Michael Howarth

Pennymac Purchase Loan Officer

Michael Howarth

NMLS #2014480

michael.howarth@pennymac.com

626.515.6753

Pennymac Purchase Loan Officer

Michael Howarth

NMLS #2014480

Michael Howarth Apply Now

michael.howarth@pennymac.com

Call or Text: 626.515.6753

Add my phone number to your contacts.

251 South Lake Avenue

Sixth Floor

Pasadena, California 91101

(NMLS ID #968525)

About Michael

I love to assist my customers navigate the loan process. I take pride in covering the scope of this process from A to Z while simultaneously answering all questions, so everyone feels comfortable and prepared to shop for their home. I owe my drive and tenacity to growing up in the greater Los Angeles area, and fine-tuned my skills at San Diego State University, where I graduated with a bachelor's degree in business. You can guarantee that I put every ounce of that to work for you. And when I'm not simplifying the mortgage process for my customers, I spend my time with my family, raising my three children.

10x winner
Circle of champions
award winner
Rated 4.7/5 Stars
By our homeowners
$51.4 million
In purchase loans
funded last year
Need a great real estate agent? I can help.

Let me connect you with a top agent who'll work together with me to make your entire homebuying process even smoother. Plus, you can get a bonus from $350 to $9,500. 2

Find my agent and estimate my bonus

Arizona Loan Originator License #LO-1019369. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. Georgia Residential Mortgage Licensee #2014480. Massachusetts Mortgage Loan Originator License #MLO2014480. Washington Mortgage Loan Originator License #MLO-2014480.

The path to your new home starts here.

Save Now

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

Save Later

Receive $2,000 when you refinance within 3 years 1

Get Started

Pennymac Pre-Approval

Be a step ahead of competing buyers for your perfect home, plus receive $1,000 towards your closing.**

Pennymac Home Connect

Find a top real estate agent anywhere in the U.S. and earn $350 to $9,500 when you buy or sell a home. 2

Lock & Shop

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

We’re here to help you accomplish your aspirations of home.

$1.16 Billion Funded

in purchase loans last year

#2 Lender

in home purchase loans 4

Flexible Loan Terms

Customize the term of your
loan from 10 to 30 years

A+ Rating, Accredited Business, Better Business Bureau 5 Stars, LendingTree 4.5 Stars, Nerdwallet Best VA Loan Lenders in 2025, Bankrate Best Mortgage Lenders of 2025, CNET 4.8 Star Rating, Mobile App
4.8 Star Rating, Mobile App
4.5 Stars, Nerdwallet
A+ Rating, Accredited Business, Better Business Bureau
5 Stars, LendingTree
Best VA Loan Lenders in 2025, Bankrate
Best Mortgage Lenders of 2025, CNET
A+ Rating, Accredited Business, Better Business Bureau
5 Stars, LendingTree
4.5 Stars, Nerdwallet
Best VA Loan Lenders in 2025, Bankrate
Best Mortgage Lenders of 2025, CNET
4.8 Star Rating, Mobile App