, FHA, Conventional, Jumbo, First-Time Buyer programs, Bank Statement loans, and DSCR loans for investors. We are also proud to be a Top 100 VA lender, and we have a veteran VA EXPERT on staff, serving military families with unmatched care and expertise.
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One of our biggest advantages?
👉 Fast, in-house underwriting that helps our clients close quicker and more confidently.
We believe every buyer deserves updates in real time, answers without the runaround, and solutions tailored to their unique goals.
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We serve clients throughout Houston, Clear Lake, League City, Friendswood, Pearland, and the entire Gulf Coast, as well as Fort Worth, Dallas, and the entire DFW area. We partner closely with local Realtors to help them grow, win offers, and provide the highest level of service to their clients.
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Whether purchasing your first home, upgrading, investing, or refinancing, my mission is simple: Create clarity. Remove stress. Get you to the closing table with confidence.
How We Serve You
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✔ VA Loan Specialist
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✔ First-Time Buyer Guidance & Education
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✔ DSCR & Investor Loan Strategies
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✔ Bank Statement Loans for Self-Employed Borrowers
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✔ Fast In-House Underwriting
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✔ Local Expertise from a Trusted, 5-Star Team
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✔ Clear Communication Every Step of the Way
If you’re ready to explore your options or partner together, you’re in the right place.
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Apply or schedule a consultation at:
✨ AthenaPena.com
