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Refinance Purchase

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PennyMac customers

| Reviews
"Everything was exceptional from beginning to end. By far the easiest refi we've done!"
"Excellent overall experience with great customer service!"
"Fast, easy, and saved me a ton of money. I would highly recommend PennyMac!"
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Mortgage Access Center

We’ve changed the home loan experience

Our 24/7 mortgage access center keeps you connected and informed. With this new best-in-class technology, m.a.c is all your mortgage needs under one roof!

Learn more about m.a.c

Find the perfect
loan for you

Conventional Loans

If you have good credit, a conventional loan can be one of the best ways to get a great rate without having to pay a lot of extra costs.

FHA Loans

FHA loans are a popular choice for home buyers who are still in the process of building their credit and savings.

VA Loans

We're proud to be able to offer VA Loans to our honored veterans, active service military and their families.

USDA Loans

USDA loans are mortgages offered to rural property owners as designated by the United States Department of Agriculture.

Investment Property Loans

Buying an investment property is a great way to make passive income or provide a vacation home for your family.

First-time Homebuyers

Buying a home for the first time can be a daunting process but we're here to help you every step of the way.

Relief & Assistance

PennyMac has built a reputation on helping people stay in their homes. Talk to us and learn how we may be able to help you.

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See how much your home is worth

You work hard to pay for your home, make your equity work for you

Whether you’re considering a renovation to meet the needs of a growing family or have lingering high-interest debt that you’d like to pay off, your home can do more than just be a roof over your head. Talk to PennyMac about how your home equity can be turned into cash.

Learn more about Cash-Out

How much is your home worth?

The lender you can trust

All we do are home loans, and we're great at it.

1.8 million+

Happy homeowners served

5,000+

employees eager to help
you every step of the way

$388 billion+

in loans serviced**

**According to Inside Mortgage Finance ranking of Top 50 Mortgage Servicing Participants by dollar amount for Q2 2020.

Resources & Tools

09.18.20

Purchasing, updating, and decorating your home was a big investment. It is your family’s refuge and holds both treasured memories and valued possessions: in short, all things that you want to protect. We talked with several security experts to discover and share their top tips for home protection.

Read more about Expert Home Security Tips and Tricks

09.09.20

The answer is, no. The down payment amount can vary depending on the type of loan for which you’re applying. Fortunately, there are numerous ways to save, as well as down payment assistance programs and other funding sources for buyers. We compiled a list of alternative options for your down payment. Let’s first see what the down payment amount is for the type of loan you’re looking at.

Read more about Do You Need 20% Down To Buy A Home?

09.02.20

VA loans offer amazing advantages and benefits beyond down payments — learn how they can help you buy or refinance your home easily, with great savings.

Read more about 10 VA Loan Benefits You Need to Know in 2020


About PennyMac Loan Services

At PennyMac, we're more than a top national mortgage lender. We're committed to providing a superior mortgage experience from start to finish. As an online lender, PennyMac specializes only in home loans: conventional, FHA, VA and investment property loans — allowing us to focus on your needs as a homeowner instead of cross-selling other financial products.

Since 2008, we've been helping first-time homebuyers and experienced homeowners find competitive rates on a new home purchase or refinance loan. Our expert loan officers are here to help you finance your new home, refinance into a lower rate, reduce your monthly payment, or access your equity with a cash-out loan.*

PennyMac headquarters

Plus, we keep the servicing of our mortgages. That means your loan won't be sold, and we're here for you every step of the way, well beyond the day your loan closes. When you're part of the PennyMac family, you know you’re getting the right home loan to fit your lifestyle today and well into the future.

PennyMac knows it's more than just a home, it's your place to play, gather and grow.

*Refinancing your existing loan may result in your total finance charges being higher over the life of your loan.

PennyMac in the news

PennyMac in the news

On November 25, 2019, executives of PennyMac Financial Services, Inc. (NYSE: PFSI) and PennyMac Mortgage Trust (NYSE: PMT) to commemorate 10 years of PMT’s success on the New York Stock Exchange.

Executive Chairman and founder, Stanford L. Kurland does the honors.