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Pennymac Pennymac | CORR | TPO | PFSI | PMT | Careers Careers | About Us About
Us Want to buy or refi? 866.549.3583
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REFINANCING

Home Refinance Loans Cash-Out Refinancing Home Equity Loans How Refinancing
Works

LOAN OPTIONS

Home Purchase Loans Home Refinance Loans Home Equity Loans Compare Home Loan
Options

COMPARE LOAN OPTIONS

Conventional Home Loans Adjustable Rate Mortgages Jumbo Home Loans FHA Home
Loans VA Home Loans USDA Streamlined-Assist Refinance Investment Property Loans
Home Equity Loans

RESOURCES

Home Connect Mortgage Calculators Home Value Estimator Learning Center
First-Time Homebuyer Guide Insurance Options

ACCOUNT
SUPPORT

Manage Your Account New Customer Info Making Payments Tax & Insurance Info
Mortgage Relief & Disaster Assistance Contact Us
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SPECIAL HOMEBUYER SAVINGS

Save Now
Get 1% off your rate
for 1 year* + $1,000**

Save Later
Receive $2,000 when you
refinance within 3 years1
Get my pre-approval



HOW CAN
WE HELP?

Refinance
Access My Equity
Buy a Home


TAP INTO THE POWER OF YOUR HOME EQUITY
& SPECIAL HOMEBUYER PROGRAMS

TURN YOUR HOME
EQUITY INTO CASH



Obtain cash from your home equity to consolidate debt, renovate or cover
expenses with a Home Equity Loan or Cash-Out Refinance.

Access My Equity

FIND A TOP AGENT AND GET
CASH AFTER CLOSING



Connect with a top agent anywhere in the nation and earn $350 - $9,500 when you
buy or sell a home with that agent.2

Learn More

PROTECT YOURSELF FROM
FUTURE RATE HIKES



Lock your rate before you find your new home to protect yourself from rate
hikes. And if rates go down, you can update to the lower rate.3

Save Now


WE'RE HERE FOR YOU AT EVERY
STEP OF YOUR HOME LOAN JOURNEY

OUR LOAN EXPERTS WILL GUIDE YOU, FROM START TO FINISH

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AT ANY TIME

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TODAY'S RATES

View today’s rates. Personalize your results to see what your mortgage payment
could be in certain scenarios.

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My Rate

Mortgage Type Rate APR* Points Conventional 30 year fixed

FHA 30 year fixed

VA 30 year fixed


*View Assumptions

Rates valid on: and are subject to change without notice. Your actual rate may
change dependent on a variety of financial factors. Please keep in mind that the
mortgage rates shown above are based on certain assumptions, which may differ
from your personal home loan scenario.




IMAGINE, DISCOVER, PLAN:
YOUR LEARNING AND SUPPORT CENTER

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plan ahead.

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Options

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WE OUR HOMEOWNERS







READ WHY PEOPLE LOVE PENNYMAC

Rated out of 5 stars by our customers


reviews on


NEARLY 5 MILLION

Lifetime Customers

#2 LENDER

In the U.S.***

$632 BILLION+

In Loans Serviced

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FEATURED ARTICLES

A Comprehensive Guide to Home Equity

Unlock the potential of your home with our comprehensive guide to home equity.
Learn how to calculate your home equity & how to leverage it for financial gain.



November 21, 2024

Read More
How to Build Wealth and Passive Income by Buying Rental Property

Unlock the potential of rental property investment with our step-by-step guide.
Learn about financing options, property types, and more. Explore with Pennymac!!



November 18, 2024

Read More
The Home Maintenance Checklist for Every Season

Keep your home in top shape year-round with our seasonal maintenance checklist.
Learn tips and budgeting strategies to prevent costly repairs with Pennymac.



October 4, 2024

Read More
Pennymac Correspondent Group

Pennymac Correspondent Group specializes in the acquisition of newly originated
U.S. residential home loans from independent mortgage bankers, banks and credit
unions.

Pennymac TPO

Pennymac TPO is committed to the wholesale channel, supporting Broker and
Non-Delegated Correspondent Partners through our long-standing industry
expertise and resources.

MY ACCOUNT

 * Contact Us
 * Account Help
 * FAQs
 * Relief & Assistance

CONNECT WITH US

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 * 

RESOURCES

 * Home Refinance Loans
 * Home Purchase Loans
 * Home Equity Loans
 * Today's Rates
 * Calculators
 * Home Value Estimator
 * Learning Center

COMPANY INFO

 * Careers
 * About Us
 * Media Relations
 * Investor Relations
 * Corporate Sustainability

TALK WITH
CUSTOMER SUPPORT

 * Please be sure to have
   your loan number handy.
 * 800.777.4001

MY ACCOUNT

 * Contact Us
 * Account Help
 * FAQs
 * Relief & Assistance

CONNECT WITH US

 * LinkedIn Instagram Facebook YouTube
 * 

RESOURCES

 * Home Refinance Loans
 * Home Purchase Loans
 * Home Equity Loans
 * Today's Rates
 * Calculators
 * Home Value Estimator
 * Learning Center

COMPANY INFO

 * Careers
 * About Us
 * Media Relations
 * Investor Relations
 * Corporate Sustainability

TALK WITH
CUSTOMER SUPPORT

 * Please be sure to have
   your loan number handy.
 * 800.777.4001

Equal Housing Opportunity, PennyMac Loan Services, LLC,
3043 Townsgate Rd, Suite 200, Westlake Village, CA 91361, 818-224-7442.
NMLS ID # 35953. For licensing information, go to: www.nmlsconsumeraccess.org.

Legal |
Privacy Policy |
Terms of Use |
Fees |
Do Not Sell or Share My Personal Information |
Notice at Collection for CA Residents |
Site Accessibility

Arizona Mortgage Banker License # 0911088. Licensed by the Department of
Financial Protection and Innovation under the California Residential Mortgage
Lending Act. Colorado office: 5500 South Quebec Street, Suite 260 Greenwood
Village, CO 80111, (877) 215-2552. Massachusetts Mortgage Lender License #
MC35953. Minnesota: This is not an offer to enter into an agreement and an offer
may only be made pursuant to Minn. Stat. §47.206 (3) & (4). Licensed by the N.J.
Department of Banking and Insurance. Licensed Mortgage Banker-NYS Department of
Financial Services. North Carolina Permit No. 119504607, 119505929, 119506567,
119506570, 119507419. Rhode Island Licensed Lender # 20092600LL, Loan Broker,
and Third Party Loan Servicer. Texas office: 2201 W. Plano Parkway, Suites 150
and 300, Plano, TX 75075. For more information, review Pennymac's state licenses
and important notices. Not all property types qualify. Some loan products may
not be available in all states. Information, property type eligibility, rates
and pricing are subject to change without prior notice at the sole discretion of
PennyMac Loan Services, LLC. Ask your loan officer for details. All loan
programs subject to borrowers meeting appropriate underwriting conditions. This
is not a commitment to lend. Other restrictions apply. © 2024 Private National
Mortgage Acceptance Company, LLC, Pennymac and all related marks are trademarks
of Private National Mortgage Acceptance Company, LLC and/or its subsidiaries or
affiliates. Third-party content is the property of its respective owners. All
rights reserved. (11-2024)

This website may include combined information from PennyMac Financial Services,
Inc. ("PFSI") and PennyMac Mortgage Investment Trust ("PMT") collectively
Pennymac.

*In eligible fixed-rate purchase loan transactions, Pennymac will pay 1% of the
note rate for the first 12 payments of the loan. This offer effectively reduces
the rate of the loan by 1% for the first year of the mortgage. The payment of 1%
by Pennymac will be accomplished through a custodial escrow account, to be
funded by the lender-paid credit. The amount totaling the difference of 1%
between the note rate and the temporary buydown rate will be dispersed to the
escrow account, and the funds will be dispersed from the escrow account to the
investor to account for the difference in interest during the buydown period
(the first 12 months of the loan). The offer excludes VA, Jumbo, Closed-End
Second and Adjustable-Rate Mortgages, refinance, investment property,
third-party and in-process loans. The offer cannot be redeemed for cash or
credit and is non-transferable. Occupancy restrictions may apply. Pennymac
reserves the right to change or cancel the offer at any time, without notice.
Additional restrictions or conditions may apply.

**Customers who have obtained a Pre-Approval from Pennymac prior to locking any
Pennymac purchase loan get $1,000 applied as a discount off total closing costs
and/or principal curtailment, subject to investor guidelines. Excludes Jumbo,
refinance, third-party and in-process loans. Offer subject to change or
cancellation without notice.

***Based on results from Inside Mortgage Finance 12M ended 6/30/24. Includes PMT
loan acquisitions, for which PFSI earns a fulfillment fee upon loan funding.

1Pennymac customers who close on a new purchase loan ("Original Purchase Loan")
with Pennymac are eligible for a $2,000 credit on a refinance with Pennymac for
the same property, subject to investor guidelines. Offer qualification period:
The offer applies to Original Purchase Loans funded on 11/14/2023 through
Original Purchase Loans locked by 12/31/2025. Customers must apply for the
refinance loan and lock in a rate within three years of the funding date of the
Original Purchase Loan to qualify. Credit may be applied as a discount off total
closing costs and/or for principal curtailment of the refinance (standard costs
and fees apply to the refinance transaction). This offer cannot be combined with
another lender credit offer, and may only be used once. Excludes Jumbo,
Closed-End Seconds, third-party and in-process loans. Offer subject to change or
cancellation without notice.

2Pennymac Home Connect is offered in partnership with HomeStory Real Estate
Services, a licensed real estate broker. HomeStory Real Estate Services is not
affiliated with PennyMac Loan Services, LLC, and PennyMac Loan Services, LLC is
not responsible for the program provided by HomeStory Real Estate Services.
Obtaining a mortgage from PennyMac Loan Services, LLC is optional and not
required to participate in the program offered by HomeStory Real Estate
Services. The borrower may arrange for financing with any lender.

Qualifying for the reward requires using a real estate agent that participates
in HomeStory's broker to broker agreement to complete the real estate buy and/or
sell transaction. You retain the right to negotiate buyer and or seller
representation agreements. Upon successful close of the transaction, the Real
Estate Agent pays a referral fee to HomeStory Real Estate Services. All Agents
have been independently vetted by HomeStory to meet performance expectations
required to participate in the program. If you are currently working with a
REALTOR®, please disregard this notice. It is not our intention to solicit the
offerings of other REALTORS®. A reward is not available where prohibited by
state law, including Alaska, Iowa, Louisiana and Missouri. A reduced agent
commission may be available for sellers in lieu of the reward in Mississippi,
New Jersey, Oklahoma, and Oregon and should be discussed with the agent upon
enrollment. No reward will be available for buyers in Mississippi, Oklahoma, and
Oregon. A commission credit may be available for buyers in lieu of the reward in
New Jersey and must be discussed with the agent upon enrollment and included in
a Buyer Agency Agreement with Rebate Provision. Rewards in Kansas and Tennessee
are required to be delivered by gift card. In Kansas the reward is set to $1,000
regardless of the sale price of the property.

HomeStory will issue the reward using the payment option you select and will be
sent to the client enrolled in the program within 45 days of HomeStory Real
Estate Services receipt of settlement statements and any other documentation
reasonably required to calculate the applicable reward amount. Real estate agent
fees and commissions still apply. Short sale transactions do not qualify for the
reward. Depending on state regulations highlighted above, reward amount is based
on sale price of the home purchased and/or sold and cannot exceed $9,500 per buy
or sell transaction. Employer-sponsored relocations may preclude participation
in the reward program offering. PennyMac Loan Services, LLC is not responsible
for the reward. The reward is valid for 18 months from the date of enrollment.
After 18 months, you must re-enroll to be eligible for a reward. Offer subject
to change or cancellation without notice.

PennyMac Loan Services, LLC ( Lender NMLS 35953 ) does not perform any activity
that is or could be construed as unlicensed real estate activity, and PennyMac
Loan Services, LLC is not licensed as a real estate broker. Agents of PennyMac
Loan Services, LLC are not authorized to perform real estate activity.

PennyMac Loan Services, LLC loans subject to credit approval. Offer subject to
change or cancellation without notice.

The trademarks, logos and names of other companies, products and services are
the property of their respective owners.

3Lock & Shop Program allows consumers with a purchase mortgage Pre-Approval from
Pennymac to lock a rate prior to locating a property. The program requires a
non-refundable fee of $595 due at the time of the rate lock. Consumers with a
purchase mortgage Pre-Approval from Pennymac must meet appropriate underwriting
conditions to obtain a mortgage loan. Consumers may choose between a 60-day,
75-day or 90-day lock period. Consumers must initiate a mortgage loan
application for a specific property and be under purchase contract for the
property at least 30 days prior to lock expiration in order to extend the locked
rate. All rate lock extensions are subject to Pennymac’s standard rate lock
extension fees. After the rate lock and subject to favorable market conditions,
consumers may be eligible for a one-time reduction in rate once the loan
application for a specific property has been initiated (0.50 % maximum reduction
in interest rate allowed). Eligible loan products are Conventional Fixed,
Conventional ARM, FHA Fixed and VA Fixed. Program excludes Jumbo, refinance,
third-party and in-process loans. Program subject to termination in Pennymac’s
sole discretion and without notice.