Todd Phenneger


I am a local who has grown up in Spokane, went to College in Idaho, and lived in Seattle for many years. After that, I lived in Central America, New York, and have now moved back to be close to family and raise my own family.

I am a licensed Mortgage Loan Originator (Loan Officer) in Washington and Idaho. I enjoy helping people buy their dream homes and take great pride in not only doing the best I can for them, but educating people on the process. I am straight with clients and if someone can’t be qualified immediately, I will outline a specific plan for them and educate them on the exact steps they need to follow to qualify for a home.

Whether someone is buying their first fixer upper for under $100,000 or buying their dream lakefront home for 1 Million dollars, I treat every situation and individual as unique. The only commonality is my service, excellent communication and honest up-front attitude.

P: 509-362-9417
M: 509-944-6206
1227 N Argonne Road
Spokane Valley, WA

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Phenneger Loan Team


Loan Partner I

Jarae Pearson

Jarae is our Team Loan Partner I. Jarea assists our borrowers with collecting required the documents for loan approval, communication with Transaction Partners, and is vital in providing a smooth close for our Clients.

If you are a new client, or are in the initial steps of the pre-approval process, and need help with uploading documents, Jarae can assist you!

P: 509-530-2347




Loan Partner II

Leona McGhee

Leona is our Team Loan Partner II. Leona has her Originator’s License, and can assist in locking loans, loan Processing questions, and will assist in getting your loan Clear to Close as quickly, and painlessly as possible.

If you have a transaction in process, have any questions about locking your rate, Underwriting Conditions, or Loan Status, Leona can help!

P: 509-530-2387



All of Todd's team gave me excellent service. Very easy to work with and very friendly and professional. I will highly recommend them to anyone who needs to sell a home.

AaronCompleted transaction in August 2020 in Spokane Valley, WA.

Todd went above and beyond to make my financing happen despite my situation being VERY difficult. He was superior in keeping me informed and always had the most positive attitude and outlook. I know that Todd truly wants the very best for all his clients and he is is an exceptional individual to work with and know!

ConnieCompleted transaction in July, 2020 in Liberty Lake, WA.