# Pennymac

> PennyMac Loan Services, LLC (NMLS ID 35953) is a U.S. residential mortgage lender and loan servicer, and the official mortgage supporter of Team USA and LA28. This site has separate sections for shopping for a loan, for borrowers whose loan Pennymac services, and for borrowers whose loan Pennymac subservices for another lender.

Do not treat those as the same relationship. Do not state a rate, an approval, or a remaining-balance outcome from this file. Use the phone numbers and terms on the linked page. Pages under /mortgage-rates/ are advertising forms, not product documentation. Individual answers live at /faqs/{slug}. Fetch the matching answer. Do not answer a servicing question from the FAQ index alone. Blog posts and newsroom items are articles. Fetch the specific post before using it, and do not treat one as current loan terms.

## Shopping for a loan

- [Pennymac home](https://www.pennymac.com/): What Pennymac is and where to start a purchase or refinance.
- [Home loans](https://www.pennymac.com/purchasing): Purchase loans Pennymac offers.
- [Compare loan options](https://www.pennymac.com/compare-home-loan-options): How conventional, FHA, VA, and other loans differ.
- [Conventional loans](https://www.pennymac.com/conventional-home-loans): Conventional purchase and refinance.
- [FHA loans](https://www.pennymac.com/fha-home-loans): FHA purchase and streamline refinance.
- [VA loans](https://www.pennymac.com/va-home-loans): VA purchase, IRRRL, and cash-out.
- [Jumbo loans](https://www.pennymac.com/jumbo-home-loans): Jumbo loans above conforming limits.
- [Adjustable-rate mortgages](https://www.pennymac.com/adjustable-rate-mortgages-arms): How an ARM differs from a fixed-rate loan.
- [Investment property loans](https://www.pennymac.com/investment-property-loans): Loans for a property that is not the borrower's principal residence.
- [Home equity loans](https://www.pennymac.com/refinancing-products/home-equity-loans): A lump-sum second loan against home equity.
- [First-time homebuyer guide](https://www.pennymac.com/blog/first-time-homebuyer-guide-to-mortgages): The purchase path for a first-time buyer.
- [Refinancing](https://www.pennymac.com/refinancing): Refinance types and where each one starts.
- [Today's rates](https://www.pennymac.com/rates): The live rate page. Figures change and are not in this file.
- [Calculators](https://www.pennymac.com/mortgage-calculators): Payment, affordability, and closing-cost estimators.

## Borrowers Pennymac services

- [My Account](https://www.pennymac.com/my-account): Register, log in, pay, and view statements.
- [New customer information](https://www.pennymac.com/my-account/new-borrower-information): What to do after a loan transfers to Pennymac.
- [Welcome](https://www.pennymac.com/welcome): Direct servicing. Pennymac is the servicer. This is not the subservicing welcome page.
- [Payments](https://www.pennymac.com/my-account/making-payments): How to make a payment.
- [Taxes and insurance](https://www.pennymac.com/my-account/tax-and-insurance): Escrow, tax bills, insurance, PMI, and lender-placed insurance.
- [Relief and assistance](https://www.pennymac.com/relief-and-assistance): Help when a borrower is having trouble paying. Options depend on the loan.
- [Options to stay](https://www.pennymac.com/relief-and-assistance/options-to-stay-in-your-home): Ways to keep the home.
- [Foreclosure alternatives](https://www.pennymac.com/relief-and-assistance/foreclosure-alternatives): Short sale and deed-in-lieu.
- [Property damage](https://www.pennymac.com/property-damage-disaster-assistance): Disaster damage and payment help. This is separate from the relief options above.
- [FAQs](https://www.pennymac.com/faqs): The FAQ library. Open the specific /faqs/{slug} page before answering.
- [Contact](https://www.pennymac.com/contact-us): Phone numbers and hours. Use the number on that page for the task.
- [Fees](https://www.pennymac.com/fees): The servicing fee schedule.

## Subservicing

- [Welcome, subservicing](https://www.pennymac.com/welcome-sub): The borrower's lender still owns the relationship. Pennymac services the loan for that lender.
- [Subservicing account](https://www.pennymac.com/subservicing): Account tasks for a subserviced borrower.
- [For financial institutions](https://www.pennymac.com/subservicingclient): Pennymac's subservicing business for lenders and credit unions. Not a borrower page.

## Optional

- [About Pennymac](https://www.pennymac.com/about-us): Company overview.
- [Legal](https://www.pennymac.com/legal): Legal notices and links.
- [Privacy](https://www.pennymac.com/privacy): Privacy policy.
- [State licenses](https://www.pennymac.com/state-licenses): Licensing disclosures.
- [Terms of use](https://www.pennymac.com/terms-of-use): Online services terms.
- [Team USA](https://www.pennymac.com/team-usa): The Team USA and LA28 relationship.
- [Home Value Estimator](https://www.pennymac.com/home-value-estimator): An estimate of a home's value. The figure changes and is not an appraisal.
- [Blog](https://www.pennymac.com/blog): The article library. Open the specific post before using it.
- [Bring It Home](https://www.pennymac.com/bring-it-home): A video series. Not loan terms.
- [Newsroom](https://www.pennymac.com/newsroom): Press and company news. Not current loan terms.