Whether you’re buying your first home or trying to make the most of your equity…

PennyMac Loan Services is trusted by more than one million homeowners to help them with their home financing needs. We want to be the lender you call home. Get a quote and apply online today!

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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 of a lot of extra costs.

Jumbo Loans

When financing a larger home above conforming loan limits, choose a jumbo loan if you have good credit and healthy reserves.

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.

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. Just last year alone, we helped more than 250,000 consumers, like you, get a new loan.

1 million+

Happy homeowners served

3,000+

employees eager to help
you every step of the way

$5 billion+

in loans funded in 2017

Hear from real
PennyMac customers

Resources & Tools

07.06.18

Sunny days are just ahead, and so is chilling out at low-pressure summer picnics and parties. “Summer entertaining feels more casual,” says Annette Joseph, stylist and author of Picture Perfect Parties, as well as the new book, “Cocktail Italiano: the Definitive Guide to Aperitivo: Drinks, Nibbles, and Tales of the Italian Riviera.”

Read more about Outgrowing a Home: Adapting to Your Family Needs

07.06.18

From a high-rise New York loft to a sprawling historic farm in Minnesota, it seems as if there are about as many different types of housing as there are people. Some people are in love with the fast-paced life of the city. Some love the convenience and community of the suburbs, or the quiet peace of the country.

Read more about Urban vs Suburban vs Rural Living: Where to Buy?

07.06.18

A Home Equity Line of Credit (HELOC) is one of the most common ways to borrow money against the value of your home. It is similar to a credit card in that you can use it to buy things that you need now, and repay it with interest at a later time. Obtaining a HELOC requires (among other factors) that you have reasonable equity in your home.

Read more about What Is a HELOC?


About PennyMac Loan Services

As a top direct national mortgage lender, PennyMac is committed to providing our customers with a range of innovative solutions to help them purchase, refinance or simply remain in their homes. Whether they’re first-time buyers who are new to the loan process or someone who is specifically seeking a competitive Conventional, FHA, Jumbo or VA loan, PennyMac is dedicated to offering great rates and unparalleled service.

PennyMac headquarters

Being an online mortgage lender means that PennyMac can focus on the needs of its customers rather than maintaining a network of branches and banking products. The company’s licensed loan officers undergo extensive education, testing and training to help customers through the origination process every step of the way.

Since being founded in 2008 by a team of mortgage industry veterans, PennyMac has sought to restore Americans' trust in homeownership by improving the quality and consistency of the mortgage experience. The company is a major participant in the Home Affordable Refinance Program (HARP), the government program created in 2009 to assist underwater homeowners in refinancing their mortgages. PennyMac also buys loans from banks and other lenders, using its industry expertise to help customers restructure their mortgages so they can stay in their homes. To date, the company has serviced more than a million loans.