We recently closed our second loan through PennyMac. The first time was just luck but this second time we chose them. PennyMac keeps their loans in house and does not sell them to others which makes for consistent, predictable loan service. While I am sure all of their associates are gifted and talented we worked with Randall Alford and I couldn't ask for better

I refinanced my loan with PennyMac. They were timely, fit into my busy schedule, and patiently answered all my questions. It was a smooth process and I never had trouble getting ahold of someone by phone or email. High marks to the team!