Digital preapproval requires the assistance of a Mortgage Loan Officer. After the first part of the application process is complete, a PNC Mortgage Loan Officer will reach out to finish the remainder of the preapproval.
Home Mortgage Loans
Financing your home
with PNC
Not Ready to Apply?
Are you just beginning your home financing journey?
Find Your Dream Home
Use Home Insight® Planner to access multiple tools and create an account to manage your mortgage journey
Mortgage Calculators
Comparing loan options? Just looking for how much you can borrow? Use our home lending calculators to understand your refinancing options and help you decide.
The PNC Mortgage Loan Process
PNC Bank provides ongoing support for homebuyers throughout the mortgage loan process.
Step 1. Get a Preliminary Pre-Approval
Mortgage pre-approval informs your budget and strengthens purchase offers. With PNC's preliminary pre-approval, you can check your buying power without impacting your credit score.
Step 2. Find Your New Home
Work with a licensed real estate agent to find the right home and get the seller to accept your offer.
Step 3. Complete the Home Loan Application
Once the home is under contract, you can submit financial documents to complete the mortgage application.
Step 4. Work with Your PNC Loan Officer
The loan officer will review the application, request additional documentation as needed, and draft the loan docs for your signature.
Step 5. Get the Funding to Close on Your New Home
With the loan docs signed, the funds are made available so you are “clear to close” on the new home.
Home Mortgage Loan Resources
We can help increase your purchasing power
For first-time buyers, military servicemembers, medical professionals and modest-income households, we have down payment and closing cost assistance programs to help you make the most of your budget.[1]
Mortgage Insights Articles
How to Buy a Rental Property
Discover how to buy a rental property with our comprehensive guide. Learn about investment goals, financing options, and legal tips to make informed choices.
6 min read
What Is a Bridge Loan?
Learn more about bridge loans, a short-term financing solution that helps homeowners or investors bridge financial gaps during property transactions.
5 min read
What Is Loan-to-Value (LTV) Ratio?
Understand the significance of the loan-to-value ratio in mortgage lending. Learn calculation techniques and strategies to improve your LTV.
6 min read
Other Home Lending Options from PNC
Have Questions?
We're Here to Help
A PNC Mortgage Loan Officer can help determine your eligibility for this offer. To qualify, borrower’s household income must be at or below 80% of the median household income for the metropolitan area (MSA) or the financed property must be located in a low- or moderate-income census tract as designated by the FFIEC.
Having a preapproval may give you an advantage over other buyers that are not preapproved. Some realtors/sellers prefer to have their buyer preapproved when making an offer, which may give you a competitive edge in having your offer selected.
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.
'Search for Homes' is available only after completing a Household Profile and Building a Budget.
Final loan approval and amount are subject to verification of loan data, property appraisal and underwriting conditions.
Borrower must satisfy pre-approval conditions outlined in commitment letter. Final loan approval and amount are subject to verification of loan data, property appraisal and underwriting conditions.
©2017-2025 and TM, NerdWallet, Inc. All Rights Reserved.
NerdWallet and the NerdWallet logo are trademarks owned by NerdWallet, Inc. and used with permission.
PNC, PNC HomeHQ, PNC Home Insight and Home Insight are registered service marks of The PNC Financial Services Group, Inc. ("PNC"). PNC has a pending patent application directed at various features and functions of Home Insight® and Home Insight® Planner. All loans are provided by PNC Bank, National Association, a subsidiary of PNC, and are subject to credit approval and property appraisal.
©2025 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.
