As a specialty finance company that invests primarily in residential mortgage loans and mortgage-related assets, we, through PNMAC Capital Management, LLC (our “Manager”) and PennyMac Loan Services, LLC (our “Servicer”), are able to serve our customers throughout the country by facilitating home purchases, refinancings that make homes more affordable, and, when necessary, loss mitigation alternatives, designed to avoid foreclosure and keep our customers and their families in their homes.