Special Homebuyer Savings

Save Now

Get 1% off your rate for 1 year* + $1,000**

Save Later

Receive $2,000 when you refinance within 3 years1

Get Started
A+ Rating, Accredited Business, Better Business Bureau 5 Stars, LendingTree 5 Star Lender, Nerdwallet 4.6 Star Lender, Bankrate 4 Star Lender, Forbes Advisor Best Mortgage Lenders, March | April | May, 2024 CNET
4 Star Lender, Forbes Advisor
5 Star Lender, Nerdwallet
4.6 Star Lender, Bankrate
Best Mortgage Lenders, March | April | May, 2024 CNET
A+ Rating, Accredited Business, Better Business Bureau
5 Stars, LendingTree
5 Star Lender, Nerdwallet
4.6 Star Lender, Bankrate
A+ Rating, Accredited Business, Better Business Bureau
4 Star Lender, Forbes Advisor
Best Mortgage Lenders, March | April | May, 2024 CNET
5 Stars, LendingTree

You can save thousands with Pennymac’s special homebuyer programs.

1-year 1% savings

1 Year @ 1% Savings

Get 1% off your rate for 1 year on your new mortgage.*

Save now

Pennymac Home Connect

Connect with a top real estate agent anywhere in the U.S. and earn $350 to $9,500 when you buy or sell a home.2

Lock & Shop 60-day rate lock

Lock and Shop

Lock your rate before you find your new home to protect yourself from future rate hikes. And if rates go down, you can update to the lower rate.3

Pennymac is guided by our core values of being Accountable, Reliable and Ethical in everything that we do. As a top mortgage lender in the country, we are proud to enable homeowners to achieve and sustain their aspirations of home.

4.8
Million+
Lifetime customers
#2 Lender
In the U.S.4
$600+ billion
In loans serviced

Frequently asked questions

How Does the Lock & Shop Program Work?

Unlike traditional purchase loan programs, Lock & Shop allows pre-approved homebuyers to lock in a rate prior to getting into a purchase contract with a seller. This option can potentially save buyers thousands of dollars in the lifetime cost of their new mortgage in case rates rise before the buyer gets an accepted offer on a home. In the case that rates go down after locking, the homebuyer is allowed a one-time reduction to the lower rate. See below for further program details.3

Whether you’re moving to a new state or just down the street, you can be matched with a top-producing real estate agent through the nationwide network Pennymac Home Connect. You’ll also become eligible to earn between $350 and $9,500 when you close on a property with that agent.2 Ask your Pennymac Loan Expert for additional details.