Learning Center Page 3

Explore Pennymac's Learning Center for tips on mortgage rates, interest rates, home buying, refinancing & real estate. Stay informed to make smarter decisions.

Mortgage Basics

Start Smart: Your Plain-English Guide to Mortgage Terms, Processes, and Confidence.

Home Ownership

Master Your Home: Essential Tips and Expert Guidance for Every Homeowner's Journey.

Refinance

Refinance Smarter: Discover How to Save Big or Unlock Cash From Your Home's Value.

Home Equity

Leverage Your Wealth: Strategies for Building, Accessing, and Maximizing Your Home Equity.

Loan Types

Stay Ahead of the Curve: Expert Analysis on Loan Types, Rates, and Market Trends.

GSE Reform & National Housing Emergency

October 1, 2025

GSE Reform & National Housing Emergency

October 1, 2025

How To Improve Your Credit Score

Find out how to boost your credit score before buying a home—and explore loan options even if you have little or no credit history.

September 25, 2025

Everything You Want to Know About Adjustable-Rate Mortgages

Unsure if an adjustable rate mortgage is right for you? Get the inside scoop on the ARM and learn whether the risks of this loan type are worth the reward.

September 25, 2025

Do You Need 20% Down to Buy a Home?

Putting 20% down on a home is a “rule” that’s been around forever. But today, buying a home is a lot more flexible. Your down payment amount really depends on the type of loan you choose. And good news: there are several loan options, down payment assistance programs, and funding sources that can help you achieve your homeownership goals.

September 25, 2025

Pennymac Selects Vesta to Supercharge Its Mortgage Platform, Setting a New Industry Standard in Origination Technology

September 8, 2025

Pennymac Correspondent Group Expands Product Suite with Launch of Non-QM Offerings

Pennymac Correspondent Group Launches New Non-QM Offerings to Support Self-Employed and Non-Traditional Borrowers

September 3, 2025

Guide to What Happens After the Appraisal

The home appraisal can influence everything from a loan approval to the final sale price. In this guide, we'll break down what to expect during the appraisal and how to prepare for what's next.

August 29, 2025

PennyMac Financial Services, Inc. to Present at the 2025 Barclays Global Financial Services Conference

August 29, 2025