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REFINANCING
Home / Refinancing
Apply Now Call Us: (866) 549-3583 Request a Call
WHAT IS MORTGAGE REFINANCING?
There are many reasons people refinance their mortgage, but the most common are
to either save money on their monthly mortgage payment or reduce their interest
rate.* Some people also take advantage of refinancing to shorten the length of
their mortgage or to access some of the available equity in their homes to cover
other expenses.
Regardless of your reasons for refinancing, it’s important to weigh all your
options to arrive at a strategy that makes the most sense for your personal
financial goals.
*By refinancing your existing loan, your total finance charges may be higher
over the life of the loan.
WHAT ARE SOME GOOD REASONS TO REFINANCE YOUR MORTGAGE?
* Lower your payment
* Take cash out to pay off high interest debt or improve your home
* Pay off your loan faster
* Get a low rate for the life of your loan
Get Started Online
REFINANCING LOAN OPTIONS
PennyMac Loan Services provides the flexibility you need to consider refinancing
your mortgage. We have loan products for primary residences, second/vacation
homes and investment properties. Here are our most popular offerings:
Mortgage Type
Key Benefits
Worth Considering If You…
Mortgage Type
Adjustable-Rate Mortgages (ARMs)
The lowest rate for the first 5-10 years of the loan for eligible buyers. After
the initial term, your rate will adjust according to current market rates and
may increase.
Rates & More Info
Key Benefits
* The lowest short-term rates
* The lowest monthly payments for at least the introductory period of the loan
Worth Considering If You…
* Think you'll be moving before being exposed to the risk of higher rates
* Have good credit
* Possess the funds for the required down payment
Mortgage Type
Conventional Fixed-Rate Mortgages
The lowest fixed interest rates for eligible buyers.
Rates & More Info
Key Benefits
* The best fixed rates
* Your rate never changes for the life of your loan
Worth Considering If You…
* Plan to stay in your home for a longer period of time
* Have good credit
Mortgage Type
FHA Mortgages
Option 1: Loans with as low as 3.5% down payment and less stringent credit score
requirements.
Rates & More Info
Key Benefits
* Low down payment options
* Current FHA borrowers can do a streamline refinance without an appraisal
* Option of fixed-rate or adjustable-rate (ARM) loans
Worth Considering If You…
* Lack a good credit history
* Don't have the funds available for a larger down payment
Mortgage Type
Flex-Term Mortgages
You choose the term of your mortgage based on what works for you.
Rates & More Info
Key Benefits
* Refinance without extending the length of your loan
* Set your own payoff date
Worth Considering If You…
* Want to take advantage of a lower rate but don’t want to extend the length of
your loan
* Would like your loan to sync up with a specific date, like your retirement
Mortgage Type
Home Equity Loans
A home equity loan is a form of consumer debt that allows you to borrow money
against your home’s equity.
Rates & More Info
Key Benefits
* Get the entire lump sum as soon as your loan is approved
* Keep the low rate on your first mortgage
* Have cash to make home repairs, consolidate debt & more
Worth Considering If You…
* Have good credit
* Are consolidating debt or other important costs
Mortgage Type
Investment Property Mortgages
Loans for a property used to produce a return on the investment.
Rates & More Info
Key Benefits
* Competitive rates
* Reduced origination fees
* Can be fixed or adjustable-rate loans
Worth Considering If You…
* Have good credit
* Possess substantial cash reserves
* Are looking to invest or diversify your investment portfolio
Mortgage Type
Jumbo Mortgages
A larger loan for borrowers with high credit scores and healthy reserves.
Rates & More Info
Key Benefits
* Loan amounts up to $2 million
* Eliminates the need for secondary financing
* No prepayment penalties
Worth Considering If You…
* Have good credit
* Want to avoid multiple loans
Mortgage Type
USDA Mortgages
Loan program for individuals or families who plan to occupy a single-family home
in a designated rural area as their primary residence.
Rates & More Info
Key Benefits
* No required down payment
* Competitive rates on fixed-rate loans
* Flexible qualification guidelines
Worth Considering If You…
* Live in a designated rural area
* Don't have the required funds for a down payment
Mortgage Type
VA Mortgages
Government-backed loans offered exclusively to our valued members of the
military.
Rates & More Info
Key Benefits
* Low or no down payment
* No mortgage insurance requirement
* Flexible qualification guidelines
Worth Considering If You…
* Are an active military member or veteran
* Are the surviving spouse of a deceased service member who lost their life in
military service
See All Refinancing Loan Options
READY TO GET STARTED?
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WHY SHOULD I CHOOSE PENNYMAC?
We service the loans we originate.
While other lenders may be looking to sell your loan as soon as you sign on the
dotted line, Pennymac is dedicated to being the lender you can depend on far
beyond your closing date. When you originate a loan with Pennymac, we’ll remain
as your servicer for the entire life of your loan because we honor your trust in
making us your lender of choice.
We don’t waste resources on expensive brick-and-mortar retail offices.
That allows us to pass on the savings to our customers with some of the lowest,
most competitive rates and fees available today. Home loans are the primary
focus of our business, not upselling you and adding services you don’t need.
WE'RE COMMITTED TO BEING YOUR PARTNER.
Being a Pennymac customer means having a partner that never stops looking for
ways to save you money and help fulfill your dream of homeownership.
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GET A CUSTOMIZED RATE QUOTE
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with Pennymac’s pre-approval or apply online using My Home By Pennymac.
Learn More
REFINANCE LOAN CALCULATORS
Use today's rates to get a better understanding of the true cost of different
mortgage products before chatting with one of our licensed loan officers.
Learn More
MORTGAGE LEARNING CENTER
We’re always adding new articles and resources to our Learning Center to help
provide you with unbiased, useful mortgage information on a wide range of
topics.
Learn More
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Get a report on the estimated value of your home that provides two estimated
market values from leading providers.
Learn More
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READY TO GET STARTED?
Apply Now
FREQUENTLY ASKED REFINANCING QUESTIONS
HOW OFTEN CAN I REFINANCE MY HOME?
Limitations on refinancing can vary from state to state, so you’ll want to check
the regulations for the specific state where the property is located. Another
factor to weigh is payoff fees, which are different from prepayment penalties.
While prepayment fees are meant to prevent you from paying off additional
principal, an early payoff fee is a fee paid to the originating lender for loans
that have only been on the books a few months. Your loan officer can tell you
which types of loans carry these kinds of restrictions.
HOW MUCH DOES IT COST TO REFINANCE?
There are many options for managing closing costs for different kinds of
refinance loans. Regardless of whether or not you receive closing credits from
your lender, you often have the option of folding closing costs into your loan
to avoid having to put up cash at closing. You may hear that 1.5% of your loan
amount is a good rule of thumb for closing costs but it is always best to ask
your loan officer about all your options.
Pennymac also offers a refinance calculator to see if refinancing your home can
help you lower your monthly payment or consolidate your debt. This is a great
place to start as you weigh costs against benefits.
HOW LONG DOES IT TAKE TO REFINANCE A MORTGAGE?
Many refinance loans can take 30-45 days to close but there are lots of
exceptions if your finances are complex or you’re refinancing at a particularly
busy time of year.
There are, however, steps you can take to limit your exposure to delays. Much of
the documentation that you’ll need to provide for processing can be determined
as soon as you know what kind of loan you will be applying for. Collecting and
scanning documents like tax returns and income verification is a good start and
can save you time during your application process.
WHAT IS EQUITY? WHY IS IT IMPORTANT FOR REFINANCING?
Equity is the appraised value of your home minus the amount you still owe on
your loan. This is an important factor for refinance loans that require a
minimum loan-to-value (LTV) percentage and for cash out refinances where you
want to take a specific amount of cash out of your existing equity.
If you’re interested in estimating the current equity in your home, Pennymac has
created a Home Value Estimator to help. To determine your estimated equity, just
subtract the outstanding balance of your loan from the estimated value of your
property and you will have a great starting point for determining what types of
refinance loans will work for you.
WHAT DOCUMENTS ARE REQUIRED TO REFINANCE?
Your documentation allows underwriters to verify that you’re a good fit for the
loan option you’ve selected. Here is a list of some of the most common documents
that your loan officer may ask for:
* Proof of income – You will be asked to provide pay stubs (typically for the
past 30 days) in order to verify income. Self-employed borrowers may be asked
for different documentation.
* Copy of homeowners insurance – Verifying that your property is insured, or
will be insured, is important to all lenders.
* Copies of your W-2 forms – Providing your W-2 forms will give your lender a
much broader picture of your financial picture.
* Copies of asset information – Lenders are required to verify that you have
the funds available to cover the various expenses of the loan. You may be
asked for checking, savings and 401(k) statements, as well as investment
records for mutual funds or stocks.
* Copy of title insurance – A copy of your title insurance is important to help
your lender verify your taxes, names on the title and the legal description
of the property.
Your lender will also need to pull your credit report as a part of the refinance
process, so have your Social Security number handy when it’s time to apply.
WILL A REFINANCE HELP GET RID OF MY PMI?
In many cases, yes. As rates have dropped and home values have risen, many
homeowners have an opportunity to remove their PMI while reducing their overall
monthly payment. Talk to your loan officer about the specific requirements of
the loan products you qualify for.
Keep in mind that many loans have a ‘seasoning requirement’ that requires you to
wait at least 2 years before you can refinance to get rid of PMI. So if your
loan is less than 2 years old, you can request that your PMI be removed with a
new refinance but you’re not guaranteed to get approval.
WHAT REFI OPTIONS ARE AVAILABLE TO ME IF I HAVE BAD CREDIT?
There are many loan types that cater to borrowers with sub-optimal credit. The
best way to find out about all your options is to let a loan officer pull your
credit and explain the benefits of different programs to you.
WHAT IS A STREAMLINE REFINANCE?
Streamline refinancing was created to expedite the process of obtaining a new
loan by referencing existing paperwork and data on a borrower. The process is
not only faster but also easier for the borrower, since it can be completed
without the full documentation required on standard conventional loans.
Opting for a streamline refinance can be a viable option for borrowers who want
a lower interest rate or need to transition from an adjustable-rate mortgage
(ARM) to a fixed-rate loan. Both the FHA and VA offer beneficial streamline
refinancing programs to qualifying borrowers.
MORE REFINANCING RESOURCES
How Refinancing Works
We’ve demystified how refinancing works so you know what to expect every step of
the way.
Customer Reviews & Testimonials
The best place to learn about our commitment to great service is by hearing from
one of the thousands of real Pennymac customers we help with their mortgage
needs every month. Read about their experiences here.
What’s your home worth?
Find out how much your home is worth with our fast, free home value estimator
tool.
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Equal Housing Opportunity © 2022 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.
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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 Lender License # 20092600LL. Texas office:
2201 W. Plano Parkway, Suites 150 and 300, Plano, TX 75075. For more
information, review Pennymac's state licenses and important notices. Co-op loans
not available. Some products may not be available in all states. Information,
rates and pricing are subject to change without prior notice at the sole
discretion of PennyMac Loan Services, LLC. All loan programs subject to
borrowers meeting appropriate underwriting conditions. This is not a commitment
to lend. Other restrictions apply. (10-2022)
This website may include combined information from PennyMac Financial Services,
Inc. ("PFSI") and PennyMac Mortgage Investment Trust ("PMT") collectively
Pennymac.