Learning Center

Before approving a home loan or refinance, lenders review documents that help them evaluate your financial profile. Below is a breakdown of the paperwork commonly requested during the application process.

September 24, 2026

If a conforming loan won't cover your financing needs, a jumbo loan may be an option. Learn how these mortgages work, who they’re designed for and what you may need to qualify.

September 23, 2026

Refinancing your mortgage replaces your current home loan with a new one that better aligns with your financial goals. Learn about the different types of refinancing options available and how the process works to make an informed decision.

September 23, 2026

The Federal Reserve helps shape the rate environment, but it doesn’t tell the whole story. Learn what influences mortgage rates and what that means for homeowners and homebuyers.

September 21, 2026

Pennymac announced “Welcome Home,” the second season of its “Bring It Home” video series, giving homebuyers and homeowners tools and information for every stage of the process. As the Official Mortgage Provider of Team USA, Pennymac paired its loan experts with Team USA athletes who are Pennymac homeowners, answering on camera the questions buyers ask most.

September 8, 2026

Learn why bank-owned properties are worth considering for buyers ready to navigate the process.

August 31, 2026

A mortgage payment includes more than just your loan amount and interest. This guide explains the components of PITI and PITIA, how they affect monthly costs and what to consider before shopping for a home.

August 31, 2026

Learn how taking over a seller's loan could save you money with lower rates and reduced costs.

August 31, 2026

Smart backyard upgrades can boost curb appeal, comfort and home value. Explore outdoor improvement ideas and ways to plan your projects with Pennymac.

August 27, 2026