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This is your nationwide one-stop shop when buying or selling a home, including a resource for getting help from a real estate agent. Plus, buy and see through Home Connect and you'll save up to $5,000+.
Rates may rise again. Lock in yours today with Lock & Shop!
We understand. You want to buy a home, but you’re worried about the significant increase in rates made by the Federal Reserve. The good news is we have a solution.
Lock & Shop can help you lock in your rate before rates potentially rise even further and before you find your home.
Lock & Shop Program allows consumers pre-approved for a purchase loan with Pennymac to lock a rate prior to locating a property. Consumers pre-approved for a purchase loan with Pennymac must meet appropriate underwriting conditions to obtain a mortgage loan. The lock will be honored for 60 days total. Pre-approvals initiated or obtained prior to 06/21/2022 are ineligible. Consumers must initiate a mortgage loan application for a specific property and be under purchase contract for the property at least 30 days prior to lock expiration in order to extend the locked rate. All rate lock extensions are subject to Pennymac’s standard rate lock extension fees. After the rate lock and subject to favorable market conditions, consumers may be eligible for a one-time reduction in rate once the loan application for a specific property has been initiated (0.50 % maximum reduction in interest rate allowed). Eligible loan products are Conventional Fixed, Conventional ARM, FHA Fixed and VA Fixed. Program excludes Jumbo, refinance, third-party and in-process loans. Program subject to termination in Pennymac’s sole discretion and without notice.
Find an agent and get cash back at closing with Home Connect
Search and save homes, build a dedicated real estate team, and earn cash back after close, all from your personalized profile.