| Payment Methods | Main Details | How To Use |
Cost |
| PNC Online Banking |
Make a payment to your account using PNC Online Banking. You can schedule one time or recurring payments. | Navigate to PNC Online Banking and select your account. Click Make a Payment on your account activity screen to schedule a payment. | FREE |
| Automated Payments | Enroll in the Automated Payment Program and have your monthly payment automatically deducted from your deposit account. | Download, complete, and return the Automated Payment Authorization form using the instructions on the form OR call 1-888-762-2265 to have the form emailed to you to be submitted electronically. | FREE |
| Bi-Weekly Automated Payments | Enroll in the Bi-Weekly Automated Payments Program and have half of your monthly mortgage payment automatically deducted every 2 weeks from your deposit account. | Download, complete, and return the Bi-Weekly Automated Payment Authorization form to the address or fax number listed on the form, or to your local PNC branch. | FREE |
| Pay by Phone - Voice Banking | Make a one time, same day payment using our Voice Banking service. | Pay over the phone with Voice Banking by calling 1-888-PNC-BANK (1-888-762-2265).* If paying from a non-PNC deposit account, have your account number and routing number available. |
FREE |
| In-Branch Payment | Make a payment at any PNC Branch. | Visit a PNC Branch during normal branch hours to make a payment. The payment is effective as of the date the payment is made, although it may take up to 2 business days for the payment to be reflected on your account. | FREE |
| Mail Your Payment | Make a payment to your account by mail. 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: Address for overnight mail payments: |
Send a check in the mail along with the payment slip provided at the bottom of your monthly billing statement. If you do not have a statement, please make sure to write your PNC account number on your check. 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 overnight mail payments: |
FREE |
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.
Making Your Payments
Legal Disclosures and Information
- *Your use of the Voice Banking service, with the entry of your PIN, is your authorization for PNC Bank to initiate a payment via an ACH debit or other electronic entry to the designated account. Your payment cannot be canceled after you have submitted it.
When are my payments due?
Most mortgage loans are due on the 1st of each month.
You may refer to your loan closing documentation, first payment letter, or mortgage statement to confirm your payment date.
How much time should allow for my payment to reach PNC when payment is mailed?
It is a good idea to allow 7 to 10 days for receipt of payment, particularly during holidays when mail volumes are heavy.
If my payment is due on the 1st and I have a 15-day grace period, when would a late charge be assessed?
PNC has different grace periods, but the majority of loans are assessed a late charge on the night of the 16th. Late fees vary in accordance with the mortgage note.
May I make my payment with a credit card?
No. Your monthly payment must be drafted from a checking or savings account, or mailed to us.
Will you accept less than the total amount due?
Rather than making a partial payment, please call 1-800-523-8654 to speak to a Customer Service Representative about your options. We may have a program available to you that permits a period of forbearance.
Can I pay additional money towards my principal and have my loan re-amortized to reduce my monthly payments?
Some loans qualify for a Principal Reduction Modification. PNC Mortgage will allow you to pay a minimum of $10,000 towards your principal and re-amortize your loan, which will reduce your monthly principal and interest payment. To find out if this option is available to you, please call one of our Customer Service Representatives at 1-800-822-5626, or mail your request to:
PNC Mortgage
P.O. Box 1820
Dayton, OH 45401-8807
What does it mean to re-amortize a mortgage loan?
Amortization is the schedule for repayment of the loan. At inception, the amortization, or schedule, is set. Re-amortization is when at some point during the repayment, the schedule of payments is changed.
If I make an additional principal payment to my loan after my monthly mortgage payment has been paid, how will the funds be applied to my mortgage?
The funds will be applied to principal as long as you write "Principal Only" on the memo line of the check along with your loan number. You will need to send the check to the address on your payment billing statement. Note, we will not be able to process the principal payment if your current month’s payment has not been received, your loan is delinquent, or if you have outstanding late fees.
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.
How do I make a payment using the Make a Payment Feature?
- Log in to Online Banking»
- Not using Online Banking? Enroll Now!
- Access your mortgage account
- Click Make a Payment
- Select the appropriate payment option
- Select a “From” account. If your making a payment from a non-PNC account, you’ll need the bank routing number and account number to add the external account.
- Enter your payment details and schedule your payment
PNC Online Bill Pay
PNC Online Bill Pay puts you in control of your payments.
With a PNC checking account, you can add PNC Mortgage to your list of payees through the Pay Bills tab in PNC Online Banking. Return each month to make your payment or setup recurring* payments for convenience.
- You determine when payments are made and how much to pay.
- Payments entered by 10:00 pm ET typically can be scheduled for the next business day.
- Payments can be scheduled up to a year in advance.
*The recurring payment amount will not automatically adjust to changes in your monthly mortgage amount due.
How do I make a payment using PNC Online Bill Pay?
- Log in to Online Banking» Not using Online Banking? Enroll Now!
- Click the “Pay Bills” tab
- Add PNC Mortgage as a biller. Be sure to have your mortgage account number and the payment address zip code from your billing statement handy.
- Schedule your bill payment.
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.
How does the Automated Payment Program work?
By completing and returning the Automated Payment Authorization form, you are authorizing PNC to automatically draft your monthly payment from your designated checking or savings account with PNC or another bank.
How long does it take to have automated payments set up on my account?
Once you complete and return the Automated Payment Authorization form, it may take up to ten (10) business days from the date we receive your completed authorization form to process your request. Please continue to make your payments until you receive a confirmation letter with the date that your automated payments will begin.
What is the benefit of enrolling in the Automated Payments Program?
With automated payments, your monthly payment will be automatically deducted each month and applied to your account as of your payment due date. Your payments will be made on time each month, as long as there are available funds in your designated checking ot savings account to cover the payment.
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.
How much does it cost?
Free via our automated phone service or with agent assistance.
How do I get started?
Pay over the phone with Voice Banking by calling 1-800-822-5626.
* If paying from a non-PNC deposit account, have your account number and routing number available.
*Your use of the Voice Banking service, with the entry of your PIN, is your authorization for PNC Bank to initiate a payment via an ACH debit or other electronic entry to the designated account. Your payment cannot be canceled after you have submitted it.
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
How much does it cost?
It is free to pay by mail.
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.
How long will it take to process my payment in a branch?
It may take up to 2 business days for the mortgage payment to be reflected on your account.
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.
How much does it cost?
There is no cost to you for your enrollment in the PNC Bi-Weekly Automated Payment Program.
How do I get started?
Click here to download the Bi-Weekly Automated Payment Authorization Form, then complete, sign, and return the form to us by mail, fax, or to a branch following the instructions provided on the form. The form also contains more details about the program, including what to expect once your authorization form has been submitted.
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.
When will I receive the papers verifying my loan has been paid in full?
A paid in full Thank You letter is mailed the following business day after the loan payoff is posted to the account. Additional documentation will be mailed in accordance with state guidelines.
How long does it take to receive the remaining funds in my escrow account after my loan is paid in full?
A check will be issued within 20 business days from the date your loan is paid in full.
If I am closing on my house, or have requested a Payoff Statement, do I still need to make my payment this month?
Yes. It is important that you continue to submit your monthly payment as you normally would.
If your monthly payment is made using our Automated Payment Program, please contact us at least three (3) business days before your next payment due date to cancel your automated payments by calling our Customer Care Center or visiting your local PNC Branch. If the automated payment is deducted from your checking or savings account after your loan is paid in full, we will return it to you within two weeks.
How do I contact the Payoff Department?
You may speak with one of our Payoff Representatives by calling 877-729-6337.
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.
Is my loan eligible for a Principal Reduction Modification?
To find out if your loan is eligible, call us at 1-800-822-5626 and ask for our Special Loans Department. Please note, your loan must be at least 6 months old to be considered for a Modification.
How do I initiate a Principal Reduction Modification?
A letter of request must be submitted stating that you would like to have your monthly payment re-amortized. The letter and the fee should be mailed to:
PNC Mortgage
Attn: Special Loans/Modifications
P.O. Box 1820
Dayton OH 45401-1820
The lump sum principal payment is usually included, but can be made at any PNC Bank, if preferred. Once the principal balance has been reduced, a Loan Modification Agreement is prepared and sent to you for your signature. Once we receive the signed document, we update our database with your new payment amount.
Is there a fee involved in doing a Principal Reduction Modification?
The standard fee for a Principal Reduction Modification is $250, which is subject to change. The fee must be submitted up front, and is non-refundable.
To find out if your loan is eligible for a Principal Reduction Modification, call us via 800-822-5626 and ask for our Special Loans Department. Please note, your loan must be at least 6 months old before being considered for a Modification.
When does my lower payment go into effect after the Principal Reduction Modification has been completed?
There is a six to eight week processing time before the new payment becomes effective. However, you will have the benefit of paying less interest immediately, so any payments made after the principal has been reduced and before the new payment amount becomes effective are applied to the principal balance of your loan.
My spouse is obligated to make the mortgage payments under our Divorce Agreement. Am I still liable?
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.
If I deeded my interest in the property to my spouse or someone else, does this remove my liability?
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.
My loan servicing was recently transferred to PNC Mortgage from my previous servicer. How do I make my monthly payment?
For your convenience, PNC Mortgage offers a variety of methods for making your monthly mortgage payments. Or simply check out the Payment Methods Chart at the top of the page.
Important Legal Disclosures and Information
PNC Mortgage pay by phone transactions are free via our automated phone service or with agent assistance.
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.
©2023 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association.
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