PNC, PNC Bank, PNC Home Insight and Home Insight are registered service marks of the The PNC Financial Services Group, Inc. ("PNC").
Welcome to PNC Bank
We are glad to have you as a new customer and want to make your mortgage transfer to PNC as easy and seamless as possible.
We are glad to have you as a new customer and want to make your mortgage transfer to PNC as easy and seamless as possible.
Welcome to PNC Bank
We are glad to have you as a new customer and want to make your mortgage transfer to PNC as easy and seamless as possible.
Proud to Be Recognized Nationally
September 2023
For more nearly 160 years, we have been committed to providing our clients with great service and powerful financial expertise to help them meet their financial goals.
Welcome
Your mortgage has been transferred to PNC, here's what you need to know:
If your Welcome Packet has not arrived by the transfer date, you may contact us at 1-800-822-5626 with any questions.
Here's what's included in the Welcome Packet:
- Notice of Servicing Transfer
This is the official legal notice informing you that the servicing of your mortgage loan is transferring to PNC. It includes your new account number, so keep it handy.
- Automated Payment Information
If your Automated Payment is being transferred to PNC from your prior servicer as verified on your Notice of Servicing Transfer, it is important that you immediately sign and return this Automated Payment Authorization Form. See Payments section for additional payment options.
- Mortgage Servicing Transfer Checklist
This guide walks you through the mortgage transfer process, including key steps like making your first payment to PNC.
- Privacy Policy
This document outlines what personal information we collect, how we protect it and why we sometimes share it.
Check the Status of Your Mortgage Transfer
PNC Home Loan Transfer Portal is a digital tool that keeps you up to date on the status of your mortgage transfer, provides key dates and personalized loan details, and keeps you informed on next steps.
View Your Loan Details
Confirm Automated Payment Details
Check Important Dates
Looking for key dates of services on your mortgage account?
To find your transfer date, please refer to PNC's Welcome Packet sent via US Mail.
Select the date your mortgage is transferring to PNC:
December 1st, 2024
For all other dates, please refer to the
Payments
Make sure you cancel the automated bill pay to your prior servicer.
- The Notice of Servicing Transfer letter PNC mailed to you includes instructions on how to make your first mortgage payment to PNC following the servicing transfer.
- During the 60-day period following the servicing transfer, PNC will not treat any payment received by the prior servicer on or before the due date as late for any purpose.
- Your previous servicer will forward your payment to PNC for at least 60 days following the transfer of your loan servicing.
- This transfer may result in a delay in your payment posting to your account. Please do not make an additional payment with PNC unless you have confirmed your previous payment has not cleared and you have a stop payment on the payment.
- During this time, PNC will not treat any payment received by the prior servicer on or before the due date as late for any purpose.
- Payments received by the prior servicer more than 60 days after the servicing transfer date may be returned to you by the prior servicer.
- If you inadvertently send your previous servicer a payment due to PNC, your previous servicer will forward your payment to PNC for at least 60 days following the transfer of your loan servicing.
How to manage your payments
Please refer to your Welcome Packet for information about the transfer of your Automated Payment arrangement.
- If your automated payment transferred to PNC
- If your automated payments were not transferred with your loan
- Good news – the date your automated payments are made won’t change with the transfer of your mortgage to PNC. It is possible that your first automated payment to PNC may be delayed by up to seven business days, but you will not be charged a late fee for this one-time payment delay and it will not be reported to the credit bureaus.
- It is important that you immediately sign and return the Automated Payment Authorization Form enclosed in your welcome packet.
- PNC will continue to automatically draft your loan payments as was previously performed by your prior servicer for a period of time after transfer. If we do not receive the signed Automated Payment Authorization Form that was enclosed in your welcome packet within 120 days of the effective date of the transfer, PNC will discontinue your automated payment.
Also applicable if you do not currently take advantage of automated payments
Online Banking
Make a payment to your account using PNC Online Banking. You can schedule one time or recurring payments.
- Log in to Online Banking
- Access your mortgage account
- Click Make a Payment
- Select the appropriate payment option
- Select a “From” account. If you’re making a payment from a non-PNC account, you’ll need the bank routing number and account number to add the external account.
- Enter your payment details
Enroll in Automated Payment Program
- To sign up for our free Automated Payment Program and have your loan payments automatically deducted from your checking or savings account, including accounts at other banks, download the Automated Payment Authorization Form.
- Complete, sign, and return this form by mail, fax, or to a PNC branch using the instructions provided on the form
Pay by phone
- Call PNC Mortgage at 1-800-822-5626 to make a payment
All other payment options
- PNC offers many ways to make a payment, please review our payment options site for a list of ways you can make a payment.
- Note: Some payment options such as phone pay may not be available for 2-3 business days following the transfer date. Payments received during this time may not immediately appear in the loan history but will be applied with an effective date of the actual date received and will not be considered late.
PNC Online Banking
PNC Online Banking allows you to manage your account with convenience and ease.
Enroll in PNC Online Banking
To get started, you will need:
- Social Security Number (SSN)
- PNC Account Number
- One of the following:
- PNC Visa Debit Card PNC
- Online Access PIN
- Mobile or Phone number to receive a one-time passcode
- This option is only available if there is a phone number associated with your PNC account
- This option is only available if there is a phone number associated with your PNC account
You are encouraged to enroll in PNC's optional Online Banking service, which allows you to:
- Get organized and save paper with paperless statements
- Setup account alerts to stay informed
- Schedule payments for your mortgage account
- Access mortgage documents such as your escrow statements and year-end tax statements (form 1098)
Escrow
- PNC will analyze your escrow account on an annual basis to ensure that we are collecting enough to fund your escrow account for the taxes and/or insurance that we anticipate to disburse over the next year.
- We may have to run an off-cycle analysis in your first year after your loan has transferred as we move your loan into its annual analysis cycle with PNC.
- PNC includes a two-month escrow cushion in our analysis calculations when allowed by state law. This is done to ensure that your escrow account is funded for any unexpected increases in taxes or insurance over the next year.
- If you are aware of a change to your property tax amounts or insurance premiums, you can contact PNC to have this information researched and your escrow account collection updated through an off-cycle analysis.
- PNC does allow for full or partial escrow deletion if your escrow account meets eligibility requirements.
- If you are interested in deleting your escrow account, please contact PNC and we will review your account for eligibility.
- PNC does have requirements that must be met before your escrow account can be deleted. These requirements may not pertain to all circumstances.
- If the escrow account is eligible for full deletion, PNC will send you a consent form that must be signed by all borrowers on the account and returned to PNC.
- PNC assesses an escrow deletion fee for a full escrow deletion in most states. This is equal to 0.25% of your loan's unpaid principal balance and this is calculated when the consent letter is issued. This fee must be paid before a full escrow deletion can be processed. An escrow deletion fee is not assessed for a partial deletion.
- If your escrow account has a negative balance (advance), the account will need to be brought to a zero balance before an escrow deletion can be processed.
- If your escrow account has a positive balance and the account is being closed, the escrow balance will be refunded to you.
Taxes and Insurance
- Taxes
- Flood and Hazard Insurance
If your loan is not escrowed for tax payment through PNC, you should pay the amount due to the taxing authority listed on your bill. If your loan is escrowed and the tax bill you received has not been paid, please write your loan number on the bill and send it directly to our Tax Department via mail or fax.
Mailing Address
PA Customers
Tax Department-0046586
PO Box 9220
Coppell, TX 75019
Non-PA Customers
PNC Financial Services
PO Box 9042
Coppell, TX 75019
Mortgagee Clause
PNC Bank, National Association ISAOA ATIMA PO Box 7433 Springfield, OH 45501
Homeowner’s and Flood Insurance
For information related to your insurance, visit mycoverageinfo.com, PIN: PNC43.
Insurance Customer Care
Questions about your insurance, call our PNC Bank Insurance Processing Center at 1-888-229-5429, Monday - Thursday, 8:00 AM - 9:00 PM, Friday 8:00 AM - 5:00 PM and Saturday 9:00 AM - 2:00 PM (Eastern Time).
FEMA
Letter of Map Amendment / Letter of Map Revision - Based on Fill Tutorials | FEMA.gov
Loss Claims
File a Claim
You can contact us:
- Online at InsuranceClaimCheck - Home
- By Phone: 1-800-245-1730.
- Monday - Thursday, 8:00 AM - 9:00 PM, Friday 8:00 AM - 5:00 PM. (Eastern Time)
Request Inspection
You can order an inspection by accessing your account online.
You can contact us:
- Online at InsuranceClaimCheck - Home
- By Phone: 1-800-245-1730.
- Monday - Thursday, 8:00 AM - 9:00 PM, Friday 8:00 AM - 5:00 PM. (Eastern Time)
Property Loss Address
PNC Bank N.A.
Attn: Loss Claims Department
P.O. Box 6501
Springfield, OH 45505-6501
PMI (Private Mortgage Insurance)
Remove my PMI (Private Mortgage Insurance)
- Single family dwelling mortgage loans secured by a primary residence and closed after July 29, 1999 are covered under the Homeowner’s Protection Act of 1998 (HOPA). The Act gives customers the right to request PMI deletion once the Loan to Value (LTV) ratio reaches 80%. Cancellation will automatically occur when the loan reaches an LTV ratio of 78% under its original amortization schedule, provided all loan payments are current.
- If you feel your loan qualifies for PMI deletion, please send a written request to the PNC Bank address listed below, so your request can be reviewed accordingly. PMI deletion requires a good pay history: no payment may be 30 or more days late in the past 12 months, and no payment may be more than 60 or more days late in the past 24 months. You may be responsible for the costs of an appraisal.
- PNC Bank
Attention: PMI Department
PO Box 8736
Dayton, OH 45401-8736 - Or call the Customer Care Team at 800-822-5626
- PNC Bank
Optional Insurance will not transfer to PNC.
If you wish to maintain this optional coverage, contact your insurance provider to inquire about direct billing.
Home Lending Products
Just Getting Started?
Explore PNC’s Home Lending Headquarters page to learn more about PNC’s home lending products, and which one could potentially be the best fit for your needs
Who We Are
As an award-winning, national lender and servicer of residential mortgage loans,
we are committed to providing exceptional customer service.
Speak with the Mortgage Transfer Team
Our mortgage professionals are here to help – now, or if your needs change in the future.
Refinancing at a longer repayment term may lower your mortgage payment, but may also increase the total interest paid over the life of the loan. Refinancing at a shorter repayment term may increase your mortgage payment, but may lower the total interest paid over the life of the loan. Contact us to discuss the option that best meets your needs.
©2024 The PNC Financial Services Group, Inc. All rights reserved.
PNC Bank, National Association. Member FDIC
Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.