LIMITED POWER OF ATTORNEY FOR
SECTION 16 REPORTING OBLIGATIONS

	Know all by these presents, that the undersigned hereby makes,
 constitutes and appoints each of Derek W. Stark, Charles Szurgot, Lisa
 McKee and Devra Lindgren, each acting individually, as the undersigned's
 true and lawful attorney-in-fact, with full power and authority as
 hereinafter described on behalf of and in the name, place and stead of
 the undersigned to:

      (1)	prepare, execute, acknowledge, deliver and file Forms 3,
 4, and 5 (including any amendments thereto) with respect to the securities
 of PennyMac Financial Services, Inc., a Delaware corporation
 (the ?Company?), with the United States Securities and Exchange Commission,
 any national securities exchanges and the Company, as considered necessary
 or advisable under Section 16(a) of the Securities Exchange Act of 1934
 and the rules and regulations promulgated thereunder, as amended from time
 to time (the ?Exchange Act?);

      (2)	seek or obtain, as the undersigned's representative and
 on the undersigned's behalf, information on transactions in the Company's
 securities from any third party, including brokers, employee benefit plan
 administrators and trustees, and the undersigned hereby authorizes any such
 person to release any  such information to the undersigned and approves and
 ratifies any such release of information; and

      (3)	perform any and all other acts which in the discretion of
 such attorney-in-fact are necessary or desirable for and on behalf of the
 undersigned in connection with the foregoing.

The undersigned acknowledges that:

      (1)	this Limited Power of Attorney authorizes, but does not
 require, such attorney-in-fact to act in their discretion on information
 provided to such attorney-in-fact without independent verification of such
 information;

      (2)	any documents prepared and/or executed by such attorney-
in-fact on behalf of the undersigned pursuant to this Limited Power of
 Attorney will be in such form and will contain such information and
 disclosure as such attorney-in-fact, in his or her discretion, deems
 necessary or desirable;

      (3)	neither the Company nor such attorney-in-fact assumes
 (i) any liability for the undersigned's responsibility to comply with the
 requirement of the Exchange Act, (ii) any liability of the undersigned
 for any failure to comply with such requirements, or (iii) any obligation
 or liability of the undersigned for profit disgorgement under Section 16(b)
 of the Exchange Act; and

      (4)	this Limited Power of Attorney does not relieve the
 undersigned from responsibility for compliance with the undersigned's
 obligations under the Exchange Act, including without limitation the
 reporting requirements under Section 16 of the Exchange Act.

	The undersigned hereby gives and grants the foregoing attorney-
in-fact full power and authority to do and perform all and every act and
 thing whatsoever requisite, necessary or appropriate to be done in and
 about the foregoing matters as fully to all intents and purposes as the
 undersigned might or could do if present, hereby ratifying all that such
 attorney-in-fact of, for and on behalf of the undersigned, shall lawfully
 do or cause to be done by virtue of this Limited Power of Attorney.

	This Limited Power of Attorney shall remain in full force and
 effect until revoked by the undersigned in a signed writing delivered
 to such attorney-in-fact.

	IN WITNESS WHEREOF, the undersigned has caused this Limited
 Power of Attorney to be executed as of this 19th day of February, 2025.


		By:
		Name:	Mark Elbaum