Mortgage Payment Options

PNC offers a wide range of mortgage payment options, allowing you to choose the one that’s most convenient for you.

Highlighted below are the different ways you can pay, along with our FAQs about every payment option.

Payment Methods and FAQs

Explore our payment options chart and our most popular Frequently Asked Questions.

PNC Online Banking

It's free, secure and easy to use.

Make a Payment Feature

Pay your mortgage from your PNC or non-PNC Checking or Savings account using the Make a Payment feature within Online Banking.

Same day, future dated or recurring* payments are available. Same day payments scheduled before midnight ET are posted (credited) effective that day.

*The recurring payment amount automatically adjusts if your monthly mortgage amount due changes.

Automated Payment Program

Have your mortgage paid automatically from any deposit account, including accounts at other banks.

How do I sign up for the Automated Payments Program?

To sign up for our free Automated Payments Program and have your loan payments automatically deducted from your checking or savings account, including accounts at other banks, download the Automated Payment Authorization form.

Automated Payment Authorization Form (Mortgage and Home Equity) - Complete, sign, and return this form by mail, fax, or to a branch using the instructions provided on the form.

If you would prefer to have the Automated Payment Authorization form emailed to you so that you may complete and submit the form electronically, please contact our Customer Care Center at 1-888-762-2265.

Pay by Phone 

Make an immediate mortgage payment from any account, including accounts at other banks.

What Is Pay by Phone?

Pay your Mortgage by phone from any account, including accounts at other banks.

Mail Your Payment

Make free payments by mail.

How do I pay by mail?

Use the form on your billing statement to make your monthly mortgage payments to PNC Mortgage.

If you misplace your billing statement, you can mail your payment to one of the following addresses:

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

PNC Mortgage Payments
P.O. Box 31001-2929
Pasadena, CA 91110-2929

EAST: 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, WI

PNC Mortgage Payments
P.O. Box 771021
Chicago, IL 60677

In-Branch Payment 

Make a mortgage payment at many of our convienient PNC branch locations.

How can I pay my mortgage at a PNC branch?

Use the form from your billing statement to make your monthly mortgage payments to PNC Mortgage and write your loan number on your check.

Bi-Weekly Automated Payment Program

Pay off your loan faster and reduce the total interest you will pay on your mortgage.

What is the Bi-Weekly Automated Payment Program?

The PNC Mortgage Bi-Weekly Automated Payment Program helps you pay off your mortgage loan faster and reduce interest payments. You will have 1/2 of your monthly mortgage payment automatically drafted from your checking or savings account every 2 weeks. This will result in a total of 13 monthly payments per year - instead of 12.

The 13th payment, or "extra" payment, will automatically be applied to your principal balance, reducing the total interest you will pay on your mortgage over the life of the loan. The first 1/2 payment drafted each month will be held in a non-interest bearing account, and will be applied to your mortgage once a full monthly payment is received.

To learn more about this program, review the Bi-Weekly Automated Payment Authorization form for more details, including how to sign up.

Payoff Information 

Important need to knows about paying off your home mortgage.

Does PNC Mortgage hold the deed to my property?

No. You should have received a copy of the Deed after the closing on your loan when you purchased the property. The original Deed was sent for recording at the Recorder's Office of the county in which your property resides. The Deed should then have been returned to you. You may obtain a copy of the recorded Deed from your County Recorder's Office.

Principal Reduction Options 

You may be eligible for a Modification – find out today.

Is it possible to lower my monthly mortgage payment after applying a large sum of money to the principal of my loan?

If applicable, a Principal Reduction Modification can be executed within 12 months from the time a borrower applies a lump sum of $10,000 or more to the principal balance of their loan. The interest rate and term of the loan will remain the same.

The loan is re-amortized or 'recast' based on the lower balance. The loan must have investor approval before this transaction can be completed. Most private investors will not allow a modification to the loan.

Transferred Loans

I already sent my monthly payment to my previous servicer. Will my payment be forwarded to PNC?

After the effective date of transfer, your previous servicer may either forward your payment directly to PNC or return it to you. If your payment is returned, you will need to forward it to us. For 60 days after the effective date of transfer, you will not be charged a late fee if your timely payment is received by your previous servicer instead of PNC.

Additional Questions

A few more answers to common payment option questions you may have.

Important Legal Disclosures and Information

  1. PNC Mortgage pay by phone transactions are free via our automated phone service or with agent assistance.

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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