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PennyMac is not currently licensed to offer purchase or refinance loans in the state of New York. If you'd like to learn more about all of your loan options, call us at (866) 549-3583 . × Your search results for – Page of Loading... Previous Page of Next Compare Loan Options Home / Compare Loan Options Apply Now Call Us: (866) 549-3583 Request a Call Speak with a Licensed Loan Officer Enter your contact information below and a loan officer will reach out to you to assist you with the loan process and answer any questions. Or call us now at (866) 549-3583 × Loading... First Name: Last Name: Email Address: Phone Number: Property State: Property State - Select One Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming What are you interested in? Purchase Refinance Are you a PennyMac customer? Yes No Contact Me Communications Consent: By clicking the Contact Me button, I agree that I am providing an electronic signature authorizing PennyMac Loan Services, LLC and its agents (PennyMac) to contact me for telemarketing and informational purposes at the telephone number provided, even if I have previously registered on a corporate, state or national Do Not Call registry. I have authority to provide this consent because I am the subscriber of the telephone number or I am a customary user who has authority to consent to these communications. I also agree that PennyMac may contact me using an automatic telephone dialing system or an artificial or prerecorded message, or text messages, even if the number is connected to a service for which I am charged. I understand that I am not required to provide consent as a condition of loan consideration or approval. Cancel Compare Loan Options Home loans aren't one-size-fits-all. Whether you're a first time homebuyer or refinancing your home to save on your monthly payments, PennyMac Loan Services has a wide range of mortgage options to suit your unique needs. See the table below to compare a few key components over a range of mortgage options or, if you already know the details of what you're looking for, click the button to get a customized rate quote. Get a Customized Rate Quote Loan Options Low Down Payment Fixed Rate Option Flexible Terms Easier To Qualify Conventional Loans 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. Rates & More Info  Get Started FHA Loans The Federal Housing Administration (FHA) mortgage program is managed by the Department of Housing and Urban Development (HUD), which is a division of the federal government. While these kinds of loans are typically most popular with first-time homebuyers, FHA loans are available to all types of borrowers. Rates & More Info Get Started VA Loans 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. Rates & More Info Get Started USDA Loans The United States Department of Agriculture (USDA) offers a loan program for borrowers who meet certain income requirements and live within designated "rural" areas. This type of mortgage loan is designed for borrowers who have a steady, low or modest income, and yet are unable to secure a conventional loan. There are income restrictions on these types of loans, which vary by county. Rates & More Info  Get Started Investment Property Loans If you're looking to purchase a single-family, townhome, condo, or multi-unit property with the intention of earning a return on the investment, an investment loan may be just what you need. Rates & More Info   Get Started Loan Options Conventional Loans 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. Rates & More Info Low Down Payment Fixed Rate Option Flexible Terms Easier To Qualify FHA Loans The Federal Housing Administration (FHA) mortgage program is managed by the Department of Housing and Urban Development (HUD), which is a division of the federal government. While these kinds of loans are typically most popular with first-time homebuyers, FHA loans are available to all types of borrowers. Rates & More Info Low Down Payment Fixed Rate Option Flexible Terms Easier To Qualify VA Loans 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. Rates & More Info Low Down Payment Fixed Rate Option Flexible Terms Easier To Qualify USDA Loans The United States Department of Agriculture (USDA) offers a loan program for borrowers who meet certain income requirements and live within designated "rural" areas. This type of mortgage loan is designed for borrowers who have a steady, low or modest income, and yet are unable to secure a conventional loan. There are income restrictions on these types of loans, which vary by county. Rates & More Info Low Down Payment Fixed Rate Option Flexible Terms Easier To Qualify About Our Home Loan Options It's important to compare mortgage options when you're looking for a new loan. One of the benefits of working with PennyMac is that you get a full range of products so you can compare home loan options and find the one that is best suited to your profile and financial goals. Whether you need to find a loan that allows a lower down payment or you require a flexible term, PennyMac will work with you to find the loan that is right for you. Resources & Tools How Much is That House Really Worth? Whether you're checking the value of a house you want to buy or the house you need to sell, check our Home Value Estimate to get fast, free home estimates and recent sales information on any property. Loan Calculators Armed with today's rates and information on loan programs, you'll be able to crunch the numbers before chatting with one of our licensed loan officers. 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