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

PennyMac is trusted by more than one million homeowners to help them with their home financing needs. Have you spoken to PennyMac about how to make your dream of homeownership a reality?

See our rates

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?

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.

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

05.25.18

Although you planned and saved for years, life threw you a curve and now you’re at risk of missing mortgage payments—and perhaps even falling into foreclosure. If you find yourself in some financial distress, you may be able to find relief in the form of a home loan modification.

Read more about The Loan Modification Guide: Understand Your Options

05.25.18

For people faced with the potential of foreclosure, it’s natural to feel anxious and confused. How long does the foreclosure process take? Will you be able to remain in your home in the interim? What rights do you have, and how can you exercise them?

Read more about Understanding Foreclosure: A Guide for Imperiled Homeowners

05.04.18

Debt-to-income (DTI) ratio isn’t as talked about as often as your credit score, but it’s just as important when seeking a home loan. So what goes into DTI? It’s the amount of recurring monthly debt you have compared to your monthly gross income.

Read more about What Is the Debt-to-Income (DTI) Ratio?


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.