Home Mortgage Loans

Financing your home
with PNC

Get a head start with a Preliminary Pre-approval[1]

Once you have a preliminary pre-approval, you’ll know your price range. Our preliminary pre-approval letter shows you’re a serious buyer.[2] You’ll be able to track your application all the way through closing. 

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Mon. – Thurs.: 8 a.m. – 10 p.m. ET
Fri.: 8 a.m. – 6 p.m. ET
Sat. – Sun.: 8 a.m. – 5 p.m. ET

Start Online

Get started with your preliminary pre-approval, purchase or refinance.

We Call You

Help us understand your needs, fill out a contact form and we'll get in touch.

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

Your Home Insight® Planner:

An innovative self-serve digital tool that provides a one-stop-shop for all your upfront home buying needs:

  • Customize and compare multiple home loan products - save the ones you like the best.
  • Explore your monthly payment options - find the one that matches your budget and financial goals.
  • Search active home listings – find your dream hom.
  • View and update your estimated credit score – providing more accurate information improves the overall experience.
  • Access our home lending calculators and other educational resources – take the time to do your own research.
  • Connect with a PNC Mortgage Loan Officer – get the professional hands-on support that you deserve.
  • Start an online quick-and-easy preapproval or application – with no impact to your credit score.

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.

How Much Can I Afford?

How Much Could My Fixed Rate Mortgage Payments Be?

See All Mortgage Calculators

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

Mortgage Insights Articles

What Is a Promissory Note in Real Estate

A promissory note in real estate is crucial for financing. Learn its definition, purpose, and how it functions with mortgages in property dealings.

5 min read

What Does Under Contract Mean?

Discover what "under contract" means in real estate and how it affects your home buying process. Get clear insights to make informed decisions.

5 min read

How to Buy a Foreclosed Home

Discover how to buy a foreclosed home with our comprehensive guide. Learn the benefits, risks, and steps involved in purchasing a foreclosure property.

6 min read

Other Home Lending Options from PNC

Service My Current PNC Mortgage

Find support and make changes to your existing mortgage account.

Refinance a Mortgage Loan

Learn how you can revise the terms of your loan if your situation changes.

Home Equity Line of Credit

Use a Home Equity Line of Credit to renovate your home, refinance your mortgage, or consolidate debt.

Have Questions?

 We're Here to Help

Call Us

Talk with a Home Lending Center representative about your options.

Mon. - Thu.: 8:00 am - 10:00 pm ET
Fri.: 8:00 am - 6:00 pm ET
Sat. - Sun.: 8:00 am – 5:00 pm ET

Let's Start a Conversation

Help us understand your needs, fill out a contact form and we'll get in touch.

Get In Touch

Find a local Mortgage Loan Officer to work with.