Refinancing at a longer repayment term may lower your mortgage payment, but may also increase the total interest paid over the life of the loan. Refinancing at a shorter repayment term may increase your mortgage payment, but may lower the total interest paid over the life of the loan. Contact us to discuss the option that best meets your needs.
Home Mortgage Loans
Financing your home
with PNC
Get $500 Off Closing Costs When You Purchase A Home
Not Ready to Apply?
Are you just beginning your home financing journey?
Best Mortgage Lender, 2024 by Nerdwallet
January 2024
PNC is proud to be recognized as the 2024 Best Mortgage Lender by NerdWallet in multiple categories:
- First-Time Home Buyers
- FHA Loans
- Jumbo Loans
- Cash-Out Refinancing
- Home Equity Lines of Credit
- First-Time Home Buyers
- FHA Loans
- Jumbo Loans
- Cash-Out Refinancing
- Home Equity Lines of Credit
Estimate Your Rate
Use Home Insight® Planner to access multiple tools to manage your mortgage journey.
An innovative self-serve digital tool that provides a one-stop-shop for all your upfront home buying needs:
- Customize and compare multiple home loan products - save the ones you like the best.
- Search active home listings – find your dream home.
- View and update your estimated credit score – providing more accurate information improves the overall experience.
- Access our home lending calculators and other educational resources – take the time to do your own research.
- Connect with a PNC Mortgage Loan Officer – get the professional hands-on support that you deserve.
- Start an online preliminary preapproval[2] without impacting your credit score.[3]
Mortgage Calculators
Comparing loan options? Just looking for how much you can borrow? Use our home lending calculators to understand your refinancing options and help you decide.
The PNC Mortgage Loan Process
PNC Bank provides ongoing support for homebuyers throughout the mortgage loan process.
Step 1. Get a Preliminary Pre-Approval
Step 2. Find Your New Home
Work with a licensed real estate agent to find the right home and get the seller to accept your offer.
Step 3. Complete the Home Loan Application
Once the home is under contract, you can submit financial documents to complete the mortgage application.
Step 4. Work with Your PNC Loan Officer
The loan officer will review the application, request additional documentation as needed, and draft the loan docs for your signature.
Step 5. Get the Funding to Close on Your New Home
With the loan docs signed, the funds are made available so you are “clear to close” on the new home.
Home Mortgage Loan Resources
We can help increase your purchasing power
For first-time buyers, military service members, medical professionals and modest-income households, we have down payment and closing cost assistance programs to help you make the most of your budget.
Mortgage Insights Articles
Refinancing? Staying with your current lender might be the smartest move
Your current loan servicer may offer better rates, faster approvals and fewer hurdles than starting with someone new.
3 min read
When Is The Best Time To Buy A Home?
It’s less about market conditions and more about your own financial condition.
7 min read
Renovate or Relocate: Which Home Choice Makes Financial Sense?
Understand the costs, trade-offs, and financing options that help homeowners decide whether to remodel or move.
4 min read
Other Home Lending Options from PNC
Have Questions?
We're Here to Help
For Mortgage Loans: A $500 closing cost credit will be applied at closing and will be reflected on the customer’s Closing Disclosure. Use of the Closing Cost Offer may limit or preclude utilization of other discounts or programs. Offer applies to mortgages ($832,750 maximum loan amount for 1-Unit homes in most of the U.S.). May only be used for purchase transactions including investment properties and second homes. Government-insured or Government-backed loan programs such as FHA, VA and USDA loans are excluded. Choice Home Equity Line of Credit applications and Home Equity Loan applications are not eligible. To be eligible for the offer, you must submit an application for a conforming purchase mortgage during the period beginning March 1, 2026 through May 31, 2026. Offer is not available in Georgia, Washington DC, Virginia and Tennessee.
Final loan approval and amount are subject to verification of loan data, property appraisal and underwriting conditions.
PNC will make one or more soft credit inquires during the digital online preliminary preapproval process, which will not affect your credit score. If you later submit an application, a hard credit inquiry will be made which may affect your credit score.
Rate may increase after settlement.
Important Notice to Servicemembers and Their Dependents. If you are currently eligible for benefits provided by Servicemembers Civil Relief Act (SCRA), refinancing current debt may not be beneficial.
©2017-2026 and TM, NerdWallet, Inc. All Rights Reserved.
NerdWallet and the NerdWallet logo are trademarks owned by NerdWallet, Inc. and used with permission.
PNC, PNC HomeHQ, PNC Home Insight and Home Insight are registered service marks of The PNC Financial Services Group, Inc. ("PNC"). PNC has a pending patent application directed at various features and functions of Home Insight® Planner. All loans are provided by PNC Bank, National Association, a subsidiary of PNC, and are subject to credit approval and property appraisal.
©2026 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.
