Are You Behind on Your Pennymac Payments? We Can Help.

If you are facing foreclosure or struggling to make payments to Pennymac Loan Services, you are not alone. Pennymac is one of the nation’s largest non-bank servicers, and navigating their automated phone systems and “document black holes” can be overwhelming.

United Capital Mortgage Assistance (UCMA) has been a trusted advocate for homeowners since 1997. We possess the specific expertise required to negotiate with Pennymac’s loss mitigation department. Our goal is simple: Stop the foreclosure auction, modify your loan, and save your home.

Why Choose UCMA to Handle Pennymac?

Homeowners often report that Pennymac’s loss mitigation process is difficult to navigate on their own. Common complaints include long hold times, documents being “lost” after submission, and confusing denial letters.

UCMA changes the dynamic. We do not just send paperwork; we advocate for you.

• 25+ Years of Experience: We have successfully negotiated loan modifications nationwide since 1997.
• Direct Access: We know exactly which department to contact and how to escalate files that are stuck in the “processing” phase.
• Foreclosure Prevention Experts: In most cases, a foreclosure auction can be postponed if a “facially complete” loan modification application is submitted to Pennymac’s loss mitigation department at least 37 days before the sale. However, time is critical. Contact UCMA immediately if you have a sale date. UCMA specializes in these urgent submissions.

Real Homeowner Success Story: “I was terrified I would lose my home. Pennymac kept saying they needed more documents. UCMA stepped in, stopped the calls, and got my modification approved. I can finally sleep at night.” — R.S., California

Need Immediate Help? Call 1-800-474-1407 for a free, no-obligation consultation or Click Contact UCMA and we will call you!

Pennymac Loss Mitigation Contact Details

Use these verified numbers to contact Pennymac directly regarding your loan modification.

• Loss Mitigation Phone: 866-545-9070 (Direct line for Mortgage Assistance)
• Loss Mitigation Fax: 800-947-1421 
• Customer Service: 800-777-4001
• Online Portal: Pennymac Manage My Loan
• Correspondence Address: Pennymac Loan Services, LLC O. Box 514387 Los Angeles, CA 90051-4387

(Note: While these numbers allow you to contact the servicer, having UCMA represent you ensures your file is handled correctly and professionally.)

Verified Government Resources for Homeowners

If you need additional assistance or want to verify your rights, these government agencies provide trusted support:

• CFPB Mortgage Help: Consumer Financial Protection Bureau Mortgage Resources
• HUD / FHA Help: FHA Loss Mitigation & Foreclosure Prevention
• VA Home Loans: VA Mortgage Assistance & Foreclosure Avoidance
• HAF Programs: NCSHA State-by-State Homeowner Assistance Fund Map

Frequently Asked Questions (FAQ) for Pennymac Borrowers

Q: Why does Pennymac keep asking for the same documents? This is a common frustration known as the “document loop.” Documents expire (usually after 60-90 days), or they may be rejected for poor quality. UCMA manages your document submission to ensure everything is legible, current, and tracked to prevent these delays.

Q: Why should I hire UCMA instead of doing it myself? While you can apply on your own, the process is complex and often results in unnecessary denials due to incomplete paperwork or errors. UCMA provides the expertise, negotiation skills, and persistence required to get results, allowing you to focus on your family while we handle the bank.

Q: What is a “Trial Payment Plan”? If Pennymac approves you for a modification, they will likely put you on a Trial Payment Plan (TPP). This usually requires making three on-time trial payments. Once completed successfully, the modification becomes permanent. UCMA ensures you understand these terms before you sign.

Ready to Save Your Home?

Don’t wait until it’s too late. Let the experts at United Capital Mortgage Assistance fight for you.

Call Toll-Free: 1-800-474-1407 — Click Here to Apply Online