Mortgage Lending

Customer Center

Getting Started

It’s easy to manage your mortgage loan with PNC Online Banking. Think of it as your 24/7 secure online resource for viewing important mortgage account information and accessing helpful tools to manage your loan. Additionally, you can sign up for paperless statements, use the amoritzation calculator or view payment options for your mortgage.

Enroll in Online Banking 

What you’ll need to set up your access to Online Banking.

Go Paperless 

Get organized and save paper with paperless statements.

Amortization Calculator

See how extra payments may impact your payoff schedule.

Payment Options 

Schedule payments for your mortgage account.

How to read your mortgage statement»

Mortgage Transfer

Answers to common questions regarding mortgage servicing transfers.

Using Online Banking

It’s easy to manage your mortgage loan with PNC Online Banking. 


PNC Online Banking is your 24/7 secure online resource for viewing important mortgage account information and accessing helpful tools to manage your loan.

Once logged into Online Banking start realizing the many benefits, including:

  • Get organized and save paper with paperless Mortgage statements
  • Setup account alerts to stay informed
  • Schedule payments for your mortgage account
  • Access mortgage documents such as your escrow statements and year-end tax statements (form 1098)Schedule Recurring Mortgage Payments

Getting started with Online Banking for the first time? Here's what you'll need:

  • Social Security Number (SSN)
  • PNC Account Number
  • One of the following:
    • PNC Visa® Debit Card PIN
    • Online Access PIN
    • Mobile or Phone Number to receive a one-time passcode.

If you don't have a PIN, please call Customer Care 1-800-762-2265 for assistance.

Enroll in Online Banking 

Answers to Common Online Banking Questions

Find answers to some of the common questions about using online banking to service your PNC mortgage.

Payment Information

Payment Methods

How Does It Work?


PNC Online Banking You can schedule payments from a PNC deposit account or from an external non-PNC deposit account. Click Make a Payment on your account activity screen in Online Banking. Free[1]
Automated Payments Pay your mortgage with automated payments from any account, including accounts at other banks. Free
Pay by Phone Pay your mortgage by phone from any account, including accounts at other banks.  $7 or free from a PNC account[2]
Mail Your Payment

Mail a check with the remittance slip at the bottom of your statement. If you don’t have a statement, make sure you write your PNC loan account number on the check. These addresses are for payments only:

Customers residing in AK, AZ, AR, CA, CO, HI, ID, IA, KS, LA, MN, MS, MO, MT, NE, NV, NM, ND, OK, OR, SD, TX, UT, WA, or WY

Address for regular mail payments:

PNC Mortgage Payments
PO Box 31001-2929
Pasadena, CA 91110-2929

Address for overnight mail payments:

PNC Bank c/o Pasadena Tech Center
465 N Halstead St
Ste 160 Pasadena, CA 91107

Customers residing in AL, CT, DE, DC, FL, GA, IL, IN, KY, ME, MD, MA, MI, NH, NJ, NY, NC, OH, PA, PR, RI, SC, TN, VT, VA, WV, or WI

Address for regular mail payments:

PNC Mortgage Payments
PO Box 771021
Chicago, IL 60677

Address for overnight mail payments:

PNC Bank
350 East Devon Ave
Itasca, IL 60143

In-Branch Payment Payment is accepted in many PNC bank branches during normal branch hours and is effective as of the date payment is made, although it may take up to 2 business days for the payment to be reflected on your account. Free
Bi-Weekly Automated Payments A draft in the amount of half of your monthly payment is made every 2 weeks and held in escrow. A payment is applied after there are sufficient funds to make a complete payment, resulting in 13 payments being made in a year. Free


Calculate How Extra Payments Impact Your Mortgage

Use this calculator to see how extra payments on your mortgage can save you interest over the life of the loan. You can see how much interest you'll pay, the difference extra payments can make and the amoritizaion schedule of your existing loan versus a loan with added payments.

PMI, Escrow & Important Documents


Can I remove my PMI (Private Mortgage Insurance)?

Single family dwelling mortgage loans secured by a primary residence and closed after July 29, 1999 are covered under the Homeowner’s Protection Act of 1998 (HOPA). The Act gives customers the right to request PMI deletion once the Loan to Value (LTV) ratio reaches 80%. Cancellation will automatically occur when the loan reaches an LTV ratio of 78% under its original amortization schedule, provided all loan payments are current.

If you feel your loan qualifies for PMI deletion, please send a written request to the PNC Bank address listed below, so your request can be reviewed accordingly. PMI deletion requires a good pay history: no payment may be 30 or more days late in the past 12 months, and no payment may be more than 60 or more days late in the past 24 months. You may be responsible for the costs of an appraisal.

PNC Bank
Attention: PMI Department B6-YM13-01-5
PO Box 8736
Dayton, OH 45401-8736

Or call the Customer Care Team at 800-822-5626

If there is a shortgage in my escrow account, what should I do?

You may pay the shortage from your escrow analysis statement through our online banking, by calling our customer care team, or visiting your local branch.  Upon receipt of the escrow payment shortage, we will adjust your payment to reflect the lower payment amount. If you choose not to pay the shortage, the shortage will be divided by 12 and spread over the next 12 months payments, interest free. In either case, your mortgage payment will be adjusted to reflect the new amount.

Why did my payment change?

An increase or decrease in your payment may be a result of an increase or decrease in your property taxes and/or insurance premiums and may result in an escrow shortage or surplus. An increase or decrease in your taxes may be due to a property reassessment, a change in the tax rate, a change in an exemption or a special assessment.

For more information, view our guide to property insurance and taxes »

Homeowners Insurance Processing Center

Financial Hardships

Understanding Your Options

Unexpected events may impact your ability to make your mortgage payments. We understand and we're ready to help discuss how you can get back on track.

Life changing events impacting your finances can occur. A few examples to consider are the following:

  • Are you unemployed?
  • Have you had a reduction in your income?
  • Does illness or injury prevent you from making your loan payments?
  • Has divorce affected your ability to make loan payments?
  • Has any other unexpected life event affected your ability to make your loan payment?

The first step is to contact us to discuss your personal situation. This will allow us to provide you with the right loan options to meet your needs and get you started on a mortgage assistance plan that’s right for you and your family.

If you are having trouble making payments call: 1-800-523-8654

Learn more about the various hardship assistance options we offer that may fit your needs »

Financial Hardship Assistance

For a COVID-19 related hardship, please visit our COVID update center.

For longer-term hardships (not COVID-19 related), please use our Homeowner's Assistance Application.

Contact Us

Can't find what you're looking for? Get in touch with our Home Lending Center.

Current Mortgage Customers


24-hour Automated Account Information is available 24/7, 365 days a year.

PNC Customer Care Consultants are Available:

7:00 a.m. - 10:00 p.m. ET

Saturday - Sunday
8:00 a.m. - 5:00 p.m. ET

Request of Information: To assert an error or to request information regarding your account, you must submit the notice of error or request for information in writing to: PNC Bank, PO Box 8807, Dayton, OH 45401-8807.

New York Borrowers Only: You may file complaints and obtain further information about PNC by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department's website at WWW.DFS.NY.GOV.


Important Legal Disclosures and Information

  1. There may be fees for certain optional services in Online Banking.

  2. PNC Mortgage pay by phone transactions are free via our automated phone service or $7 with agent assistance, unless payments are made from PNC Bank accounts or as otherwise restricted by state law.

Equal Housing Lender

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.

©2022 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association.

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