Home Buying Made Easy

Getting a mortgage shouldn't be intimidating.

Find out how the process works, from getting prepared to closing.

Ready to Apply?

Provide information to start the pre-approval or loan process.

Let's Talk

Discuss your preferences with a loan officer.


Before you start shopping for a new home, it's important to figure out what you can afford.


Getting pre-approved shows sellers you're a qualified buyer and puts you in a stonger postition to negotiate.


Find out how much to save and get tips for reaching your goal.


Know What You Can Afford.

Make Sure You’re Ready

Buying your first home is a big financial step. You’ll want to consider the added financial responsibilities, including things like moving costs, home repairs, landscaping, property taxes and insurance. You should have a steady income, manageable debt and feel confident you will stay in one place for awhile.

Start by assessing your income. Then consider liabilities like student loans, credit card balances and auto loans. Ideally, the amount of your monthly debt payments, including your proposed mortgage payment, should be equal to or less than 36% of your gross monthly income. And remember to budget for a down payment (typically 5% to 20% of the purchase price) and closing costs (usually estimated at 2% to 3% of the purchase price).

Watch how to use the PNC Home Insight® to help plan a budget for a home you can afford.

The Pre-Approval Process[1]

Learn how this simple step could help you get the home you want.

Getting Pre-Approved

Make the Smart Move, Get Pre-Approved Now.

Show sellers you’re a qualified buyer and put yourself in a stronger position to negotiate. 

First and foremost, you’ll know in advance exactly how much you can borrow, so you won’t waste time looking at out-of-reach properties. You’ll be able to better estimate monthly mortgage payment so you can budget around it. Plus, it shows real estate agents and sellers that you are serious–which can give you an advantage over other buyers.

Get approval in as little as 48 hours.

Once your paperwork is complete, you can often get a commitment letter from your lender in as little as 48 hours. Most pre-approval letters are good for 60 days. If you need more time, your lender will most likely pull a current credit report to make sure your financial situation hasn’t changed

Or start the process with a preliminary pre-approval - get one online in minutes »

Documents for Pre-Approval

Here’s what you’ll need.

To get pre-approved, be prepared to provide:

  • Recent pay stubs – usually for the previous two or three months
  • If you are employed, W-2s and federal tax returns for the past two years
  • If you are self-employed, two years of business tax returns, profit and loss statement and a current year-to-date balance sheet. If a current balance sheet is not available, business banking statements may be acceptable for a Sole Proprietor.
  • Two to three months of recent bank statements, and other investment and savings statements
  • Contact information for your landlord (if you rent)
  • Your divorce decree if applicable

The lender will also analyze your credit report (for you and any co-applicant) to determine if you qualify and what rate you may be offered. Having an average or better credit score will work in your favor. Learn more about your credit score.

The Application Process

PNC and your mortgage loan officer have the tools and insight to help guide you through the mortgage application process.

The Mortgage Application Process

1. Choose a Loan

Consult with a Mortgage Loan Officer to determine which loan best fits your budget. 

2. Confirm Your Interest Rate

Decide if you want to lock in your interest rate.

3. Get a Loan Estimate

We’ll send you a Loan Estimate outlining the terms. If everything is in order, you can let us know you are ready to proceed. 

4. Meet Your PNC Team

Your PNC Team will work with you to verify your income and assets, while also arranging your property appraisal.

5. Schedule a Closing

When everything is approved, your PNC Team will call you to schedule a closing.

Get Started Now »

Home Insight Planner & Tracker


Home Insight Planner


A complete understanding of how much home you can afford.

Don't base your home buying decision on online affordability tools that only rely on formulas to estimate your budget. Use PNC Home Insight Planner  to take into account your actual budget and spending habits, so you can be confident that you’re making the best decisions for your future.

Home Insight Planner can help you:

  • Generate home affordability scenarios based on your actual budget information.
  • Get a clear view of your spending habits and adjust your expenses so you can find a home payment that works for you.
  • Search for homes within your budget and save the ones you like as part of your customized home affordability summary.
  • See real-time mortgage rates and learn which mortgage products can make homeownership a reality.


Home Insight Tracker


Easily track and manage your mortgage application online

Home Insight Tracker brings a new level of transparency and mobile accessibility to the mortgage process. This digital tool keeps you up to date on the status of your mortgage application -- every step of the way!

Tracker helps you: 

  • Check the status of your application and verify application details 
  • Manage your application, and upload documents, from your smart phone, tablet, or desktop computer  
  • Receive real-time emails when your application has reached key milestones 
  • View your home lending team contact information and exchange secure messages 




Ready to Apply? Let's Talk

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


Provide some preliminary information to begin the pre-approval or loan process today!

Get Started Online

With a Loan Officer:

We are available at branches nationwide to discuss your preferences, learn about your loan options, and see if you're pre-qualified.

Find a Loan Officer


Important Legal Disclosures and Information

  1. 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.

For Adjustable Rate Mortgages loans ("ARMs"), rates may increase after settlement.

Final loan approval and amount are subject to verification of loan data, property appraisal and underwriting conditions

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.

The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member FDIC