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Type of Loan
Purchase
Purchase
Refinance
Refinance
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Credit Score
720 +
720 +
680-719
680-719
620-679
620-679
< 620
< 620
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Home Type
Single Family
Single Family
Condo
Condo
Co-Op
Co-Op
Manufactured
Manufactured
Mobile
Mobile
Townhouse
Townhouse
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Property Use
Owner Occupied
Owner Occupied
Second Home
Second Home
Investment Property
Investment Property
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Refinancing your existing loan may result in your total finance charges being higher over the life of your loan.

*Customers pre-approved with PennyMac prior to locking any purchase loan with PennyMac get 0.50% of the loan’s principal amount, applied as a discount off total closing costs and/or principal curtailment, subject to investor guidelines. Loans must be locked by 3/31/21 to qualify for the offer. Excludes third-party or in-process loans.

(For example, on a $300,000 home purchase loan one would receive a $1,500 discount (calculated at 0.50% of $300,000), applied to closing costs.

**For Conventional and FHA purchase loans PennyMac’s $1,100 origination fee is waived, and on VA purchase loans, the original fee is reduced by $1,100. Loans must be locked before 3/31/2021. Excludes in-process and third-party loans.

All offers mentioned on this page are for home purchase loans only and do not apply to refinance loans.