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Making a Payment is Easy!

PennyMac offers a variety of quick, easy, and secure payment options to suit your needs. Watch the video to see what’s available.

PennyMac AutoPay is a convenient, economical and efficient way to make your monthly mortgage payment. No checks, no stamps, no worry. Using this method, your payments are automatically deducted every month on the date that you choose.

To sign up for this service:

Log in to your PennyMac account and choose “Make a Payment” followed by Automatic Payments.

Follow the quick and easy three step process to enroll. You will need your bank account and routing number to sign up for this service.

Go Paperless: Simplify your mortgage with 24/7 access to all your statements. Log in to your PennyMac account, select 'Account Settings' then 'Paperless Preferences' and 'Online Only.' You can always switch back if you miss all the paper.

Online Single Payment

From your computer, tablet or smartphone use our convenient ‘One-Time Payment’ option to make your mortgage payment online from your checking, savings account or debit card.

Log in to your PennyMac account from any browser or Download the PennyMac Mobile app from the App Store. Choose ‘Make a Payment’ followed by ‘One-Time Payment’.

Follow our easy two-step process to make your payment using your bank account or debit card. Once you sign-up for PennyPaperless, you may choose any eligible payment date without a fee. To view all payment options, click here.

As permitted by state law, if you are not signed up for PennyPaperless and make a one-time payment after the first 10 days of your grace period, you will be charged $5.


How To Make a Payment Free of Charge:

  • Sign up for PennyPaperless and pay online choosing any available effective date
  • Pay online selecting any effective date within the first 10 days of your loan’s grace period
  • Enroll in PennyMac AutoPay
  • Use our Automated Phone System to schedule your payment
  • Mail us a check (scroll just below to Pay by Mail for address info)

Pay by Mail

Mac Account For Free

Please include your loan number when mailing your payment. If your loan was recently transferred to PennyMac and you haven't yet received a PennyMac payment coupon, send your payment to the appropriate address below.

Standard Payment Address:
PennyMac Loan Services, LLC
PO Box 30597
Los Angeles, CA 90030-0597
Overnight Payment Address:
PennyMac Loan Services
Attn: Lockbox Operations POB 30597
20500 Belshaw Ave.
Carson, CA 90746

Pay by Phone

Use our automated phone system to make a One-Time Payment directly from your checking or savings account, free of charge. You can also speak with one of our Customer Service Representatives, in which a fee might be incurred.

Call us at (800) 777-4001.

Western Union Quick Collect

Use Western Union to ensure immediate receipt of your payment. Find the nearest Western Union location. Western Union is formless—just bring your loan number to the service counter to complete your payment.

Impacted by a natural disaster?

If a natural disaster, accident or other event has damaged your home or created a financial hardship, we are here to help.

Go Paperless

Managing your mortgage just got easier. Get notified as soon as your statement is ready and have 24/7 access to everything online. Log in and select 'Account Settings' then 'Paperless Preferences' and 'Online Only.'

Mac Account For Free

PennyMac customers:

  • PennyMac does not charge fees for a modification or other loss mitigation plans when you are facing a delinquency.
    • PennyMac will work with you to ensure every option possible is explored to retain homeownership. No fees. No strings.
  • PennyMac does not accept payments from Money Gram.
  • Funds are always payable to PennyMac and not to an individual.
  • PennyMac does not accept gift cards as payment and will not call you and ask for a gift card number.
    • Anyone who demands payment via gift card is always a scammer. Gift cards work like cash, once you’ve provided the number you will not be able to get your money back.
    • Don’t be fooled! To learn more about Gift Card Scams, read the Federal Trade Commission’s article.

PennyMac will work with you to ensure every option possible is explored to retain home ownership. No fees. No strings.

ZipBooks is the best free accounting software for Mac. Sign up for a free account and gain access to our professional design, simple invoicing, and time tracking capabilities. ZipBooks can help your business accomplish its financial goals today.

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True Fact: ZipBooks users spend 15% less time on mundane bookkeeping tasks.

An intuitive design that drives productivity

It really is possible to get your finances in order in just a few minutes. With a simple time tracker, free online invoice examples, and the ability to track expenses and record estimates, ZipBooks makes accounting so much simpler. Because of its simple design, your first day with ZipBooks will be a very productive day.

Once you’ve signed into your account, you’ll notice that everything is right where you need it, and you’ll be able to focus on what’s important in order of priority. Try creating a project and recording time you spent on that project. Then pull up our simple invoice template and opt to add unbilled time to that invoice. It’s easy to include recorded project info in an invoice. Your clients will appreciate the transparency, and they’ll thank you by making payments faster.

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Sending online invoices with ZipBooks accelerates payment by 17.5 days on average.

Invoicing made easy

ZipBooks is free accounting software for Mac that allows you to create and send an invoice in seconds. Just log in, create a new invoice, select a client, and opt to add unbilled time to that invoice. When including that time, you’ll have the option to bill by month or by project. This allows you to bill a client for only a certain portion of the time you worked. Or, you can bill for all of the time you have recorded on a project.

You don’t need to wait until the end of the day to catch up on paperwork. Feel free to send an invoice while you’re still with a client. Or, begin filling out an invoice when you have a spare minute and save it to send later. It’s never been easier to invoice than with a free ZipBooks account.

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“It's accrual world. ZipBooks makes it sweeter.” - A Real Customer

Mobile time tracking and project management

It’s easy to keep your finances organized when using free accounting software for Mac. ZipBooks allows you to pull up your account from any browser, device, or operating system. So if you start your day in the office and finish your day on the go, you can pull up your data wherever you are. Anywhere-access to your data allows you to keep accurate records without the hassle.

Mac Account For Free Download

When you launch the ZipBooks time tracker, you can start and stop time as you work, or enter time entries manually. And with access to these tools from your mobile device, you can edit a project while sitting on the bus or update the payment status on your invoices while in line at the store. Keep your data up to date and online with a free ZipBooks account.

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More about this particular feature

  • ZipBooks lets you create and send beautiful invoices. Automate everything with recurring auto-bills while ZipBooks seamlessly integrates your billing into your books.

  • Manage your business on the go. Send invoices, mark payments, store receipts, and categorize expenses with native mobile applications.

  • Simplify your work by collaborating with employees, contractors, accountants, or other team members. Manage team permissions on reports, invoicing and billing, time tracking, or other parts of ZipBooks.

  • Organize your work into projects and tasks, and track your time right in ZipBooks. Once you’re ready to bill, pull that time into an invoice with a single click.

  • Tag any transaction in ZipBooks with a customer, vendor, project, location, or other custom tag — and generate an income statement and other reports based on one or more of your tags.

When you move your data to the cloud, you secure it from physical theft, loss, and hard drive failure. And once you're signed up, we'll protect your data with 256-bit SSL encryption.

When your records are organized and accurate, your clients will be more likely to pay quickly. If they can look at their invoice and understand just what they're being billed for, they won't mind paying you right then and there.

ZipBooks allows you access to all of our starter features without paying a single monthly or hidden fee. Our goal is to get you paid faster—this free accounting software is truly free.