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.

We Can Help

PNC Borrower Assistance Representatives:

Mortgage: 1-800-523-8654

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

Fax: 1-855-288-3974

Mon – Thurs: 8 a.m. – 9 p.m. ET
Fri: 8 a.m. – 7 p.m. ET
Sat: 8 a.m. – 2 p.m. 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.

Step 1:

For fastest response time:

Complete the Digital Hardship Application

Note: You are required to authenticate using your online banking credentials to access the Digital Hardship Assistance Application. If you are not enrolled in Online Banking, you will be provided a link to enroll. If you do not wish to enroll or prefer to submit your application via fax or mail, you may access the PDF version of the Hardship Assistance Application.

Step 2:

If you still have questions or concerns, call to discuss your situation.

Please note that call wait times are currently high.

Mortgage: 1-800-523-8654

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

Step 3:

You've Submitted Your PNC Application.

  • PNC will review your application and verify all documents for completion.[1]
  • PNC will determine your eligibility for a loan modification or other assistance options.
  • PNC will complete the eligibility process within 30 days from the time we receive your complete application.
  • After our review, you will receive a written determination letter offering you all loan assistance options for which you qualify.

If you have any questions, please contact us:

Mortgage: 1-800-523-8654

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

To Submit a Hardship Application via Mail or Fax

  • Download Hardship Application if you'd like to fill out and send PNC your Hardship Application.
  • Complete the PNC Hardship Assistance Application.
  • Submit your completed Hardship Assistance Application to us via fax (1-855-288-3974) or mail.

Supporting Documents:

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

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

Liquidation Foreclosure Alternative (LFA)

The Liquidation foreclosure Alternative includes additional foreclosure avoidance options, such as Short Sale and Deed-in-Lieu of Foreclosure.

Am I Eligible?

To be considered for LFA, you must be considered for other loan modifications or retention programs that are offered. You may have the opportunity to be considered for LFA if you lack other options and request a short sale or deed-in-lieu.

We will consider you for LFA if you:

  • Do not qualify for a Trial Period Plan OR
  • Do not successfully complete a trial period OR
  • Are delinquent on a modification by missing at least two consecutive payments OR
  • Request a short sale or deed-in-lieu

You must provide a marketable title, free and clear of other mortgages, liens, or other encumbrances.

Homeowner Assistance Fund

The Homeowner Assistance Fund (HAF) was created by the American Rescue Plan Act to help homeowners struggling to make housing payments during the COVID-19 pandemic. The Homeowner Assistance Fund provides up to $50 million to each state, Washington D.C. and Puerto Rico. The U.S. Department of Treasury will issue the funds to each state once the U.S. Department of Treasury has approved their Homeowner Assistance Fund program guidelines and requirements. Please see below for further information on how you can reach out to your state to find out if you are eligible to receive Homeowner Assistance Funds.  

Where can I find more information about my State’s Homeowner Assistance Fund (HAF) program requirements?

More information about Homeowner Assistance Fund (HAF) by state can be found at: https://www.ncsha.org/homeowner-assistance-fund/.

State Website Phone # TDD Phone # Email
Alabama Alabama Housing Finance Authority   888-460-9977  
Alaska Alaska Housing Relief 907-338-6100 800-478-2432  
Arizona Arizona Department of Housing 602-771-1000   https://housing.az.gov/about/contact-us
Arkansas Arkansas Homeowner Assistance Fund   888-698-0964  
California California Housing Finance Agency   877-922-5432 (Sacramento)

(Los Angeles)
Colorado Colorado Department of Local Affairs 1-877-601-4673 888-480-0066  
Connecticut Connecticut Housing Finance Authority 844-281-4663    
Delaware Delaware State Housing Authority   888-363-8808  
Florida Florida Department of Economic Opportunity 850-488-4197    
Georgia Georgia Department of Community Affairs   800-436-7442  
Hawaii Hawaii Housing Finance & Development Corporation   888-456-2227  
Idaho Idaho Housing and Finance Association   855-505-4700  
Illinois Illinois Housing Development Authority 312-836-5200 866-324-4431  
Indiana  Indiana Housing and Community Development Authority   877-438-4673  
Iowa IowaMortgageHelp.com 877-622-4866    
Kansas Kansas Housing 785-217-2001   khaf@kshousingcorp.org
Kentucky Kentucky Housing Corporation   866-830-7868  
Louisiana Louisiana Homeowner Assistance Fund 225-763-8700 888-454-2001  
Maine Maine Bureau of Consumer Credit Protection 207 624-8527   CCP.PFR@maine.gov
Maryland Maryland Department of Housing and Community Development   800-756-0119 customerservice.dhcd@maryland.gov
Massachusetts Mass.gov/haf      
Michigan Michigan State Housing Development Authority   855-646-7432 MSHDA@michigan.gov
Minnesota MNHousing.gov 651-296-7608 800-657-3769 mn.housing@state.mn.us
Mississippi Mississippi Home Saver Plus 601-718-4647    
Missouri Missouri SAFHR for Homeowners 833-541-1599   mo.safhr@mhdc.com
Montana Montana Homeowner Assistance Fund 844-406-2772    
Nebraska No Information at this time       
Nevada  Homeagainnevada.gov 1-855-457-4638    
New Hampshire New Hampshire Housing 603-472-8623 800-649-0470 info@hnhhfa.org
New Jersey New Jersey Housing and Mortgage Finance Agency 609-278-7400   askstaff@njhmfa.gov
New Mexico New Mexico Mortgage Finance Authority 505-843-6880 800-444-6880  
New York New York State Homes and Community Renewal 866-488 0498

800-659-8331 (English)

800-327-1857 (Spanish)
North Carolina North Carolina Housing Finance Agency   800-393-0988

Dial 711 for Relay North Carolina Services
North Dakota North Dakota Housing Finance Agency 800-292-8621 800-366-6888 hfainfo@nd.gov
Ohio www.ohiohome.org 202-622-2000    
Oklahoma https://www.ohfa.org/ 405-848-1144 800-256-1489 Home - Oklahoma Housing Finance Agency (ohfa.org)
Oregon https://www.oregon.gov/OHCS/pages/index.aspx 503-986-2000 877-788-5663 Hcs.HAF@oregon.gov
Pennsylvania https://www.phfa.org/   855-827-3466  
Puerto Rico Homeowner Assistance Fund (HAF) Program (tidalbasingroup.com) 888-226-0678    
Rhode Island https://www.rihousing.com/ 401-457-1130 401-450-1394  
South Carolina SCHousing.com 803-896-9001 803-896-8831  
South Dakota https://www.sdhda.org/ 605-773-3181   ingo@sdhda.org
Tennessee https://thda.org/ 615-815-2200 800-228-8432  
Texas http://www.tdhca.state.tx.us/ 512-475-0657 800-735-2989 info@tdhca.state.tx.us
Utah https://utahhousingcorp.org/ 801-902-8250 900-344-0452 webmaster@uthc.org
Vermont https://www.vhfa.org/ 802-864-5743 800-339-5866 gdemas@vhfa.org
Virginia https://www.vhda.com/Pages/Home.aspx 804-783-6729 800-235-6729 loanservicing@virginiahousing.com
Virgin Islands www.vihfa.gov 340-772-4432   fwebster@vihfa.gov
Washington http://www.wshfc.org/ 206-464-7139 877-894-4663
Washington D.C. https://dhcd.dc.gov/node/1557026 202-442-7200   dhcd@dc.gov
West Virginia https://www.wvhdf.com/ 304-391-8600 800-933-1272 servicing@wvhdf.com
Wisconsin https://www.wheda.com/ 608-266-7884 800-334-6873 info@wheda.com
Wyoming https://www.wyomingcda.com/ 307-265-0603   infor@wyomingcda.com
  dfs.wyo.gov/HAF 307-777-7564 800-457-3659 Korin.Schmidt1@wyo.gov


Other Alternatives

We understand that there are events and circumstances that may cause you to fall behind on your loan payments. If you have found yourself in this situation, please contact us. A variety of assistance programs may be available depending upon your circumstances.

Frequently Asked Questions

If you are having financial difficulties, it’s always best to make us aware of your situation. We may have a payment program available to help you through your financial hardship. To learn more call to speak with a PNC Borrower Assistance Representative:

Mortgage: 1-800-523-8654

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

If you signed the Note and Mortgage, you are still liable for the payments.

A divorce agreement does not alter your obligation to make payments.

No. Deeding your interest in the property to someone else only means that you no longer own the home. You are still obligated to make payments, as stated in your Note and Mortgage.

You can reinstate your loan at any time up to the confirmation of foreclosure sale date if you pay all past due payments plus any fees and costs associated with the foreclosure.

In some states, the mortgagor can redeem the property after the Sheriff sale date. Redemption involves a total due payment to a court official, for the amount that was established by the foreclosure action.

In a Short Sale, you will list the property with a licensed Real Estate Agent. The sale of the property is typically for less than the full amount due on the loan. When an acceptable offer is received, the servicer or investor must approve the offer and terms of the contract. Upon completion of the short sale, the lien on your property will be removed; however, you may continue to be responsible for any deficiency amount owed on the loan after the short sale proceeds are applied. There may be tax consequences if the deficiency amount is waived.  Please consult your tax advisor. 

If you have received an offer to buy your house and haven’t started the Short Sale process, you might still qualify. Contact us immediately for details.

With the Deed-in-Lieu of Foreclosure, you voluntarily transfer ownership of your property to the servicer or investor in full satisfaction of the total amount due. The servicer or investor may require that you list and market the property before they agree to a deed-in-lieu arrangement.

Other terms and conditions apply to the Short Sale and Deed-in-Lieu programs. Contact a PNC Borrower Assistance Representative for more details:

Mortgage: 1-800-523-8654

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

There still may be options and opportunity to retain or liquidate the property. Please contact a PNC Borrower Assistance Representative for more details:

Mortgage: 1-800-523-8654

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

You should contact the lender or the company identified on your monthly loan statement to confirm the identity of your loan servicer.

Both Fannie Mae and Freddie Mac have established toll-free telephone numbers and websites to make this data available. On the website you may enter information to determine if either agency owns or has securitized your existing loan.

Contact Resources

Fannie Mae: 1-800-2FANNIE (8 a.m. – 8 p.m. ET)


Freddie Mac: 1-800-FREDDIE (8 a.m. – 8 p.m. ET)



Financial Assistance Documents

U.S. Department of Housing and Urban Development:




Office of the Comptroller of the Currency (OCC):


Hope Now:


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