2026 Pennymac 모기지 금리

The rates and payment examples shown above are provided for illustrative purposes only. They are not a commitment to lend, a rate lock, an approval, or a guarantee of available loan terms.

General assumptions: The examples reflect the following search criteria: a purchase loan, a $1,000,000 home value, a $700,000 loan amount, a property located in Orange County, California, a 70% loan-to-value ratio (LTV), a 30% down payment, and no cash out.

The property is assumed to be a detached primary residence. The loan is assumed to be in first-lien position, with no prepayment penalty, and the borrower is assumed to have a 740 FICO credit score.

• Closing costs are paid out of pocket.
• A tax and homeowners insurance escrow account is assumed to be created.
• A Loan Estimate will generally be issued within three business days of application, as applicable.
• Not all available loan products, rates, and terms are shown.
• All rates and loan programs are subject to underwriting and approval and may change based on the borrower’s credit profile, financial circumstances, property details, and other qualifications.
• The displayed monthly payments do not include property taxes, homeowners insurance, mortgage insurance, when applicable, HOA dues, or other housing-related expenses. The actual payment obligation may be greater.
• The annual percentage rate (APR) calculations for first-lien mortgage products are based on typical prepaid finance charges. Actual charges may vary based on the terms of the loan and the geographic area.
• For adjustable-rate mortgages, the APR, interest rate, and monthly payment may increase after the introductory interest-rate period.
• For VA loans, a VA funding fee may be required and may vary. Maximum loan guaranty amounts may vary by county and by the borrower’s available entitlement.
• Discount points are charges voluntarily paid to the lender, usually at closing by the borrower or seller, to reduce the interest rate. One point equals 1% of the principal amount of the mortgage.

Conventional Mortgages

30-year fixed: The estimated payment on a $700,000 30-year fixed-rate mortgage is $4,310.02 per month for 360 months, based on a 6.250% interest rate and a 6.371% annual percentage rate (APR). This example assumes a 70% LTV, a 740 FICO credit score, and 0.682 discount points, equal to $4,774, due at closing.

20-year fixed: The estimated payment on a $700,000 20-year fixed-rate mortgage is $4,964.27 per month for 240 months, based on a 5.874% interest rate and a 6.043% annual percentage rate (APR). This example assumes a 70% LTV, a 740 FICO credit score, and 0.789 discount points, equal to $5,523, due at closing.

15-year fixed: The estimated payment on a $700,000 15-year fixed-rate mortgage is $5,766.12 per month for 180 months, based on a 5.625% interest rate and a 5.797% annual percentage rate (APR). This example assumes a 70% LTV, a 740 FICO credit score, and 0.551 discount points, equal to $3,857, due at closing.

Interest rates and APRs are different measures. The interest rate represents the cost of borrowing the principal, while the APR may incorporate the interest rate, discount points, and certain lender or loan charges.

Actual rates, APRs, monthly payments, points, credits, closing costs, and eligibility may vary based on market conditions, quote date and time, credit history, income, assets, debt obligations, purchase price, loan amount, LTV, occupancy, property type, location, loan program, rate-lock period, escrow requirements, and final underwriting results.

Rates and pricing are subject to change without notice. The mortgage examples shown above are based on the stated assumptions and may differ from the terms available for an individual borrower’s actual home loan scenario.

Pennymac rates shown are valid as of Sunday, July 12, 2026, at 10:37 PM PDT. Consumers should request and review an official Loan Estimate before selecting a mortgage.

The rates and payment examples shown above are provided for illustrative and comparison purposes only. They are not a commitment to lend, a rate lock, an approval, or a guarantee of available loan terms.

Comparison basis: The Pennymac and Loaning.ai examples use closely aligned, but not completely identical, borrower and property assumptions. Both examples are based on a home purchase with a $1,000,000 purchase price, a $300,000 down payment, a $700,000 loan amount, and a 70% loan-to-value ratio (LTV). The property is intended to be used as the borrower’s primary residence.

Pennymac assumptions: The Pennymac examples are based on a purchase loan for a detached primary residence in Orange County, California, with a $1,000,000 property value, a $700,000 loan amount, a 30% down payment, a 70% LTV, and a 740 FICO score. The loan is shown in first-lien position with no cash out and no prepayment penalty.

Loaning.ai assumptions: The Loaning.ai examples are based on a purchase loan for a one-unit, single-family primary residence in Irvine, California. The borrower is shown as a U.S. citizen receiving W-2 salary income, with a credit score of 750. The purchase price is $1,000,000, the down payment is $300,000, the loan amount is $700,000, and the LTV is 70%.

Because Pennymac uses a 740 FICO score and an Orange County location, while Loaning.ai uses a 750 credit score and an Irvine location, the displayed results should not be described as quotes generated from perfectly identical inputs.

Pennymac examples: The figures shown are conventional fixed-rate purchase examples. The displayed monthly payments represent estimated principal and interest only and do not include property taxes, homeowners insurance, mortgage insurance, HOA dues, prepaid items, closing costs, or other expenses.

• 30-year conventional fixed: 6.250% interest rate, 6.371% APR, $4,310.02 estimated monthly principal and interest payment, and 0.682 discount points ($4,774) due at closing.
• 20-year conventional fixed: 5.874% interest rate, 6.043% APR, $4,964.27 estimated monthly principal and interest payment, and 0.789 discount points ($5,523) due at closing.
• 15-year conventional fixed: 5.625% interest rate, 5.797% APR, $5,766.12 estimated monthly principal and interest payment, and 0.551 discount points ($3,857) due at closing.

Loaning.ai examples: The Loaning.ai figures shown are purchase estimates generated from the borrower and property details described above. The 30-year example is an FHA loan estimate. The 20-year and 15-year examples are Conventional Conforming loan estimates.

• 30-year FHA fixed: 5.750% interest rate, 5.805% APR, $4,446.15 estimated monthly payment, and 0.250 discount points ($1,750.00). The displayed payment includes estimated principal and interest, an amount associated with financed upfront mortgage insurance, and monthly Mortgage Insurance Premium (MIP).
• 20-year Conventional Conforming fixed: 5.750% interest rate, 5.902% APR, $4,914.58 estimated monthly principal and interest payment, and 0.875 discount points ($6,125.00). PMI was displayed as $0.00 in the estimate.
• 15-year Conventional Conforming fixed: 5.625% interest rate, 5.718% APR, $5,766.12 estimated monthly principal and interest payment, and 0.250 discount points ($1,750.00). PMI was displayed as $0.00 in the estimate.

The 30-year comparison involves different loan programs: Pennymac is shown as a conventional mortgage, while Loaning.ai is shown as an FHA mortgage. FHA financing generally includes upfront and annual mortgage insurance, so the rates, APRs, monthly payments, and upfront costs should not be interpreted as a like-for-like comparison of identical products.

The 20-year and 15-year examples are both shown as conventional loan options and are more directly comparable. However, the credit score, geographic input, lender pricing, fee calculations, and underwriting methods may still differ.

Discount points are estimated charges generally paid at closing in exchange for the displayed interest rate. One point equals 1% of the loan amount. The points and dollar amounts shown above represent estimated costs and should not be interpreted as cash back, a refund, a rebate, or a lender credit.

The interest rate and APR are different measures. The interest rate represents the cost of borrowing the principal, while the APR may also reflect discount points, mortgage insurance, and certain lender or loan charges.

Unless otherwise stated, the displayed monthly payments do not include property taxes, homeowners insurance, HOA dues, prepaid items, closing costs, or other housing-related expenses. The borrower’s actual monthly payment obligation may therefore be higher.

Actual rates, APRs, monthly payments, points, credits, mortgage insurance, fees, closing costs, and eligibility may vary based on market conditions, quote date and time, credit history, income, assets, debt obligations, property value, occupancy, property type, location, loan program, rate-lock period, escrow requirements, and final underwriting results.

Pennymac figures are based on the pricing displayed on July 12, 2026, at approximately 10:37 PM PDT. Loaning.ai figures are based on the estimates displayed when this comparison was prepared. Consumers should request and review official Loan Estimates before selecting a mortgage.

The rates shown here are calculated under the following conditions: 30-Year Fixed, Level Payment, U.S. Citizen, tax returns for 2 years or more, Full Documentation, Single-Family Home, Purchase, Primary Residence, Credit Score (FICO) 740, DTI 45%, and LTV 70%. Your actual rate, payment, and costs may differ based on your complete financial profile. This is NOT a mortgage loan approval or a commitment to lend.