1. Penny Mac Usa Com
2. Penny Mac Usa Reviews

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A better way to apply.

PennyMac has changed the home loan experience. Our 24/7 mortgage access center keeps you connected and informed. With this new best-in-class technology, m.a.c is all your mortgage needs under one roof!

• Get pre-qualified
• Complete an application
• Check your loan status
• Upload documents

Penny Mac Usa Com

Apply Online

Log in to our Mortgage Access Center (m.a.c) anytime, anywhere! It’s the fast, easy way to stay up-to-date through your loan experience. You’ll receive status notifications via email, and update calls from your dedicated m.a.c team.

Make your home loan experience faster and easier:

• Use WorkNumber® verification to quickly access W-2s from your employer.
• Get your Credit Score!
• Securely upload important documents.
• Reach out to your dedicated m.a.c team by calling (844) 917-3669.
• Import bank statements from your online banking account.

Your Home Loan Process

Who will receive my information and how will my documents be stored?

When your information and documents are securely submitted through the Mortgage Access Center (m.a.c), they are safely transferred to our internal systems, where our team will work directly on your loan. PennyMac adheres to the highest security standards; for more details on how your information is stored and shared, please review our privacy policy.

How do I reset my password?

To reset your Mortgage Access Center (m.a.c) password.

• Select Forgot password? on the Login Page
• Input your username and select Continue.

A verification code will be sent to the email address on file.

• Enter your code to verify.
• Answer your three security questions.
• Create a new, secure password.

Once all steps are successfully completed, you will be able to log in with your new password.

What is two-step verification?

At PennyMac, security is our highest priority. Two-step verification (also known as two-factor authentication) adds an extra level of protection during the initial login process. Once your account is set up, to sign in you will need your password and a verification code. This code is sent to your phone via voice call, text or the google authenticator mobile app and is valid briefly for your initial login.

Two-step verification will only be required on the initial login for each new device.

Does my co-borrower need an account?

Penny Mac Usa Reviews

For security purposes, the Mortgage Access Center (m.a.c) allows for only one login/account per application. Your co-borrower can provide their information in the primary account.

How long does the application process take?

It takes just minutes to submit a complete application, including document review and upload. A pre-approval for a purchase can be even less. The entire loan experience may take between 45-60 days depending on the lender; using our mortgage access center may reduce the time spent on communication, document collection, and review.

Let PennyMac's exclusive programs
power your success

Perfect Rate

Don’t get stuck selling rates at the eighths. Perfect Rate allows you to fine tune pricing down to the .001% for your customers on fixed-rate loans.

• Tailor rates down to the thousandth
• 3.088%, 2.874%, 2.124%—you name it!
• Available on Conventional and Govt. fixed-rate loans

Perfect Term

With the ability to customize down to the exact month, you can be confident your borrowers will get the Perfect Term for their situation while you get a competitive advantage.

• More flexibility equals more successful solutions
• 146 months? 293 months? 312 months? Yes, yes and yes.
• Available on fixed-rate loans nationwide

Net Escrows

With 1.8 million+ consumers in our servicing portfolio, chances are you run into many loans we service. Together we can help refi customers by deducting the funds from the payoff of the current mortgage.

• Less cash to close!
• Available on refinances of PennyMac loans
• Escrow accounts are netted from the pay-off
• Incredible benefit of working with one of the largest servicers in the industry

Unmatched Service

You need to get borrowers to the closing table quickly and we make sure you do. You won’t find a lender as committed, as consistent and as efficient as we are. Or one who supports you with higher quality broker service than PennyMac. We call it “unmatched” service because we believe it’s the best in the industry.

• Condition accuracy, clean approvals
• Personal service means direct access to our closing team and your Broker Operations Manager (BOM)
• Get to closing sooner with our consistent and easy submission process. Don’t have to send extraneous documentation for conditions.
• No waiting for wires at title: don’t have to send documents back to us and wait for us to review

Optimize

Give your borrowers the best MI pricing. Our POWERful best-x solution, OPTIMIZE, automatically delivers the most competitive MI pricing available, taking the guesswork out of the MI selection process.

• Automatically delivers the most competitive pricing
• BPMI automatically delivers best price within BPMI options
• LPMI launches a best-x search between all LPMI options

Peak Performance

Take your business to new heights with our Peak Performance Program! With three levels — Base Camp, Ascent and Summit — the higher you climb, the greater your perks and benefits. Your personal scorecard tells you where you're at in the program and that you may have access to:

• Improved pricing
• Complimentary rate lock extensions
• Relock fee waivers
• One-time float downs
• EPO waiver

Conventional Loans

• DU and LPA allowed
• Fixed rate (standard & high balance)
• Flexible terms from 85 to 360 months
• FICO down to 620 with AUS approval
• Appraisal waivers accepted
• Up to 97% LTV for first-time home buyers (DU Only)
• HomeReady® program available
• Home Possible® program available
• HomeOne™ program available

FHA Loans

• Down payment assistance allowed from government agencies
• Fixed rate (standard & high balance)
• Flexible terms from 120 to 360 months
• No appraisal needed for FHA Streamline refinances
• FICO down to 620 with AUS approval

VA Loans

• Loan balances up to $1.5M with qualifying VA Guarantee
• Flexible terms from 120 to 360 months
• No maximum LTV and CLTV on VA IRRRLs
• VA IRRRL and cash-out refinances
• Purchase transactions

The POWER to grow your business.

Backed by one of the top lenders in the country, PennyMac works with you and puts our POWER technology to work for you to help you grow your business. One of the most innovative broker portals around, POWER, with its easy-to-use pricing scenario and intuitive pipeline, extended lock hours and real-time indexing, is one more way we give you a much-needed competitive edge.

Words are POWERful:
Hear from real Broker Partners.

'I just wanted to reach out an let you know how happy we are working with Pennymac and Team... What we have with Pennymac is what others don’t. FANTASTIC communication'

AJ C.
July 17, 2020

'Thank you to you and your team for all the hard work and great service. You are making us look too good in front of our customers. It’s much appreciated.'

John M.
April 11, 2020

'Thanks so much! You all have been so great to work with. Excellent service! Your process seems to be the best we've seen in a long time!'

Michael M.
June 27, 2020

Why PennyMac?

Over the last 12 years, if we’ve learned one thing, it’s that working smarter, not harder, is the key to growing our business and our servicing portfolio of 1.8 million+ loans. As a result, we have become the nation’s fastest-growing wholesale lender with a commitment to the broker channel that is unmatched. Ready to experience that commitment? Become a PennyMac broker partner.

As a PennyMac broker partner you get something you won’t get from any other lender: a highly specialized Broker Operations Manager (BOM). An ally and technical mortgage expert, your dedicated BOM is your single point of contact from start to finish. They’re there for you and your borrower with consistency, accuracy, advocacy and efficiency. Work with them once and you’ll see why they’re called “the BOM.”

Being 100% consistent, a genuine business partner, being transparent, and by being committed to the market and to the broker community.

Offering you our monthly “POWER Your Business Webinar Series” to educate you on the market landscape and help you stay on top of industry trends.

Supporting you with the best tools and technology, business plans, best practice sharing, and the most dedicated customer service team in the industry.