We help fulfill the dream of home.

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A top 11 lender in the U.S.
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We service the loans we originate
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1 million+ homeowners served
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Low, everyday rates
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Better Rate Guarantee*
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Close on Time Guarantee*
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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.

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.

Jumbo Loans

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

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.

money in your house
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

Resources & Tools

03.24.19

A Home Equity Line of Credit (HELOC) is one of the most common ways to borrow money against the value of your home. Similar to a credit card, you can use your HELOC 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?

03.21.19

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?

02.20.19

Second mortgages can be a great way to use the equity in your home to free up cash for important needs. Just like any other loan, there are some important things you should know about second mortgages before you begin the application process.

Read more about Second Mortgages: What Are They, and How Do They Work?


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, VA or Investment Property 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.