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Ron Penir

Regional Director - Central Coast | San Luis Obispo – Flagstar Home Loan, California | LinkedIn Personal Website

License/Certifications: NMLS 325495


Office: 805.250.2409

Cell: 805.709.3426

Fax: 866.588.6164

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Home > About Us > Our Team > Ron Penir

My Story

Why I choose Flagstar:

  • Integrity
  • Honesty
  • Transparency


Ron is the Regional Director for our Central Coast region, including the Santa Barbara and San Luis Obispo branches.


Ron has devoted over two decades of his career to advancing the mortgage industry by recruiting, retaining, and managing the trade’s top-producing loan originators and branch managers throughout California’s diverse market. His individualized mortgage strategy consistently increases value for our Realtor® and business associates.


Ron’s current focus as the Central Coast Regional Manager for Flagstar is recruiting and retaining high-performance sales and operations staff throughout California to help Flagstar exceed customers’ expectations. Ron began his real estate career in 1990, immediately after college. His mortgage origination experience started in 1992 with a large national bank. He later became Vice President/Area Manager for another large bank, where he was nationally ranked for his sales performance, productivity and customer satisfaction ratings.


Ron earned his BA in Business Administration with an Option in Real Estate and Urban Land Economics from California State University, Fresno. He has also completed extensive training in Underwriting and Financial Statement Analysis, including Jumbo, Conventional, FNMA/FHLMC, FHA/VA, and USDA. Ron strongly believes in maintaining the strictest ethical standards and has completed Ethics in Real Estate training.


Ron lives in Arroyo Grande with his wife, Debbi, and has three children.


Industry Associates:

Ron works with Keller Williams (Central Coast), Wathen/Castanos, and Mangano Homes.

Additional Certifications and Awards:

  • The San Luis Obispo office is the #1 purchase originator in the market with local underwriting and processing.


Santa Barbara Branch

800 Presidio Avenue, Suite B-1

Santa Barbara, CA 93101

Phone: 805.699.7128

Branch: San Luis Obispo – Flagstar Home Loan

1212 Marsh Street, Suite 1

San Luis Obispo, CA 93401

Phone: 805.250.2400


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