Home Affordable Refinance Program (HARP)

PNC is participating in the U.S. Treasury's HARP program to provide eligible customers an opportunity to refinance— even if you:

  • Didn’t qualify in the past
  • Owe more money on your loan than your home is worth

Important Information

Get started today to see if you qualify for HARP and join the over 3 million homeowners that have saved an average of $290 per month, that’s $3,500 per year, with a HARP refinance loan[1]


  • Take advantage of today’s rates even if you owe more than your home is worth
  • You could lower your monthly mortgage payments, adjust the length of your loan and do it with little to no closing costs[2]
  • No mortgage insurance is needed if none is in place with your current mortgage
  • A property appraisal may not be needed
  • This government loan program is only available for a limited time[3]


  • You are current on your mortgage payment, with no late payments in the past six months and no more than one late payment in the past 12 months
  • You have not already refinanced the same property in the past with a HARP loan
  • Your existing loan closed on or before June 1, 2009 and is owned or guaranteed by either Fannie Mae or Freddie Mac.
  • To find out if your have a Fannie Mae or Freddie Mac home loan, simply call the toll free number below or visit their websites by clicking on the links below.

Fannie Mae:

Phone: 1.800.7FANNIE (8am – 8 pm ET)

Website: www.fanniemae.com/loanlookup

Freddie Mac:

Phone: 1.800.FREDDIE (8am – 8pm ET)

Website: www.freddiemac.com/mymortgage

Let's Talk

Discuss your preferences, learn more about your loan options, and see if you are pre-qualified.


Get Started Online

With a PNC Loan Officer:

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Mon – Thurs: 8am – 10pm ET
Fri: 8am – 6pm ET
Sat: 9am – 2pm ET

Want a more complete picture of your home lending loan?

Explore the Understanding Home Lending Center to learn the mortgage process, find the right loan or line of credit for you, and explore options to lower your payments. 

Learn More

Important Legal Disclosures & Information

  1. Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinancing Program, Housingwire.com, September 23, 2015

  2. A no-closing-cost loan generally carries a higher interest rate than a loan where the consumer pays the closing costs.

  3. The Home Affordable Refinance Program (HARP) expires on 9/30/2017

    Freddie Mac and Fannie Mae have adopted changes to the Home Affordable Refinance Program (HARP) and you may be eligible to take advantage of these changes. If your mortgage is owned or guaranteed by either Freddie Mac or Fannie Mae, you may be eligible to refinance your mortgage under the enhanced and expanded provisions of HARP. You can determine whether your mortgage is owned by either Freddie Mac or Fannie Mae by checking the following websites:



PNC and PNC HomeHQ are registered service marks of The PNC Financial Services Group, Inc. ("PNC"). PNC is a registered service mark of The PNC Financial Services Group, Inc. (“PNC”). All loans are provided by PNC Bank, National Association, a subsidiary of PNC, and are subject to credit approval and property appraisal.

PNC Bank, National Association. Member FDIC.