Pay Off High-Interest Debt, Renovate Your Home, Pay Off Credit Card Debt, Go on Vacation!

If your credit score is average or higher, start your cash-out refinance with Pennymac®, a Top 3 Lender in the U.S.*. Take Advantage of Historically Low Rates.

*Based on results from Inside Mortgage Finance 12M ended 3/31/22. Includes PMT loan acquisitions, for which PFSI earns a fulfillment fee upon loan funding. For the first quarter only, Pennymac was ranked #4.

neighborhood of homes
: 4.52/5
Homeowner Reviews

Start Your Application

Let's Get Started


All Fields Required

You may select any 30-minute window within our regular business hours.

Our call center is open Monday - Friday to and Saturday to .

You have not selected a date or time to be called yet.
reCaptcha must be checked
Please keep your phone nearby as we will be reaching out to you in the next 24 hours

Can't Wait to See Your New Rate?

operator standing by now

Call now

Phone: 1-866-549-3583

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

*Customers pre-approved with Pennymac prior to locking any Pennymac purchase loan get 0.50% of the principal loan amount applied as a discount off total closing costs and/or principal curtailment, subject to investor guidelines. Additionally, for all Conventional and FHA purchase loans, Pennymac’s $1,200 origination fee is waived, and on VA purchase loans, the origination fee is reduced by $1,200. The maximum $5,000 savings amount is based on a $760,000 loan. Loans must be locked by 9/30/2022 to qualify for the offer. Excludes Jumbo, refinance, third-party and in-process loans.

Industry Reviews That Say It All

Nerdwallet Best Mortgage Lender
Zillow 4-star lender
Bankrate's Best Mortgage Lender
LendingTree 4-star lender
Top Rated Lender
National Morgage Best Military Lenders