Michael Vrlaku

Mortgage Loan Officer, NMLS ID #179115

I'm here to help you on your home lending journey.

340 Madison Avenue
New York, NY 10173-1903

Phone: (917) 267-9353

Mobile: (732) 977-9970

Fax: (833) 928-1945

Email: michael.vrlaku@pnc.com

About Me:

My professional background and achievements:

  • I have 15 years of experience and specialize in Jumbo and Medical Professional Mortgages.

Searching for a home?

A pre-approval will let you know how much of a home you can afford. You'll go through the pre-approval process providing details about assets, income, current living situation and how much you plan to put down on a new home.

Start a Pre-Approval


Have a purchase contract for a new home?

You'll want to begin the digital application when you've found a home you want to purchase and know details such as your down payment, your offer and more.

Start a Digital Application


Already pre-approved by PNC? Reach out to me to get started.


Experience an easier way to refinance

Start here if...

  • Refinancing your primary residence. 
  • Refinancing a single family home, condo or townhouse.

Start Refinance Application

Start here if...

  • Refinancing 2nd homes or investment properties. 
  • Refinancing a government loan (FHA/VA).
  • You want to have a conversation before proceeding with a full application.

Start Refinance Inquiry

Home Insight® Tools

Tools to Help You Navigate the Homebuying Process

Home Insight® Planner – 

Determine a mortgage payment you can afford, based on your unique budget and lifestyle, then search homes in your price range – all in one place.

Home Insight® Tracker – 

Upload documents, check the status of your application, and exchange secure messages with your home lending team.

PNCCheck Current Rates 

Important Legal Disclosures and Information

All borrowers must satisfy all conditions outlined in a commitment letter issued in connection with an application for mortgage credit. Final loan approval and amount are subject to verification of loan data, property appraisal and underwriting conditions. Program terms are subject to change.

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.

Borrower must satisfy pre-approval conditions outlined in commitment letter. Final loan approval and amount are subject to verification of loan data, property appraisal and underwriting conditions. 

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® Tracker and 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.

©2021 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association.

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