All borrowers must be pre-approved through Benjamin Williams - PennyMac's Real Estate Finance Adviser. Contact info: Office 8.0.5 2.2.2.0.4.5.7, [e-mail address: BenjaminDOTWilliamsATpnmacDOTcom]. Qualified borrowers will be eligible for Conventional fina ncing at market rates, with minimal finance charges and a quick closing."