https://www.goppennymac.com/  | Internet Explorer Only (?) | User Name:  [email protected] | Password:  Outlook2!  |

This provides View Access to their site.  To makes changes, first discuss that with your processor.

Other Tips:  You must click Go To Portal from the gopennymac.com page.

If you are having trouble reaching the site: The computer must be in compatibility mode.  For that, you may need to click the icon at the top right of the screen and click Compatibility View Settings.  This will open a box where you can add gopennymac.com to your Compatibility View.

PennyMac is a large national investor.  They recently rolled out FHA/VA on their non-delegated platform.  Great pricing on those programs.  They should be a lead government investor, however, they do have some government overlays.  They also provide Conforming and Jumbo loan options.

Account Executive: Douglas 'Jack' Dyles | Manager I, Pipeline Accounts. PennyMac Non Delegated

Office: 813-291-3286
Email: [email protected]
Corporate NMLS# 252869
www.GoPennyMac.com

If you can't reach Jack, Additional Contact: Christina Singleton | 813-710-9901 | [email protected]

Penny Mac Non-Del Contact Sheet Linked Here (Maybe out-dated) 

Agency Correspondent Group Overlays

Government Correspondent Group Overlays

FHA Overlay for DTI and FICO

Penny Mac Government and Conventional Overlay Matrix's

Texas Only SRP Schedule 

Penny Mac SRP Schedule

Delegated Vs. Non-Delegated With Penny Mac: You can do delegated and non-delegated, however, the admin fee for a non-delegated file goes up to $1,095 vs. $895.  The Delegated Fee for loan purchase is $350.00.

EPO for Penny Mac (Early Payoff Period):  180 Days from PNMC purchase of the loan to the payoff date.

Update to EPO Policy 3/2/2021:

Link to Announcement PDF

Link to Updated Delegated Seller's Guide

Penny Mac - How To Make A Payment Information (PDF)

The website with First Payment Info Linked Here

Instructions your Borrower will Receive:

VA IRRRL Appraisals:  Go to http://www.pennymacusa.com Click Refinance a Home 

PDF Of Penny Mac's VA IRRRL Guidelines Linked Here

IRRRL Appraisal Option- Click Here

NETTING ESCROWS: For Penny Mac To Penny Mac Refinances:

The payoff statement can be ordered to net the escrows from the balance of the payoff.

This will reduce the payoff balance, and the borrower's cash to close...they don't have to wait for the escrow refund check.