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!
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!
Find the perfect
loan for you
When financing a larger home above conforming loan limits, choose a jumbo loan if you have good credit and healthy reserves.
FHA loans are a popular choice for home buyers who are still in the process of building their credit and savings.
We're proud to be able to offer VA Loans to our honored veterans, active service military and their families.
USDA loans are mortgages offered to rural property owners as designated by the United States Department of Agriculture.
Buying a home for the first time can be a daunting process but we're here to help you every step of the way.
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.
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.
How much is your home worth?
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.
Happy homeowners served
employees eager to help
you every step of the way
in loans funded in 2017
Hear from real
- We have been with Pennymac for a few …
"We have been with Pennymac for a few years now and we just refinanced to a lower rate. They were very helpful and everything went smoothly. We highly recommend them for your mortgage needs"
- Very Professional Refinance
"Very friendly and professional when I wanted to refinance. Everything done electronically and they were patient with my crazy work schedule which delayed me getting requested documents to them."
- PennyMac - Great company to work with!
"PennyMac was great to deal with - listened to my concerns and was always willing to help move things along quickly. I would do business with them again."
- So easy!
"PennyMac was incredibly easy to work with and we were able to refinance our home and save a few hundred dollars each month. Thank you, PennyMac!"
- Top rated for a reason
"I found PennyMac to be helpful and courteous from the start of my relationship with the company. Professional. Knowledgeable. Understanding. They made sure details and communications were correct and kept it going. I would highly recommend PennyMac to anyone."
Resources & Tools
Buying a property can be stressful enough without having unfamiliar words thrown in too. Even if it’s not your first mortgage, it can still be a confusing process. This glossary demystifies common words used in mortgage transactions.
Most people become familiar with term “loan officer,” the professional who helps you figure out which loan option is right for you, when looking for a mortgage. You get the mortgage and keys to your new home, and then wave goodbye to your loan officer...but not so fast! There are other surprising—and important—ways a loan officer can be instrumental to your financial future.
During the homebuying process, you’re sure to encounter the term Loan-to-Value (LTV) ratio. So what exactly is your LTV ratio, and why is it important?
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.
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.