Experiencing Financial Trouble?

Are you having trouble making your payments? If a life changing event is impacting your financial well-being, PNC wants to help.

Unexpected events may impact your ability to make your home loan 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 home loan assistance plan that’s right for you and your family.

Start Hardship Application

We Can Help

If you find yourself in any of these situations, please don’t hesitate to request assistance from PNC by contacting a PNC Borrower Assistance Representative today.

PNC Borrower Assistance Representative:

Mortgage: 1-800-523-8654

Home Equity: 1-866-622-2657 ext. 66520

Fax: 1-855-288-3974

Mon – Thurs: 8am – 9pm ET
Fri: 8am – 7pm ET
Sat: 8am – 2pm ET

Write to Us:

PNC Bank
Attention: Central Receipts B6-YM07-01-C
3232 Newmark Drive, Miamisburg, OH 45342

Key Steps to Getting Started

Let's review steps for applying for hardship assistance if staying in your home is an option you're considering.

Understand Your Options

When considering your financial and home ownership options, think about your goals. We have various hardship assistance options that may fit your needs.

Loan Modification Program

Loan Modification Program

If you can no longer afford to make monthly loan payments, you may qualify for a loan modification to make them more affordable.

Am I Eligible?

Some of the initial eligibility guidelines for the Loan Modification Program include:

  • Your loan payment ratio (including taxes, insurance, and home owners association dues) based on gross income, must meet program guidelines
  • If you previously defaulted on a payment during your Trial Payment Plan or Modification you may still qualify

Print a hard copy of the application and mail or fax it to us:

Loan Modification Program Application Packet

Frequently Asked Questions


Important documents and helpful outside resources.

Financial Assistance Documents

Important Legal Disclosures and Information

  1. Provided we receive your application at least 38 days before a scheduled foreclosure sale.

Equal Housing Lender

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.

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

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