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Refinance Purchase

Hear from real
PennyMac customers

| Reviews
"This was the best experience that I have had with any loan. I love working with PennyMac and will continue to use them for my home buying needs."
"The best refinance experience ever!"
"Exceptional service, amazing pricing, great communication, and quick closing. You did an outstanding job. Thank you, all!"
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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


employees eager to help
you every step of the way

$384 billion+

in loans serviced

Resources & Tools


It’s one of the largest purchases you’ll ever make, and one that most people will only complete a few times in their entire life. It’s normal to feel intimidated and even confused by the home buying process.

Read more about 10 Simple Steps to Purchase a Home in 2020


So, you’ve finally found your dream house. Sure, it may need a little work — okay, a lot of work — but you’re confident it will all be worth it in the end.

Read more about How to Know if That Fixer-Upper Is a Money Pit


If you own a home, one of your first questions may revolve around how your home affects your tax filing.

Read more about Mortgage Interest Deduction 2019: Here’s What Qualifies

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.