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Pennymac Pennymac | CORR | TPO | PFSI | PMT | Careers Careers | About Us About
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SPECIAL HOMEBUYER SAVINGS

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for 1 year* + $1,000**

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refinance within 3 years1
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HOW CAN
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& SPECIAL HOMEBUYER PROGRAMS

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EQUITY INTO CASH



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buy or sell a home with that agent.2

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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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TODAY’S RATES

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

Personalize
My Rate

Mortgage Type Rate APR* Points Conventional 30 year fixed 6.124% 6.529%
0.810%
($2,835)
FHA 30 year fixed 5.625% 6.558%
0.940%
($2,391)
VA 30 year fixed 5.625% 6.006%
0.748%
($2,865)

*View Assumptions

Rates valid on: Thursday, Sep. 5, 2024, 8:03am PDT 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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& Support


WE OUR HOMEOWNERS







READ WHY PEOPLE LOVE PENNYMAC

Rated 4.6 out of 5 stars by our customers


 * > “Tom and Tyra were the best on top of everything had no worries they
   > deserve a raise always willing to answer questions with a pleasant
   > attitude”
   
   Doris B.Aug 26, 2024

 * > “All was good and efficient.”
   
   Richard C.Aug 24, 2024

 * > “Norma Brambila and Malek Abasi were very helpful and keep me informed of
   > the progress and answered my questions.”
   
   Melissa H.Aug 24, 2024

 * > “Very happy with PennyMac”
   
   Robert B.Aug 24, 2024

 * > “Was great to work with.”
   
   Janet R.Aug 23, 2024

 * > “Satisfied. Thank you.”
   
   Jan B.Aug 23, 2024

 * > “Laura H was fantastic to work with!”
   
   Corey Van S.Sep 5, 2024

 * > “Nothing but good experiences w Pmac- Ive owned 6 properties and refinanced
   > a dozen times, Norma and Phil were great”
   
   Kenneth F.Sep 5, 2024

 * > “Very easy”
   
   Howard W.Sep 5, 2024

 * > “Easy process”
   
   John M.Sep 5, 2024

 * > “The process went exactly how it was explained to me, and I thought that
   > was awesome!!”
   
   Carol P.Sep 4, 2024

 * > “Very pleased with PennyMac services.”
   
   Paul D.Sep 4, 2024

 * > “Process too long”
   
   Gerald R.Sep 4, 2024

 * > “Every single person that has helped us on the way has been absolutely
   > wonderful!”
   
   Andrew P.Sep 4, 2024

 * > “This was my first time doing something like this and they walked me
   > through each step very pleased”
   
   Sharon L.Sep 4, 2024

 * > “Keep up the good work!! Thanks”
   
   Patrick G.Sep 3, 2024

 * > “Eric Haywood did an amazing job guiding us through the process. He was
   > always available for questions & status updates even the morning of signing
   > documents!”
   
   Cindy C.Sep 3, 2024

 * > “Edna made the entire process so easy and explained in detail any and every
   > question I had.”
   
   Luke D.Sep 3, 2024

 * > “Aven not paid yet”
   
   Donald L.Sep 2, 2024

 * > “Everything was quick and timely and communicated greatly”
   
   Timothy H.Sep 1, 2024

 * > “Thank you for the patience I was given during this process and the overall
   > respect EVERYONE gave me.”
   
   Carroll J.Sep 1, 2024

 * > “Thank you very much for everything!”
   
   Samuel O.Aug 31, 2024

 * > “Awesome experience all around with EVERYONE on top of their game!!!”
   
   Thomas G.Aug 31, 2024

 * > “I appreciate everything Pennymac has done for my family and myself. Having
   > a home means so much to me. Coming from once being a homeless vet, I am
   > grateful.”
   
   Sondra S.Aug 31, 2024

 * > “Everyone was very helpful!”
   
   Ryan L.Aug 30, 2024

 * > “Jimmy was simply amazing and this entire process was a breeze.he was very
   > knowledgeable and helpful.”
   
   Christopher M.Aug 30, 2024

 * > “Paul and Yester were both fantastic. I can not say enough good things
   > about them. Very helpful and pleasant. Thank you.”
   
   Scott E.Aug 30, 2024

 * > “It was a very easy transaction”
   
   Aaron F.Aug 30, 2024

 * > “Very professional and efficient group. Made the process smooth.”
   
   Ismael L.Aug 30, 2024

 * > “Good communication!”
   
   Roberta J.Aug 29, 2024

 * > “Thank you for helping make this a smooth process”
   
   Greg D.Aug 29, 2024

 * > “I am very thankful that Pennymac made my loan process less stressful and
   > ensured I was able to close in a quick timeframe.”
   
   Cynthia O.Aug 29, 2024

 * > “Great support during the process! Alwasy new every step of the way how
   > things were going and all my questions were answered timely!”
   
   Christina O.Aug 29, 2024

 * > “Everyone was really helpful, even though there were a couple of hiccups,
   > during the whole process. They have always been pleasant to deal with
   > though. I love PennyMac.”
   
   Leigh H.Aug 29, 2024

 * > “Edna was the best she deserves a 100% raise she went above and beyond
   > expectations she is a great team asset!!!”
   
   Sebastian P.Aug 29, 2024

 * > “Miss Paulette made it so easy for me I call her an Angel on the phone.
   > Such a blessing”
   
   Matthew S.Aug 29, 2024

 * > “Thanks”
   
   Enrique G.Aug 29, 2024

 * > “Tania kept me informed by both text and phone call throughout the
   > refinance process. I was also able to call at anytime to get updates on the
   > process.”
   
   Blair M.Aug 29, 2024

 * > “There is really nothing more to say. The experience of dealing with your
   > company was perfect.”
   
   Joseph G.Aug 29, 2024

 * > “Bryan awas fantastic, very helpful, patient and professional.”
   
   Steven N.Aug 28, 2024

 * > “It was a most pleasant experience and everyone was very knowledgeable.”
   
   Joseph K.Aug 28, 2024

 * > “Paul was so helpful and educational! He took the time to answer my
   > questions and concerns so I felt comfortable knowing what I was going into
   > before applying.”
   
   Shanelle Galloway C.Aug 28, 2024

 * > “I appreciated the level of communication. Super friendly.”
   
   Kimberly S.Aug 28, 2024

 * > “Great communication. Love the PennyMac portal”
   
   Richard J.Aug 28, 2024

 * > “Son muy profesionales y se los recomiendo a todos gracias”
   
   Yohan A.Aug 28, 2024

 * > “Rashawna and Christina were both excellent”
   
   John P.Aug 28, 2024

 * > “Tania was really great. She kept me informed of the process of my
   > refinance.”
   
   Blair M.Aug 27, 2024

 * > “Rashawna demonstrated great calm, confidence and most of all patience. Her
   > persistence help keep the process on schedule.”
   
   Martin P.Aug 26, 2024

 * > “I was confused as to the amount I would receive at closing”
   
   Julie A.Aug 26, 2024

 * > “High marks to our Loan Officer, Jennifer Brucker, who tirelessly answered
   > all of our questions for about 90 days to prepare my wife and I for the
   > loan approval process.”
   
   Paul W.Aug 26, 2024

 * > “Tom and Tyra were the best on top of everything had no worries they
   > deserve a raise always willing to answer questions with a pleasant
   > attitude”
   
   Doris B.Aug 26, 2024

 * > “All was good and efficient.”
   
   Richard C.Aug 24, 2024

 * > “Norma Brambila and Malek Abasi were very helpful and keep me informed of
   > the progress and answered my questions.”
   
   Melissa H.Aug 24, 2024

 * > “Very happy with PennyMac”
   
   Robert B.Aug 24, 2024

 * > “Was great to work with.”
   
   Janet R.Aug 23, 2024

 * > “Satisfied. Thank you.”
   
   Jan B.Aug 23, 2024

 * > “Laura H was fantastic to work with!”
   
   Corey Van S.Sep 5, 2024

 * > “Nothing but good experiences w Pmac- Ive owned 6 properties and refinanced
   > a dozen times, Norma and Phil were great”
   
   Kenneth F.Sep 5, 2024

 * > “Very easy”
   
   Howard W.Sep 5, 2024

 * > “Easy process”
   
   John M.Sep 5, 2024

 * > “The process went exactly how it was explained to me, and I thought that
   > was awesome!!”
   
   Carol P.Sep 4, 2024

 * > “Very pleased with PennyMac services.”
   
   Paul D.Sep 4, 2024

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44,261 reviews on


NEARLY 5 MILLION

Lifetime Customers

#2 LENDER

In the U.S.**

$617 BILLION+

In Loans Serviced

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Pennymac Correspondent Group specializes in the acquisition of newly originated
U.S. residential home loans from independent mortgage bankers, banks and credit
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Equal Housing Opportunity © 2024 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.
Trade/service marks are the property of PennyMac Loan Services, LLC and/or its
subsidiaries or affiliates.

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. 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. (09-2024)

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.

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 12/31/2024. Customers must lock the refinance
loan 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. 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.

×Close

ASSUMPTIONS

The following assumptions reflect search criteria for Rates:

 * Loan purpose:  Purchase
 * Home value:  $390,626
 * Loan amount:  $375,001
 * Property state:  CA
 * Property county:  Los Angeles
 * Loan-to-value (LTV):  96%
 * Down payment:  4%
 * Cash out:  $0
   

The following assumptions reflect the search criteria:

   Loan purpose:  Purchase Property state:  CA Property county:  Los Angeles
 * Lien position:  First
 * Prepayment penalty:  None
 * Property type:  Detached
 * Property use:  Primary Residence
 * FICO:  720
   

 * Refinancing may increase the length of your loan and the total amount of
   interest you pay over the life of your loan.
 * Closing costs paid out of pocket
 * Tax and insurance escrow account created
 * Loan Estimate issued within 3 days of application
 * Not all products and terms are shown
 * All rates and programs subject to loan underwriting and approval and may be
   subject to change depending on individual credit profile and other
   qualifications
 * Monthly payment does not include amounts for taxes, property insurance and
   mortgage insurance (where applicable). The actual payment obligation will be
   greater.
 * *The annual percentage rate (“APR”) calculations on first-lien mortgage loan
   products in the tables are based on typical prepaid finance charges-actual
   charges may vary based on the terms of the loan and geographical area.
 * For ARMS, the APR, interest rate, and monthly payments may increase after the
   introductory interest rate period.
 * For VA Loans, VA funding fee required and will vary. Maximum loan guaranty
   amount varies per county. Contact the VA for the maximum loan guaranty amount
   for your county and for more information on the funding fee.
 * Discount points are charges paid to the lender voluntarily, usually at
   closing by the borrower or seller, to reduce the interest rate. One point is
   equal to 1% of the principal amount of the mortgage.

Conventional Mortgages:

The payment on a $350,001 30-year Fixed-Rate is $2,126.42 for 360 months at
6.124% and 6.529% Annual Percentage Rate (APR). This payment assumes 95%
loan-to-value (LTV) and 0.81 points ($2,835) due at closing with a 740 FICO
credit score.

FHA Mortgages:

The payment on a $250,001 30-year Fixed-Rate is $1,464.33 for 360 months at
5.625% and 6.558% Annual Percentage Rate (APR). This payment assumes 96.5%
loan-to-value (LTV) and 0.94 points ($2,391) due at closing with a 680 FICO
credit score.

Jumbo Mortgages:



VA Mortgages:

The payment on a $375,001 30-year Fixed-Rate is $2,205.13 for 360 months at
5.625% and 6.006% Annual Percentage Rate (APR). This payment assumes 96%
loan-to-value (LTV) and 0.748 points ($2,865) due at closing with a 720 FICO
credit score.

Assumptions display is temporarily unavailable.

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