Dreams don't have to wait

Refinance your home today

Are you looking to reduce your monthly mortgage payment, get a lower interest rate, convert your home equity into cash, or switch to a fixed-rate loan?

Consider refinancing your home loan with Pennymac.

family at graduation

The joy of knowing that we are able to provide our daughter with the opportunity to attend the best university is priceless.

- Julie & Doug M.

Start your application

Are you looking to reduce your monthly mortgage payment, get a lower interest rate, convert your home equity into cash, or switch to a fixed-rate loan?

Consider refinancing your home loan with Pennymac.

Start your application

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

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

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Can't Wait to See Your New Rate?

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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 $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.

An established leader

0 Million+

Lifetime Customers

# 9 Lender

in the U.S.*

$ 233 Billion+

In loans serviced

*Based on results from Inside Mortgage Finance 12M ended 09/30/22. Includes PMT loan acquisitions, for which PFSI earns a fulfillment fee upon loan funding. For the third quarter only, Pennymac was ranked #2.

Industry Reviews That Say It All

2022 Best Mortgage Lender, Nerdwallet 4.5 Stars, Birdeye A+ Rating, Accredited Business, Better Business Bureau February 2022, 9 Best VA Mortgage Lenders, NextAdvisor 4 Stars, Zillow 4 Stars, LendingTree
February 2022, 9 Best VA Mortgage Lenders, NextAdvisor
2022 Best Mortgage Lender, Nerdwallet
4.5 Stars, Birdeye
4 Stars, Zillow
A+ Rating, Accredited Business, Better Business Bureau
4 Stars, LendingTree
2022 Best Mortgage Lender, Nerdwallet
4.5 Stars, Birdeye
A+ Rating, Accredited Business, Better Business Bureau
February 2022, 9 Best VA Mortgage Lenders, NextAdvisor
4 Stars, Zillow
4 Stars, LendingTree