Digital pre-approval requires the assistance of a Mortgage Loan Officer. After the first part of the application process is complete, a PNC Mortgage Loan Officer will reach out to finish the remainder of the preapproval.
Fixed Rate Mortgage Loans & Rates
Consistent principal and interest payments
for the life of your loan.
Facts & Figures
If you’re looking for a loan where the monthly principal and interest payment will not change and will be easy to budget, explore a Fixed Rate Loan.
- Loan terms between 10 and 30 years.
- Down payments as low as 3% of purchase price.
- Single family loan amounts up to $832,750.[1]
- Available for both primary and second homes, as well as investment properties.
PNC Grants up to $5,000
You may qualify for a home loan grant up to $5,000 that can be applied towards the down payment, closing costs and/or prepaid items at the time of closing.
Costs & Fees
Typically these fees range from 2% to 6% of the loan amount.
Access Multiple Tools to Manage Your Home Lending Journey
Your home, your goals, your plan
Discover the possibilities and build the right plan for you with Home Insight® Planner
- Explore at your own pace – no need to sign in or share contact information until you're ready
- Compare interest rates, payment estimates, and product options with Scenario Builder
- Check what you can afford – run the numbers with our home lending calculators
- Find your dream home – browse active listings and save your favorites
- Start the online preliminary preapproval,[2] without impacting your credit score.[3]
Tools & Calculators
Comparing loan options? Just looking for how much you can borrow?
Use our home lending calculators to understand your options and help you decide.
We Are a Trusted Partner
Whether you need a mortgage pre-approval[4] or help after the closing, we’re available online, on the phone or face-to-face in your neighborhood branch. Here’s what you can expect from us:
- Pre-approval Services – So you can house hunt with confidence knowing how much you can afford.
- Online Application Support - Our digital mortgage application lets you track and update your application, through every step of the approval process.
- Service After the Closing – We’re with you every step of the way. We service most of our customers’ home mortgage loans.
Fixed Rate FAQs
Top customer questions about fixed rate mortgages.
Mortgage Process Guide
Understand the basics before you start the mortgage process.
Need more information? From first mortgage to home equity, from setting up your online account to payment processing – explore the Understanding Home Lending Center to find the answers you need.
Get Started
Discuss your preferences, learn more about your loan options.
Related Resources
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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.
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It’s less about market conditions and more about your own financial condition.
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Loan amounts may vary based on product and property location $832,750 is the current conventional loan limit.
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.
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.
Child support or alimony income can be used if you received it for the past 12 months and it will continue for at least three years into the loan period. However, alimony, child support, or separate maintenance income need not be included if it is not to be considered as income available to repay the loan.
PNC Mortgage pay by phone transactions are free via our automated phone service or with agent assistance.
Rate may increase after settlement.
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
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