Drawn from the HTML mttr fetched, not a screenshot.page.md810 words, about 2,189 tokens
reCAPTCHA
# Your Partner in Home Loans & Mortgage Solutions
Claim your Customer
Appreciation Discount†
Claim your Customer Appreciation Discount
on any home equity loan or refinance.
[Claim My Discount](https://www.pennymac.com/mortgage-rates/home-loans?cont=discount&icn=public&zone=homepage&banner=hero&cname=claim_my_discount)
[Trustpilot](https://www.trustpilot.com/review/www.pennymac.com)
## How can we help?
[Access my equity](https://www.pennymac.com/mortgage-rates/home-equity-loans?icn=public&zone=homepage&banner=hero&cname=equity)
[Refinance](https://www.pennymac.com/mortgage-rates/home-refinance-loans?icn=public&zone=homepage&banner=hero&cname=refinance)
[Buy a home](https://www.pennymac.com/purchase?icn=public&zone=homepage&banner=hero&cname=purchase)
    
## Plan, Save, and Move with Confidence
### Save Now + Save Later on your next home
Get 2% off your rate year 1 then 1% off year 2. Also receive $1,000 off at closing + $2,000 if you refinance.
[Get my pre-approval](https://www.pennymac.com/purchase?icn=public&zone=homepage&banner=under+hero&cname=purchase_offer)
### Estimate your home’s value & current equity
See an instant estimate of your home’s current value and view recent home sales in your area
[Home value estimator](https://www.pennymac.com/home-value-estimator?icn=public&zone=homepage&banner=under+hero&cname=home_value)
### Find your home and earn $350 to $9,500 at closing
Connect with a top real estate agent and save when you buy, sell, or both.
[Find an agent](https://pennymac.homestory.co/)
## We're here to help, with experts by your side
###### Our loan experts will guide you, from start to finish
Your dedicated Pennymac Loan Officer will help you find the option that works best for you, and guide you throughout your journey.
[Find a loan officer](https://www.pennymac.com/find-loan-officer)
###### Apply online, at any time
Submit your application online and an expert will reach out to go over your options and help you with next steps.
[Apply Now](https://mac.pennymac.com/)
###### Find the solutions you seek: Let’s talk
Get all the information you need to make the right mortgage decisions, at the right time.
[866-549-3583](tel:1-866-549-3583)
Explore the library of resources designed to help you build your knowledge and plan ahead.
## Ready. Set. Own it.
Team USA athletes ask what you’ve been wondering about homeownership. Real loan experts have answers. Huddle up with Team Pennymac and get ready to own it like a champ.
[Watch now](https://www.pennymac.com/bring-it-home)
[Explore purchase loans](https://www.pennymac.com/purchasing)
[View refinance options](https://www.pennymac.com/refinancing)
[Estimate my home value](https://www.pennymac.com/home-value-estimator)
[Explore calculators](https://www.pennymac.com/mortgage-calculators)
[Resources & support](https://www.pennymac.com/my-account)
[Payment Assistance](https://www.pennymac.com/contact-us#loan-payments)
## We  our homeowners
#### over 5.6 million
Lifetime Customers
#### #3 Lender
In the U.S.***
#### $731 Billion
In Loans Serviced
## Read why people love Pennymac
Rated **out of 5** stars by our customers
reviews on
[](https://birdeye.com/pennymac-166257376505145)
## Our Journey to Greatness Begins With Home
## Our Journey to Greatness Begins With Home
## Our Journey to Greatness Begins With Home
INTRODUCING
Pennymac is honored to be the Official Mortgage Provider of the 2026 and 2028 U.S. Olympic and Paralympic Teams, and a Proud Supporter of Team USA and the LA28 Games. Together with our athletes, partners, employees and homeowners, we are Team Pennymac.
[Meet the team](https://www.pennymac.com/team-usa)
### Today's rates
View today’s rates. Personalize your results to see what your mortgage payment could be in certain scenarios.
[Personalize My Rate](https://www.pennymac.com/rates)
[Get Started](https://www.pennymac.com/rates)
| Mortgage Type | Rate | APR* | Points |
| --- | --- | --- | --- |
| Conventional 30 year fixed | | | |
| FHA 30 year fixed | | | |
| VA 30 year fixed | | | |
| | | | |
*View Assumptions
Rates valid on: and are subject to change without notice. Your actual rate may change dependent on a variety of financial factors. Please keep in mind that the mortgage rates shown above are based on certain assumptions, which may differ from your personal home loan scenario.
#### Want to stay in the know about today's interest rates? Sign up for emails and get updates directly in your inbox!
#### Your info has been received!
Thanks for signing up for Pennymac updates! If you have any questions about
our rates, mortgages, etc., you can always call us at [866.549.3583](tel:1-866-549-3583) .
#### Sorry, but something went wrong
Please refresh the page and try again. Or if you have any questions about
our rates, mortgages, etc., you can always call us at [866.549.3583](tel:1-866-549-3583) .
## Featured Articles
[Real Estate and Mortgage Glossary There are so many unique terms and abbreviations used in the homebuying process that it quickly becomes confusing. But it doesn't have to be. Learn common words, acronyms, and phrases used in the mortgage and real estate buying process. September 30, 2026 Read More](https://www.pennymac.com/blog/real-estate-mortgage-glossary)
[Pre-Qualified vs. Pre-Approved: The Differences Explained Discover the differences between pre-qualification and pre-approval in the home-buying process. Learn why both steps matter. Talk to a Pennymac expert today! September 29, 2026 Read More](https://www.pennymac.com/blog/pre-qualified-vs-pre-approved-mortgage)
[Documents You Need for a Home Loan Application Gathering the right documents can help make your home loan application process smoother. Learn what paperwork lenders may review. September 24, 2026 Read More](https://www.pennymac.com/blog/documents-you-need-for-home-loan-application)
An agent gets this page whole: its own text is in the HTML the server sends.
The figures
100 pages, set against the 167,893 sites with figures.
Readablehigher is better
100%100 of 100 pages
All 167,893 sitesBetter than 47%
Pages whose own text is in the HTML the server sends, enough of it for their kind.
Cleanhigher is better
67%middle page
All 167,893 sitesBetter than 45%
Of the words before script, the share that are the page and not menus, footer and forms.
Costshown, never scored
344,496tokens
About 3,445 a page
To read every page once. A long page that answers well is not worse for it. Tokens are estimated at about 4 characters each.
How its pages spread on Clean
Its middle, 67%
6439463011
0%25%50%75%100%
100 pages measured.
Against its rivals
The sites nearest it by what they do, with figures. Close means similar work, not better.
No site near it by what it does has figures yet.
AI crawler access
What robots.txt says to each, as read on October 24, 2026. 8 of 8 may read the site.
pennymac.com in Agent View: 100% of pages readable, better than 47% of sites; 67% clean; 344,496 tokens to read all 100 pages. mttr.si/agent-view/pennymac.com
What to do next
Fix the pages, let an agent do it, and read the site again to see the figures move.
Fix what agents miss
0pages lose something
No page loses anything an agent needs. The action plan has the site’s other fixes.
Drawn from the HTML mttr fetched on its read of October 24, 2026, not a screenshot, and only from the 100 pages read, where the read stopped at its page limit. An assistant’s own reader may differ. Tokens are estimated at about 4 characters each. A site an agent reads well is not a site an assistant cites.
