Mobile Messaging
Terms & Conditions

What is Pennymac Mobile Messaging?

Pennymac Mobile Messages are SMS messages sent to those who have opted-in to receive text messages from Pennymac, including: alerts, reminders, offers, etc.

How do I sign up for Pennymac Mobile Messages?

Get started with Pennymac Mobile Messages by texting HOME to 69193. By signing up, you consent to receive marketing messages from Pennymac.

Is it free?

Pennymac Mobile Messages is a complimentary service provided by Pennymac. Depending on your messaging plan and carrier, message and data rates may apply.

How do I stop receiving messages?

If you wish to stop receiving text messages from us, you may unsubscribe by texting the word STOP to 69193 or by calling (800) 777-4001. Once your mobile number is removed from our system, you will receive a final confirmation message and no further messages will be sent to your cell phone or mobile device.

I opted out, now I want back in. How do I do that?

You can start receiving messages from Pennymac again by texting HOME to 69193.

What if I want more information on other topics?

You may text the word HELP to 69193, email or call (800) 777-4001 for more information.



Texting HOME to 69193 to get alerts, offers, etc.

Reply “Y" to opt in for texts from Pennymac. Details: Text STOP to cancel; HELP for info. Msg & data rates may apply. Msg freq. varies.


Texting STOP at any time to 69193 will prevent you from receiving any future Pennymac Mobile Messages.

You will receive no further messages from Pennymac. To opt back in, text HOME. Msg & data rates may apply. Msg freq. varies.


Texting HELP at any time to 69193 will return a message such as the following:

Visit for info and commands. Msg & data rates may apply. Text STOP to cancel.

Does my mobile carrier participate?

Pennymac Mobile Messaging works with all major U.S. carriers, including: AT&T, T-Mobile®, Verizon Wireless, Sprint, Boost, Alltel, U.S. Cellular, Cellular One, MetroPCS, InterOp, Cellular Com, C Spire Wireless, Cricket, Virgin Mobile.

Carriers are not liable for delayed or undelivered messages. T-Mobile® is not liable for delayed or undelivered messages.

How are messages sent?

We may use autodialer or non-autodialer technology to send the text messages described above to the mobile phone number provided when you opt in.

Privacy Policy

Pennymac respects your right to privacy. For more information, review Pennymac’s Privacy Policy.

Additional Terms

By texting the five-digit U.S. short code: 69193 you acknowledge and agree to the terms and conditions provided in this policy and fully and unconditionally authorize Pennymac and its service providers to respond to your mobile device or cell phone, even if your telephone number is listed on any federal, state or corporate do-not-call registry.

Pennymac Mobile Messages is an automated loan alert service and is not intended to be construed against Pennymac as an interest rate lock, an unconditional loan commitment, an unconditional loan approval, unconditional qualification, or any other unconditional offer or agreement to lend. Furthermore, Pennymac disclaims any and all responsibility, including responsibility based on negligence or negligent misstatement, for the accuracy, completeness, or reliability of data or information contained in or furnished through Pennymac Mobile Messages and makes no warranties, express or implied, with respect to such data or information.

Do not use Pennymac Mobile Messages to communicate time-sensitive instructions or official company matters. Urgent matters should be communicated directly with the person of concern via telephone and then confirmed in writing with the appropriate person.

Pennymac reserves the right to block any mobile telephone number it deems inappropriate and to disable Pennymac Mobile Messages without notice.

By using this service, you agree that the terms stated herein shall apply to you and are incorporated by reference into any communication, and that any disputes pertaining to this service shall be governed by and construed in accordance with the laws of the State of California, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of your use of PennyMac Loan Services Mobile Messages or relating to these terms and conditions may only be filed only in the state or federal courts located in California. Consent to these terms is not required as a condition to purchase a good/service.