Combination Loan

Refinance up to 90% of your home's value with no PMI.

With the PNC Mortgage Combination Loan you can refinance your first mortgage for 80% of your home’s value, and receive a home equity line of credit for 9.9% of the value.

Ready to Apply?

Provide preliminary information to start the pre-approval or loan process.


Let's Talk

Discuss your options with a mortgage loan officer.


We're a Trusted Partner

You can feel confident choosing us as your financial partner for this important milestone in your life.

Whether you want to review your refinancing options or need help after the close, we’re available online, on the phone or face-to-face in your neighborhood branch. Here’s what you can expect:

  • Online Application Support — Home Insight® Tracker lets you track and update your application, through every step of the approval process. 
  • Service After the Close – We’re with you every step of the way. Generally, we service our customers’ home mortgage loans rather than sell our relationship with you.

Facts & Figures

Refinance your home up to 89.9% of your home’s value with a first and second mortgage.

With the PNC Mortgage Combination Loan you can refinance your first mortgage for 80% of your home’s value, and receive a PNC Bank home equity line of credit for 9.9% of the value.

  • Potentially lower your monthly payment by eliminating private mortgage insurance (PMI)
  • Interest on both loans may be tax-deductible. Consult a tax advisor

Costs & Fees

Typically these fees range from 3% - 5% of the loan amount.

Home Insight® Tracker

With Home Insight® Tracker, you always know the status of your PNC mortgage application.

  • Check the status of your application
  • Upload documents required to complete your application from your desktop, laptop, mobile device or tablet
  • Exchange secure messages with PNC through Tracker
  • Receive email updates when your application reaches key milestones
  • Get your home lending team contact information

Learn More »

Combination Loan FAQs

Top customer questions about combination loans.

Ready to Apply? Let's Talk

Discuss your preferences, learn more about your refinancing options, and see if you are preliminary pre-approved.

Online:

Provide some preliminary information to begin the loan process today!

Get Started Online

With a Loan Officer:

We are available at branches nationwide to discuss your preferences, learn about your loan options, and see if you're preliminary pre-approved.

Find a Loan Officer

Refinancing with PNC

Refinancing Demystified

Learn more about refinancing and how to find out if the process could be worth it for you.

Ready to get started? Just have questions?

Important Legal Disclosures and Information

  1. All SpeedPay transactions will require a $7 transaction fee, unless payments are made from PNC Bank accounts or are otherwise restricted by state law.

©2020 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member FDIC

PNC, PNC HomeHQ, PNC Home Insight, and Home Insight are registered service marks of The PNC Financial Services Group, Inc. ("PNC"). PNC has pending patent applications directed at various features and functions of Home Insight Planner and Home Insight Tracker. All loans are provided by PNC Bank, National Association, a subsidiary of PNC, and are subject to credit approval and property appraisal.

Pre-approvals are subject to property underwriting and appraisal. Borrower must satisfy pre-approval conditions outlined in commitment letter. Loan amount subject to property appraisal.

For Adjustable Rate Mortgages loans ("ARMs"), rates may increase after settlement.

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.