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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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.

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 06/30/22. Includes PMT loan acquisitions, for which PFSI earns a fulfillment fee upon loan funding. For the second quarter only, Pennymac was ranked #5.

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Explore the Refinance Option That's Best for You


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.


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.