Choice Home Equity
Line of Credit

Take care of today, plan for tomorrow.

Use a Home Equity Line of Credit to renovate your home, refinance your mortgage, consolidate debt or prepare for unexpected expenses.[1]

Resume Application

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One Line of Credit, Two Rate Options

Variable and fixed rate options throughout the draw period.[2]

You also choose when you need funds, and pay interest only on what you borrow. 

Plus, you can lock - or unlock - the rate on qualifying balances at any time during your draw period[2]

Variable Rate & Payment

All new balances start at a competitive variable rate and payment.

  • Competitive low variable rate and payment that can result in affordable payments.
  • Great for home improvements, consolidating debt or other unexpected expenses.


Fixed Rate[2]

Choose the stability of a fixed rate & monthly payment.

  • Great for large home improvement projects, debt consolidation & major expenses.
  • Enjoy the flexibility to lock in a fixed rate on all or part of your variable-rate balance during the draw period.


Choice HELOC Process

Once you complete your application, you will be assigned a Loan Processor to guide you through closing until you've signed your final paperwork


Select a Rate & Payment to Apply

Have your choice of a variable or fixed rate withdrawal as part of a 15-minute application process.


Provide Documents

Once we've reviewed your application and your credit history, you can provide your income documents.


Loan Processing

PNC will verify your income and your home's value.


Closing and Funding

PNC will help you set up your closing appointment and sign your papers. 

Why Choose PNC's Choice HELOC

Fix your roof, consolidate your bills or pay for unexpected expenses. At rates that may be lower than other loan/credit options with the flexibility to switch between variable and fixed rate.


Low Rates, No Hidden Charges

You pay a fee every time you lock or unlock your interest rate[2]. No surprises.

Pay Interest on Only What You Use

If you have $50,000 credit limit and only use $10,000, you will only pay interest on the $10,000.

How much can I borrow?



Switch Between Fixed & Variable Rates

You can follow the market and wait for the lowest interest rate. After you draw your funds you can transfer to a fixed rate part to lock in the fixed rate. You can also go from a fixed rate back to a variable rate.[2]

Learn more about Fixed Rate Lock Feature »

Potential Home Renovation Tax Benefits

Home renovations made to a home for medical purposes (for example a wheelchair ramp) to install energy efficient equipment (for example, a solar panel) may qualify as a tax deductible expense. Consult your tax advisor.



Get a Rate Reduction[3]

Receive a 0.25% rate discount when you set up and maintain automated payments from a qualifying PNC checking account

Watch the Video to Learn About the PNC Home Equity Line of Credit

Choice Home Equity Lines of Credit secured by Texas property are not eligible for a VISA Choice Access Card and will be sent access checks upon request.

Calculate Your Home Equity Rate and Payment

Need a home equity loan but aren't sure how much you can borrow? Answer a few questions and we'll help you understand your home's equity.

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Home Equity Loan Tools & Calculators

Use our simple and fast calculators to find out how much you can borrow, to compare your loan options, or get a home renovation estimate.

How Much Can I Borrow?

Estimate the amount of equity that you have available in your home.

Calculate My Eligible Line Amount

What will my Renovation Cost?

Our "Home Improvement Calculator" can create a personalized cost estimate for your project plan. Once you know how much you need, explore borrowing options to find your best financing choice.

Calculate My Home Improvement Estimate

Not Sure Where to Start?

Visit our lending hub for resources, articles and links to help you make the best decision for your borrowing needs.

Visit All Loan Options

Take the Next Steps


Talk with a Home Lending Center representative about your options.

Call 1-877-508-3339

Get started on an application today.


Get in touch.

Contact Us

Home Equity Line of Credit Frequently Asked Questions 

Important Legal Disclosures and Information

  1. Credit is subject to approval. Certain restrictions and conditions apply.

  2. This account includes the option to establish one or more fixed rate parts during the draw period for terms of 5-30 years (except in the state of Tennessee where terms range from 5-20 years). A $100 transfer fee applies each time a fixed rate part is established or unlocked. See account terms or ask us for details.

  3. To receive a 0.25% interest rate discount to the Variable APR applicable after the Introductory Period ends, you must set up Automatic Payments from a qualifying PNC checking account at closing. The automatic payment discount will be discontinued if you cancel automatic payments. The automatic payment discount does not apply the Introductory APR.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

Carrier fees for data usage may apply.

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.

Texas Collateral Information for CHELOC:

Texas Choice Home Equity Lines of Credit can only be secured by a primary residence designated as homestead property and can not exceed 80% combined loan to value of that property.

Fees not applicable for accounts secured by Texas property include: Annual Fee and the reimbursement of any closing costs paid on borrower behalf by PNC Bank if customer closes the line of credit within 36 months of account opening.

Minimum draw in Texas is $4,000.

Choice Home Equity Lines of Credit secured by Texas property are not eligible for a VISA Choice Access Card and will be sent access checks upon request.

PNC cannot use a customer’s home equity funds to pay (in part or in full) PNC non-homestead debt at account opening.

Equal Housing Lender

The PNC Financial Services Group, Inc. All rights reserved. 

PNC Bank, National Association. Member FDIC 

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.