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Refinance Purchase

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Home Type: Single Family Condominium Co-Op Manufactured Mobile Townhouse

Property Use: Owner Occupied Second Home Investment Property

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Refinancing your existing loan may result in your total finance charges being higher over the life of your loan.

*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 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 pre-approved with 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.

*Pennymac customers who purchased their home through Lennar, DHI or NVR are eligible for a $2,000 credit on a refinance with Pennymac for that same property, subject to investor guidelines. Credit may be applied as a discount off total closing costs and/or for principal curtailment. Customers must apply for a refinance within three years of the closing of the original loan. Excludes Jumbo, new purchase, third-party and in-process loans. Offer subject to change or cancellation without notice. Refinancing your existing loan may result in your total finance charges being higher over the life of your loan.