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Lower my rate

Refinancing your home loan now can mean significant
payment savings for you. Call a Pennymac Loan Expert
to lock in a lower rate, before they go up.

If you prefer, complete the form below and we'll contact you.

Lower payment update

Refinancing your home loan now can result
in significant payment savings for you

Call a Pennymac Loan Expert to lock in
a lower rate before they go up

Or complete the form below and we'll contact you.

Lower your rate and payment

Please contact us to get started.

Refinancing your home loan now can mean significant payment savings for you. Call a Pennymac Loan Expert to lock in a lower rate, before they go up.

If you prefer, complete the form below and we'll contact you.

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

A+ Rating, Accredited Business, Better Business Bureau 5 Stars, LendingTree 4.5 Stars, Nerdwallet Best VA Loan Lenders in 2025, Bankrate Best Mortgage Lenders of 2025, CNET 4.8 Star Rating, Mobile App
4.8 Star Rating, Mobile App
4.5 Stars, Nerdwallet
A+ Rating, Accredited Business, Better Business Bureau
5 Stars, LendingTree
Best VA Loan Lenders in 2025, Bankrate
Best Mortgage Lenders of 2025, CNET
A+ Rating, Accredited Business, Better Business Bureau
5 Stars, LendingTree
4.5 Stars, Nerdwallet
Best VA Loan Lenders in 2025, Bankrate
Best Mortgage Lenders of 2025, CNET
4.8 Star Rating, Mobile App