Lending partner · National lender
PennyMac — a broad-menu lender we shop.
PennyMac is a large national lender we have access to as a broker, with a wide range of conventional and government loan programs. We shop them alongside many lenders to fit your file.
A national lender with a wide loan menu.
PennyMac is a large national lender with a broad menu of conventional and government loan programs — including FHA and VA. That range makes them a useful option to have in the mix for many everyday purchase and refinance scenarios.
But a single lender, however big, can only offer its own loans. Choice Home Mortgage is a broker, not a bank — so we put PennyMac in competition with hundreds of other lenders for your file. You end up choosing from the best of many options, not taking one institution’s rate sheet as-is.
We’ve done this since 2005, and owner Esther Buede handles your file personally. Whether you’re buying or refinancing, start here and we’ll shop the lenders for you.
PennyMac, answered.
What loan programs is PennyMac known for?
PennyMac is a large national lender with a broad menu of conventional and government loan programs, including FHA and VA. As a broker, we can access their programs and compare them against other lenders to find your best fit.
Why shop PennyMac through a broker instead of going direct?
A single lender can only offer its own loans. As a broker, we put PennyMac in competition with hundreds of other lenders for your file — so you're choosing from the best of many options rather than taking one institution's rate sheet as-is.
Will my loan definitely go to PennyMac?
Not necessarily. We shop your file among many lenders and place it with whichever one fits best — that might be PennyMac or another partner. The point of a broker is that you're not locked into one lender before we've seen your situation.
One file, many lenders shopped.
PennyMac is one option of many. One call with the owner and we'll compare lenders to find your fit — no queue, no pressure.