(2) Grand Prizes: Each Grand Prize is a minimum four day/three night trip for two people – the Grand Prize winner and one guest – to Los Angeles County, California. Trip includes round-trip air transportation for the Grand Prize winner and guest from a major commercial airport near the Grand Prize winner’s residence to a Los Angeles, California area airport; minimum three nights standard hotel accommodation for the Grand Prize winner and guest (single room/double occupancy) at a Sponsor-selected hotel; round trip airport/hotel transfers for Grand Prize winner and guest while in Los Angeles; $400 per day (up to a $2,000 maximum total) spending money awarded in the form of one prepaid card provided to the Grand Prize winner that may be used towards travel expenses and other incidentals (calculated based on the total number of days of the trip); select Pennymac x Team USA merchandise; two pairs of tickets for use by the Grand Prize winner and guest to attend select Olympic or Paralympic Games events; and $2,050.00 USD awarded in the form of a check made payable to the Grand Prize winner to help offset, but not eliminate, the tax liability associated with Grand Prize acceptance. ARV of each Grand Prize is up to $10,600.

Open only to legal residents of the fifty United States and the District of Columbia, who are eighteen years of age or older as of date of entry.

Limit of three total Entry Codes per person during the entire Sweepstakes Period, regardless of how they are obtained.

Free Mail-In Code Request: To receive an Entry Code without locking and closing a Loan, legibly hand print your full name, full mailing address (no P.O. Boxes), email address, phone number, and birth date on a plain 3x5 inch paper. Mail your completed Mail-In Entry to
Pennymac AMOE Project, 500 E Oregon Rd, Lititz, PA 17543-8398. Each Mail-In Entry must be mailed separately in a hand-addressed, stamped envelope. Sponsor is not responsible for postage-due Mail-In Entries or for any incorrect or illegible data contained in any Mail-In Entry. Mail-In Entries must be postmarked no later than September 30, 2026 and received by October 6, 2026 to be eligible to receive an Entry Code. You will receive one Entry Code per Mail-In Entry.

Lock and Close on a Pennymac Loan: During the Lock Period, you must visit https://www.pennymac.com/ or call Pennymac to apply for and lock a home purchase loan, a home refinance loan, or a home equity loan from Pennymac. Loans must be locked by September 30, 2026, and closed by 11:59 p.m. PT on November 30, 2026. You will receive one Entry Code per closed Loan during the Sweepstakes Period via email.