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Type of Loan
Purchase
Purchase
Refinance
Refinance
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Credit Score
720 +
720 +
680-719
680-719
620-679
620-679
< 620
< 620
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Home Type
Single Family
Single Family
Condo
Condo
Co-Op
Co-Op
Manufactured
Manufactured
Mobile
Mobile
Townhouse
Townhouse
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Property Use
Owner Occupied
Owner Occupied
Second Home
Second Home
Investment Property
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.

*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 12/31/2022 to qualify for the offer. Excludes Jumbo, refinance, third-party and in-process loans.