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.
Fixed Rate Mortgage Loans & Rates
Consistent principal and interest payments
for the life of your loan.
Facts & Figures
If you’re looking for a loan where the monthly principal and interest payment will not change and will be easy to budget, explore a Fixed Rate Loan.
- Loan terms between 10 and 30 years.
- Down payments as low as 3% of purchase price.
- Single family loan amounts up to $806,500.[4]
- Available for both primary and secondary homes. Investment properties too.
PNC $5,000 Grant
You may qualify for up to $5,000 toward closing costs making buying a home of your own more affordable.
- Standard fixed rate terms.
- Loan terms up to of 30 years.**
Costs & Fees
- Typically these fees range from 3% to 5% of the loan amount.
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
Tools & 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.
We Are a Trusted Partner
Whether you need a mortgage pre-approval[1] or help after the closing, we’re available online, on the phone or face-to-face in your neighborhood branch. Here’s what you can expect from us:
- Pre-approval Services – So you can house hunt with confidence knowing how much you can afford.
- Online Application Support — Home Insight® Tracker lets you track and update your application, through every step of the approval process.
- Service After the Closing – We’re with you every step of the way. We service most of our customers’ home mortgage loans.
Fixed Rate FAQs
Top customer questions about fixed rate mortgages.
Mortgage Process Guide
Understand the basics before you start the mortgage process.
Need more information? From first mortgage to home equity, from setting up your online account to payment processing – explore the Understanding Home Lending Center to find the answers you need.
Get Started
Discuss your preferences, learn more about your loan options.
Related Resources
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Physician Loans: What Doctors Should Know When Buying a Home
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PNC Mortgage pay by phone transactions are free via our automated phone service or with agent assistance.
The Property must be located in an eligible market. 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 statistical area (MSA) or the financed property must be located in a low- or moderate-income census tract as designated by the FFIEC. The PNC Closing Cost Assistance Grant may not exceed actual closing costs and prepaids. The PNC Closing Cost Assistance Grant may be applied to primary residence purchase or limited cash out refinance transactions (purpose of refinance must be rate and term only). Additional restrictions and qualifications may apply. PNC Grant amount is subject to change.
Loan amounts may vary based on product and property location. $726,200 is the current conventional loan limit.
Rate may increase after settlement.
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.
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