Residents:

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.

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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

Explore the Refinance Option That's Best for You

VA

The U.S. Department of Veterans Affairs’ VA loan programs are intended for military service members and their families. Being a government-backed mortgage means that the VA will reimburse the lender for any losses that may result from borrower default, allowing lenders to finance up to 100% of the property’s value.

Cash-out Refinance

A Cash-Out Refinance Loan from Pennymac is a way to access the equity in your home to tackle things like home improvements, lingering debt or any other expenses that you need help managing. In some cases, you may also be able to lower your monthly interest rate as well.

Conventional

A conventional loan is not insured or guaranteed by the federal government, which makes it different from programs like VA, USDA and FHA. These flexible loans allow borrowers to get low rates and often avoid mortgage insurance with a higher down payment.