Mortgage Loans

Which home loan is right for you?
Find the right option based on loan terms, down payment and other special circumstances.

PNCCheck Current Rates 

Not sure where to start? Home Insight®Planner can help.

Planner is a tool that can determine a mortgage payment that you can afford, based on your actual budget and lifestyle. You can also start shopping for homes with real­‐time rates and loan products.

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Home Insight Planner
Consistent payments for the life of your loan.
  • Loan terms between 10 and 30 years
  • Down payments as low as 3% of purchase price
  • Single family loan amounts up to $424,100

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A set rate for a defined period of time, which will adjust later.
  • Lower payments for the first years of your loan
  • Rate is set for a predetermined period, then will reset with a new rate that can be either higher or lower depending on market conditions at the time the adjustment occurs
  • Could be ideal if you’re expecting an increase in income, or planning to live in the home for a short period of time

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For home financing options above $424,100.
  • Loan terms between 15 and 30 years
  • Fixed rate, adjustable rate and interest-only payment options 

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Government loan program with more flexible qualification criteria than conventional loans.
  • Down payments as low as 3.5%
  • Seller can assist with up to 6% of purchase price toward closing costs
  • Fixed and adjustable rate options

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1st and 2nd combination mortgages can eliminate the need for private mortgage insurance and provide flexibility in your home financing.
  • For a 20% down payment, put down as little as 10.1% of the purchase price and finance the remaining 9.9% with a Home Equity Line of Credit 
  • Potentially lower your monthly payment by eliminating private mortgage insurance (PMI)
  • Interest on both loans may be tax-deductible. Consult a tax advisor

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Home loan options for active military, veteran, reservist or National Guard.
  • Little to no down payment required
  • Fixed rate and adjustable rate payment options are available

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Important Legal Disclosures and Information

Pre-approvals are subject to property underwriting and appraisal. Borrower must satisfy pre-approval conditions outlined in commitment letter. Loan amount subject to property appraisal.

PNC, PNC HomeHQ, PNC Home Insight®, Home Insight® and PNC AgentView® are registered service marks of The PNC Financial Services Group, Inc. ("PNC"). PNC has pending patent applications directed at various features and functions of Home Insight Tracker, Home Insight Planner, and PNC AgentView. 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.