Mortgage Loans: Finance 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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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 home.
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.

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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.

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Home Value

Down Payment Percentage

Loan Amount

Credit Score

Zip Code

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.

Explore Affordable Lending Options

Learn the basics of homebuying with our guide.

As exciting as buying a home can be, it can also feel overwhelming if it’s your first time. We provide additional support for first-time homebuyers with useful tools and guidance.

First-Time Homebuyer Guide - this comprehensive overview gives valuable insight into each step of the homebuying process, from start to finish.
Affordability Calculator – estimate how much you can afford to spend on a new home.
Down payment assistance programs – learn your options to make homeownership more attainable.

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Fixed-Rate Mortgages

A fixed rate allows you to “lock in” the interest rate for the full term of the loan. Because the interest rate doesn’t change, you make the same payment each month until the loan is repaid. If rates go down in the future, you could refinance to lock in a new, lower rate.

Explore Fixed Rate Mortgages

Adjustable-Rate Mortgages (ARMs)

An adjustable rate will increase and decrease throughout the life of your loan, depending on market conditions. There’s an introductory period with a fixed rate, after which your rate will automatically decrease when market rates fall and automatically increase when market rates rise. To offset this potential risk, ARMs are typically offered at lower initial interest rates than fixed-rate mortgages.

Explore Adjustable Rate Mortgages

Jumbo Loans

These loans exceed the loan maximum amounts set by Fannie Mae, Freddie mac and the Federal Housing Agency. Exceeding the maximum amount means these agencies can’t buy the loans from the originator on the secondary mortgage market. This means the lender is taking a greater risk in issuing the loan, resulting in typically higher interest rates.

Explore Jumbo Loans

FHA Loans

These loans are government-backed, which means they have more flexible qualification criteria than conventional loans. There are fixed- and adjustable-rate options.

Explore FHA loans

VA Loans

These loans are exclusively available to military servicemembers, veterans and their spouses for purchasing a primary residence. They’re backed by the Department of Veterans Affairs, allowing those who serve our country access to favorable home loan terms like competitive interest rates and down payments as low as 0% for well-qualified buyers.

Explore VA loans

USDA Loans

These loans are available for low-to-moderate-income buyers in rural areas, backed by the U.S. Department of Agriculture. They’re intended to promote homebuying in less-populated areas by offering low downpayment options on qualifying properties.

Explore USDA loans

Physician Loans

These loans are for the unique financial needs of medical professionals and are available to interns, residents, fellows and doctors who have completed residency in the last five years. They offer up to $1.5 million in home financing and allow gift funds to be used as part of a down payment. There’s also no private mortgage insurance required for buyers with a down payment less than 20%.

Explore Physician Loans

Mortgage Insights Articles

Mortgage Recast: What It Is & How It Works

A mortgage recast allows you to pay a lump sum towards your mortgage, reducing monthly payments. Learn more about the process to optimize your finances.

6 min read

Home Styles: A Guide to the Different Types of Houses

Learn more about the different types of home styles you can buy. Explore the features of each and discover which type might be the best fit for your needs.

5 min read

Homeowner's Guide: What is Property tax?

Discover what property tax is and how it impacts homeowners and investors. Learn about its calculation, types, and the obligations involved.

5 min read

Other Home Lending Options from PNC

Service My Current PNC Mortgage

Find support and make changes to your existing mortgage account.

Mortgage Customer Service

Refinance a Mortgage Loan

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

Learn About Refinancing

Home Equity Line of Credit

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

Learn About HELOC

Have Questions?

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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

Call 1-855-744-2668

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Find a local Mortgage Loan Officer to work with.

Find a Mortgage Loan Officer

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.

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.

Rate may increase after settlement.

'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.

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.

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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.

Call Us

Start Online

We Call You

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:

Mortgage Calculators

How Much Can I Afford?

How Much Could My Fixed Rate Mortgage Payments Be?

See All Mortgage Calculators

Current Rates

The PNC Mortgage Loan Process

PNC Bank provides ongoing support for homebuyers throughout the mortgage loan process.

Step 1. Get a Preliminary Pre-Approval

Step 2. Find Your New Home

Step 3. Complete the Home Loan Application

Step 4. Work with Your PNC Loan Officer

Step 5. Get the Funding to Close on Your New Home

Home Mortgage Loan Resources

Down Payment & Closing Cost Assistance

First-Time Homebuyers

Explore Our Mortgage Loan Options

Mortgage Insights Articles

Other Home Lending Options from PNC

Service My Current PNC Mortgage

Refinance a Mortgage Loan

Home Equity Line of Credit

Have Questions?

We're Here to Help

Call Us

Let's Start a Conversation

Get In Touch

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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.