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PennyMac Financial Services PennyMac Financial Services
PennyMac Financial Services PennyMac Financial Services
Advice on new loans: 866.549.3583
Advice on new loans: 866.549.3583

Draw from your home equity
whenever you need to

Homebuying Rate Saver Event The Homebuying Rate Saver Event

The Pennymac HELOC is here.

Call 866.549.3583 for the details

Call 866.549.3583 for your limited-time lower
rate on a home purchase loan.*

Or, answer a few questions to get started

1. How will you use your cash?
Unplanned Expenses
Debt Consolidation
Home Improvement
Other
2. How would you rate your credit score?
Excellent (above 720)
Good (680-719)
Fair (620-679)
Needs improvement (under 620)
3. What type of home is this for?
Single Family
Townhouse or Condo
Manufactured
Other
4. How do you plan to use this property?
Primary residence (owner occupied)
Second home
Investment property
5. Approximately how much do you need?
$0-$50k
$51k-$150K
$151K-$250K
$251k+
6. Approximately how much do you still owe?
$0-$50k
$51k-$150K
$151K-$250K
$251k+
5. Where is your property?
Select State
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District Of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
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Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
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Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
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Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming

One last step: Let us know your contact info so
loan expert can reach out soon to help.


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to your new home.

We'll be in touch soon. Together, let's open the
door to the best loan and savings so you can
own your own happy place.

If you have any questions in the meantime,
give us a call at 866.549.3583

A+ Rating, Accredited Business, Better Business Bureau
5 Stars, LendingTree
4.5 Stars, Nerdwallet
Best Mortgage Lenders for First Time Homebuyers in 2026, Bankrate
Best Mortgage Lenders of 2025, CNET
4.9 Star Rating, Mobile App
Customer Service Award, USA Today
America's Best Financial Services of 2026, TIME
A+ Rating, Accredited Business, Better Business Bureau
4.5 Stars, Nerdwallet
4.9 Star Rating, Mobile App
Customer Service Award, USA Today
5 Stars, LendingTree
Best Mortgage Lenders for First Time Homebuyers in 2026, Bankrate
Best Mortgage Lenders of 2025, CNET
America's Best Financial Services of 2026, TIME
A+ Rating, Accredited Business, Better Business Bureau
5 Stars, LendingTree
4.5 Stars, Nerdwallet
Best Mortgage Lenders for First Time Homebuyers in 2026, Bankrate
Best Mortgage Lenders of 2025, CNET
4.9 Star Rating, Mobile App
Customer Service Award, USA Today
America's Best Financial Services of 2026, TIME
A+ Rating, Accredited Business, Better Business Bureau
5 Stars, LendingTree
4.5 Stars, Nerdwallet
Best Mortgage Lenders for First Time Homebuyers in 2026, Bankrate
Best Mortgage Lenders of 2025, CNET
4.9 Star Rating, Mobile App
Customer Service Award, USA Today
America's Best Financial Services of 2026, TIME
A+ Rating, Accredited Business, Better Business Bureau
4.5 Stars, Nerdwallet
4.9 Star Rating, Mobile App
Customer Service Award, USA Today
5 Stars, LendingTree
Best Mortgage Lenders for First Time Homebuyers in 2026, Bankrate
Best Mortgage Lenders of 2025, CNET
America's Best Financial Services of 2026, TIME
A+ Rating, Accredited Business, Better Business Bureau
5 Stars, LendingTree
4.5 Stars, Nerdwallet
Best Mortgage Lenders for First Time Homebuyers in 2026, Bankrate
Best Mortgage Lenders of 2025, CNET
4.9 Star Rating, Mobile App
Customer Service Award, USA Today
America's Best Financial Services of 2026, TIME
Equal Housing Lender Logo

Equal Housing Opportunity, PennyMac Loan Services, LLC,
3043 Townsgate Rd, Suite 200, Westlake Village, CA 91361, 818-224-7442.
NMLS ID # 35953. For licensing information, go to: www.nmlsconsumeraccess.org .

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Arizona Mortgage Banker License # 0911088. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Colorado office: 5500 South Quebec Street, Suite 260 Greenwood Village, CO 80111, (877) 215-2552. Massachusetts Mortgage Lender License # MC35953. Minnesota: This is not an offer to enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206 (3) & (4). Licensed by the N.J. Department of Banking and Insurance. Licensed Mortgage Banker-NYS Department of Financial Services. North Carolina Permit No. 119504607, 119505929, 119506567, 119506570, 119507419. Rhode Island Licensed Lender # 20092600LL, Loan Broker, and Third Party Loan Servicer. Texas office: 5025 Plano Pkwy, Carrollton, TX 75010. For more information, review Pennymac's state licenses and important notices. Not all property types qualify. Some loan products may not be available in all states. Information, property type eligibility, rates and pricing are subject to change without prior notice at the sole discretion of PennyMac Loan Services, LLC. Ask your loan officer for details. All loan programs subject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions apply. The information included in this communication is considered confidential and proprietary, and any unauthorized reproduction is prohibited. © 2026 Private National Mortgage Acceptance Company, LLC. Pennymac and all related marks are trademarks of Private National Mortgage Acceptance Company, LLC and/or its subsidiaries or affiliates. Use of Olympic footage authorized by the IOC and by the USOPC (36 U.S.C. § 220506). The use of Olympic Marks, Terminology and Imagery is authorized by the U.S. Olympic & Paralympic Committee and LA28 pursuant to Title 36 U.S. Code Section 220506. All third-party content is the property of its respective owners. All rights reserved. (10-2026)

This website may include combined information from PennyMac Financial Services, Inc. ("PFSI") and PennyMac Mortgage Investment Trust ("PMT") collectively Pennymac.

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Minimum initial draw of $25,000 or 75% of the total line, whichever is greater. Home Equity Lines of Credit (HELOCs) are subject to credit and property approval. Property insurance and valuation required. Origination and government fees apply. Annual, early termination and appraisal fees may also apply. Some paperwork required for application. Currently available on properties in Arizona, California, Delaware, Florida, Georgia, Oregon, South Dakota, Virginia or Washington. Other restrictions and limitations apply. Offer subject to change any time and without notice.

Consult with your tax advisor regarding the potential tax benefits and implications.

†Customer Appreciation Discount: Refinance your existing first lien mortgage with Pennymac and receive a $1,000 lender credit toward your closing costs. Get a new home equity loan or home equity line of credit (HELOC), or refinance an existing home equity loan with Pennymac and receive a $500 lender credit toward your closing costs. Credit is applied at closing, has no cash value, and cannot be used for principal curtailment. To qualify, your loan must be locked on or before 12/31/2026. Any Annual Percentage Rate (APR) (if shown) above includes this discount. If you do not qualify for the offer, the APR will be adjusted accordingly. Offer excludes third-party (wholesale) loans. In-process loans are also excluded if the offer was not present when the rate was locked. Offer is subject to credit approval and underwriting guidelines. HELOC discount valid only on properties in eligible states. Pennymac reserves the right to modify or cancel this promotion at any time without notice. This is not a commitment to lend.

Assumptions

The following assumptions reflect search criteria for Rates:

  • Loan purpose:  
  • Home value:  
  • Loan amount:  
  • Property state:  
  • Property county:  
  • Loan-to-value (LTV):  
  • Down payment:  
  • Cash out:  

The following assumptions reflect the search criteria:

  • Loan purpose:  
  • Property state:  
  • Property county:  
  • Lien position:  
  • Prepayment penalty:  
  • Property type:  
  • Property use:  
  • FICO:  
  • Refinancing may increase the length of your loan and the total amount of interest you pay over the life of your loan.
  • Closing costs paid out of pocket
  • Tax and insurance escrow account created
  • Loan Estimate issued within 3 days of application
  • Not all products and terms are shown
  • All rates and programs subject to loan underwriting and approval and may be subject to change depending on individual credit profile and other qualifications
  • Monthly payment does not include amounts for taxes, property insurance and mortgage insurance (where applicable). The actual payment obligation will be greater.
  • *The annual percentage rate ("APR") calculations on first-lien mortgage loan products in the tables are based on typical prepaid finance charges-actual charges may vary based on the terms of the loan and geographical area.
  • For ARMS, the APR, interest rate, and monthly payments may increase after the introductory interest rate period.
  • For VA Loans, VA funding fee required and will vary. Maximum loan guaranty amount varies per county. Contact the VA for the maximum loan guaranty amount for your county and for more information on the funding fee.
  • Discount points are charges paid to the lender voluntarily, usually at closing by the borrower or seller, to reduce the interest rate. One point is equal to 1% of the principal amount of the mortgage.

Conventional Mortgages:

FHA Mortgages:

Jumbo Mortgages:

VA Mortgages:

Assumptions display is temporarily unavailable.