Your use of the Voice Banking service, with the entry of your PIN, is your authorization for PNC Bank to initiate a payment via an ACH debit or other electronic entry to the designated account. Your payment cannot be canceled after you have submitted it.
Mortgage Payment Options, Methods & FAQs
PNC offers a wide range of mortgage payment options, allowing you to choose the one that’s most convenient for you.
Highlighted below are the different ways you can pay, along with our FAQs about every payment option.
Payment Methods and FAQs
Explore our payment options chart and our most popular Frequently Asked Questions.
| Payment Methods | Main Details | How To Use |
|---|---|---|
| PNC Online Banking | Make a payment to your account using PNC Online Banking. You can schedule one time or recurring payments. | Navigate to PNC Online Banking and select your account. Click Make a Payment on your account activity screen to schedule a payment. |
| Automated Payments | Enroll in the Automated Payment Program and have your monthly payment automatically deducted from your deposit account. | Download, complete, and return the Automated Payment Authorization form using the instructions on the form OR call 1-888-762-2265 to have the form emailed to you to be submitted electronically. |
| Bi-Weekly Automated Payments | Enroll in the Bi-Weekly Automated Payments Program and have half of your monthly mortgage payment automatically deducted every 2 weeks from your deposit account. | Download, complete, and return the Bi-Weekly Automated Payment Authorization form to the address or fax number listed on the form, or to your local PNC branch. |
| Pay by Phone - Voice Banking | Make a one time, same day payment using our Voice Banking service. | Pay over the phone with Voice Banking by calling 1-888-PNC-BANK (1-888-762-2265).[1] If paying from a non-PNC deposit account, have your account number and routing number available. |
| In-Branch Payment | Make a payment at any PNC Branch. | Visit a PNC Branch during normal branch hours to make a payment. The payment is effective as of the date the payment is made, although it may take up to 2 business days for the payment to be reflected on your account. |
| Mail Your Payment | Make a payment to your account by mail. Customers residing in AK, AZ, AR, CA, CO, HI, ID, IA, KS, LA, MN, MS, MO, MT, NE, NV, NM, ND, OK, OR, SD, TX, UT, WA, or WY: Address for regular mail payments: PNC Mortgage Payments PO Box 31001-2929 Pasadena, CA 91110-2929 Address for overnight mail payments: PNC Bank c/o Pasadena Tech Center 465 N Halstead St Ste 160 Pasadena, CA 91107 |
Send a check in the mail along with the payment slip provided at the bottom of your monthly billing statement. If you do not have a statement, please make sure to write your PNC account number on your check. Customers residing in AL, CT, DE, DC, FL, GA, IL, IN, KY, ME, MD, MA, MI, NH, NJ, NY, NC, OH, PA, PR, RI, SC, TN, VT, VA, WV, or WI: Address for regular mail payments: PNC Mortgage Payments PO Box 771021 Chicago, IL 60677 Address for overnight mail payments: PNC Bank 350 East Devon Ave Itasca, IL 60143 |
It is a good idea to allow 7 to 10 days for receipt of payment, particularly during holidays when mail volumes are heavy.
PNC has different grace periods, but the majority of loans are assessed a late charge on the night of the 16th. Late fees vary in accordance with the mortgage note.
No. Your monthly payment must be drafted from a checking or savings account, or mailed to us.
Rather than making a partial payment, please call 1-800-523-8654 to speak to a Customer Service Representative about your options. We may have a program available to you that permits a period of forbearance.
Some loans qualify for a Principal Reduction Modification. PNC Mortgage will allow you to pay a minimum of $10,000 towards your principal and re-amortize your loan, which will reduce your monthly principal and interest payment. To find out if this option is available to you, please call one of our Customer Service Representatives at 1-800-822-5626, or mail your request to:
PNC Mortgage
P.O. Box 1820
Dayton, OH 45401-8807
Amortization is the schedule for repayment of the loan. At inception, the amortization, or schedule, is set. Re-amortization is when at some point during the repayment, the schedule of payments is changed.
The funds will be applied to principal as long as you write "Principal Only" on the memo line of the check along with your loan number. You will need to send the check to the address on your payment billing statement. Note that we will not be able to process the principal payment if your current month’s payment has not been received, your loan is delinquent, or if you have outstanding late fees.
Automated payments are set up through the Automated Payment Program managed by PNC. Your monthly payment is automatically drafted from your PNC or non-PNC checking or savings account each month and applied to your PNC loan or line of credit on the payment due date. To sign up for automated payments, you will need to complete, sign and return the Automated Payment Authorization Form to the fax number or mailing address listed on the form, or to a PNC branch. Once automated payments are established on your account, you will need to contact PNC in order to change, suspend, or cancel.
Recurring payments are set up by you directly through PNC's Online Banking. You can schedule a recurring payment to your PNC loan or line of credit from a PNC or non-PNC checking or savings account by clicking Make a Payment from your account activity page. With PNC Online Banking, you have the ability to manage, change or cancel your recurring payments at any time.
PNC Online Banking
It's free, secure and easy to use.
- Log in to Online Banking
- Access your mortgage account.
- Click Make a Payment.
- Select the appropriate payment option.
- Select a “From” account. If your 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 and schedule your payment.
Automated Payment Program
Have your mortgage paid automatically from any deposit account, including accounts at other banks.
By completing and returning the Automated Payment Authorization form, you are authorizing PNC to automatically draft your monthly payment from your designated checking or savings account with PNC or another bank.
Once you complete and return the Automated Payment Authorization form, it may take up to ten (10) business days from the date we receive your completed authorization form to process your request. Please continue to make your payments until you receive a confirmation letter with the date that your automated payments will begin.
With automated payments, your monthly payment will be automatically deducted each month and applied to your account as of your payment due date. Your payments will be made on time each month, as long as there are available funds in your designated checking ot savings account to cover the payment.
Bi-Weekly Automated Payment Program
Pay off your loan faster and reduce the total interest you will pay on your mortgage.
There is no cost to you for your enrollment in the PNC Bi-Weekly Automated Payment Program.
Click here to download the Bi-Weekly Automated Payment Authorization Form, then complete, sign, and return the form to us by mail, fax, or to a branch following the instructions provided on the form. The form also contains more details about the program, including what to expect once your authorization form has been submitted.
Pay by Phone
Make an immediate mortgage payment from any account, including accounts at other banks.
There is no cost to pay by phone.
Pay over the phone with Voice Banking by calling 1-800-822-5626.
* If paying from a non-PNC deposit account, have your account number and routing number available.
*Your use of the Voice Banking service, with the entry of your PIN, is your authorization for PNC Bank to initiate a payment via an ACH debit or other electronic entry to the designated account. Your payment cannot be canceled after you have submitted it.
Mail Your Payment
Make free payments by mail.
It is free to pay by mail.
In-Branch Payment
Make a mortgage payment at many of our convenient PNC branch locations.
It may take up to 2 business days for the mortgage payment to be reflected on your account.
Payoff Information
Important need to knows about paying off your home mortgage.
A paid in full Thank You letter is mailed the following business day after the loan payoff is posted to the account. Additional documentation will be mailed in accordance with state guidelines.
A check will be issued within 20 business days from the date your loan is paid in full.
Yes. It is important that you continue to submit your monthly payment as you normally would.
If your monthly payment is made using our Automated Payment Program, please contact us at least three (3) business days before your next payment due date to cancel your automated payments by calling our Customer Care Center or visiting your local PNC Branch. If the automated payment is deducted from your checking or savings account after your loan is paid in full, we will return it to you within two weeks.
You may speak with one of our Payoff Representatives by calling 877-729-6337.
Principal Reduction Options
You may be eligible for a Modification – find out today.
To find out if your loan is eligible, call us at 1-800-822-5626 and ask for our Special Loans Department. Please note, your loan must be at least 6 months old to be considered for a Modification.
A letter of request must be submitted stating that you would like to have your monthly payment re-amortized. The letter and the fee should be mailed to:
PNC Mortgage
Attn: Special Loans/Modifications
P.O. Box 1820
Dayton OH 45401-1820
The lump sum principal payment is usually included, but can be made at any PNC Bank, if preferred. Once the principal balance has been reduced, a Loan Modification Agreement is prepared and sent to you for your signature. Once we receive the signed document, we update our database with your new payment amount.
The standard fee for a Principal Reduction Modification is $250, which is subject to change. The fee must be submitted up front, and is non-refundable.
To find out if your loan is eligible for a Principal Reduction Modification, call us via 800-822-5626 and ask for our Special Loans Department. Please note, your loan must be at least 6 months old before being considered for a Modification.
There is a six to eight week processing time before the new payment becomes effective. However, you will have the benefit of paying less interest immediately, so any payments made after the principal has been reduced and before the new payment amount becomes effective are applied to the principal balance of your loan.
Transferred Loans
Additional Questions
A few more answers to common payment option questions you may have.
If you signed the Note and Mortgage, you are still liable for the payments. A divorce agreement does not alter your obligation to make payments.
No. Deeding your interest in the property to someone else only means that you no longer own the home. You are still obligated to make payments, as stated in your Note and Mortgage.
PNC offers a variety of methods for making your monthly mortgage payments. Check out the Payment Methods Chart at the top of the page.
Related Resources
PNC and PNC HomeHQ are registered service marks of The PNC Financial Services Group, Inc. ("PNC"). PNC is a registered service mark of The PNC Financial Services Group, Inc. (“PNC”). All loans are provided by PNC Bank, National Association, a subsidiary of PNC, and are subject to credit approval and property appraisal.
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