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.
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Best Mortgage Lender, 2024 by Nerdwallet
January 2024
PNC is proud to be recognized as the 2024 Best Mortgage Lender by NerdWallet in multiple categories:
- First-Time Home Buyers
- FHA Loans
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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
What Is Underwriting?
Explore the definition and role of underwriting in real estate. Understand the risks and valuations that define this essential financial process.
6 min read
What is a Good Credit Score to Buy a House?
Discover what a good credit score to buy a house is and how it affects your mortgage options. Learn tips to improve your score to become a homeowner.
6 min read
Who Pays Closing Costs?
Who pays closing costs in a home sale? Uncover common buyer and seller responsibilities and the negotiable components of these financial logistics.
5 min read
Other Home Lending Options from PNC
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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.
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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.
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