FHA Loan

Refinance with a government-backed loan with more flexible requirements.

Government loan program with more flexible qualification criteria than conventional loans.

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.


PNCCheck Current Rates 

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

If you are credit challenged but want to refinance, an FHA loan from PNC Mortgage may be an option for you.

These government-backed loans allow qualified buyers refinance a home with more flexible credit requirements.

  • Standard fixed or adjustable rate loans are available
  • Can qualify to refinance an existing mortgage up to 97.75% loan-to-value, or if you’re eligible for an FHA Streamline Refinance, there is no loan-to-value maximum and an appraisal may not be necessary.

Costs & Fees

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

FHA Loan FAQs

Top customer questions about FHA loans.

Ready to Apply? Let's Talk

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

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 pre-qualified.

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.

PNC Bank, National Association. Member FDIC.

PNC, PNC HomeHQ, PNC Home Insight®, Home Insight® and PNC AgentView® 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 Tracker, Home Insight Planner, and PNC AgentView. 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.