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.

Payment Methods Main Details How To Use
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.
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.
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.
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).[1]  If paying from a non-PNC deposit account, have your account number and routing number available.
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.
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: 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
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 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

Yes, we offer an array of options for making your mortgage payment online.

It's easy to make a mortgage payment using PNC Online Banking and there is no fee. Pay your mortgage from a PNC or non PNC Checking or Savings account by clicking Make a Payment from your account activity page. Make a one time payment for today or pay later with a future dated or recurring monthly payment.

You can automate your monthly mortgage payments and avoid writing checks and paying for postage each month. To authorize an automated payment, complete the online form and follow the mailing or fax instructions. Once you get set up, your mortgage payment is automatically paid each month on the same day.

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.

 

It is a good idea to allow 7 to 10 days for receipt of payment, particularly during holidays when mail volumes are heavy.

 

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.

 

No. Your monthly payment must be drafted from a checking or savings account, or mailed to us.

 

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.

 

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

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.

 

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 that 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.

PNC Online Banking

It's free, secure and easy to use.

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.

  • Log in to Online Banking
  • 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 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.

  • Log in to Online Banking
  • 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.

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.

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.

 

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.

 

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.

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

 

Call PNC Mortgage at 1-800-822-5626 to make a payment.

Mail Your Payment

Make free payments 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

It is free to pay by mail.

In-Branch Payment 

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

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

 

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.

The PNC Mortgage Bi-Weekly Automated Payment Program helps you pay off your mortgage loan faster and reduce interest payments. You will have half 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 half 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.

There is no cost to you for your enrollment in the PNC Bi-Weekly Automated Payment Program.

 

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.

Payoff Information 

Important need to knows about paying off your home mortgage.

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.

 

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.

 

A check will be issued within 20 business days from the date your loan is paid in full.

 

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.

You may speak with one of our Payoff Representatives by calling 877-729-6337.

Principal Reduction Options 

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

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.

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.

 

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.

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.

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.

Transferred Loans

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.

PNC offers the following payment options to make your monthly mortgage payment:

Electronic Funds Transfer (EFT) / Auto Draft: This free recurring service can be established to withdraw your monthly mortgage payment from your designated checking or savings account on the same day each month. To pay your mortgage loan off faster, you can elect to make additional principal payments with each monthly payment. You may also select the day you would like your mortgage payment to draft, e.g. you may choose from the 1st to the 15th of the month. To enroll, complete the EFT Enrollment form located in our Important Forms & Documents page, or call with questions.

We also have a Bi-Weekly Draft Program that helps you pay off your loan faster and reduce interest payments. You’ll make ½ of a monthly payment every 2 weeks, for a total of 13 monthly payments per year – instead of 12.

Plus, this “extra” payment will automatically be applied to your principal balance, reducing the total interest you will pay on your mortgage. The funds from your first ½ payment each month will be held in a non-interest bearing account, and will be applied once a full monthly payment is received.

To learn more about our bi-weekly draft program, visit our Important Forms & Documents section for more details and an enrollment form.

Pay by Phone: A phone payment may be completed over the phone by calling 800-822-5626. 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.”

Online Banking:  Once you receive your Online Banking credentials (usually within 7 business days of your loan transfer), you will be able to complete your online registration at www.PNC.com/OLB. You will then have 24/7 access to your account online, and be able to set up one-time or recurring payments, at no charge. 

If you have any questions, you can Contact our Customer Service or Collections Departments at 1-800-822-5626, Monday through Thursday between 8:00 A.M and 9:00 P.M. ET. Friday between 8:00 A.M. and 5:00 P.M. ET., and Saturday, between 9:00 A.M. to 2:00 P.M. ET.

Western Union Quick Collect: PNC mortgage payments may be paid at any Western Union location. To find the location nearest to you and get further details call 1-800-525-6000 for Western Union. Complete the Western Union Quick Collect form using CODE CITY (PNCMORTGAGE OH). There is a fee associated with this Western Union service.

PNC Bank Branch Payments: PNC mortgage payments may be paid at any PNC branch location. To locate the branch nearest you, click here.

Mailed Payments: Use the form from 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 606077

If you are currently using an online or bill paying service, please update the Payee Information using one of the following addresses and update the account number to your new PNC Mortgage loan number.

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 606077       

No, your automated payments are not transferrable and you will receive a monthly billing statement in the mail. If you would like to set up automated payments with PNC, download the Automated Payment Authorization Form (Mortgage and Home Equity) then complete, sign and return this form by mail, fax, or to a branch using the instructions provided on the form.

Yes. Once your loan transfer is complete and you have registered and created an account you can view and manage your loan information online. Please contact our Customer Service Department at 1-800-822-5626, Monday through Thursday between 8:00 A.M. and 9:00 P.M. ET, and Friday between 8:00 A.M. and 5:00 P.M. ET if you encounter any difficulties

Yes. If your loan is currently escrowed for taxes and/or insurance premiums, PNC will continue collecting the funds and making those payments. If you have additional questions, contact one of the following numbers:

For questions relating to your Homeowners Insurance, contact:

PNC Mortgage Homeowners Insurance Processing Center 1-888-229-5429

For questions relating to an Insurance loss claim, contact:

Loss Claims Customer Service 1-855-657-5807

For questions relating to other insurance, such as Mortgage Insurance (PMI or MIP), contact:

PNC Mortgage Customer Service 1-800-822-5626

If you have general mortgage questions, contact:

PNC Mortgage Customer Service 1-800-822-5626

Additional Questions

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

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.

 

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.

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