Fixed Rate Mortgage Loans and Rates

Consistent payments for the life of your loan.

If you’re looking for a home loan where the monthly payment will not change, providing the ability to plan a budget, explore a Fixed Rate Loan.

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We're a Trusted Partner

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

Whether you need to start the home buying process, looking for a Pre-Qualification[1] or need help after the closing, we’re available online, on the phone or face-to-face in your neighborhood branch. We’re with you every step of the way. We service most of our customers’ home mortgage loans.

Facts & Figures

If you’re looking for a loan where the monthly 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 $726,200[4]
  • Available for both primary and secondary homes. Investment properties too.

PNC $5,000 Grant

You may qualify for up to $5,000 toward closing costs making buying a home of your own more affordable.

  • Standard fixed or adjustable rate terms
  • Loan terms between of 30 years**

If you qualify for this credit by meeting income requirements[3] or residing in a qualified community[3], you can use it to:

  • Reduce or eliminate your mortgage closing costs
  • Cover other prepaid costs (establishing an escrow account to cover property taxes, insurance renewals, etc.)
  • Apply toward a down payment**

Costs & Fees

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

Home Insight® Planner

Set your budget. Search for homes. See real time rates.

  • Create a household profile to generate home affordability scenarios
  • View finances and adjust categorized expenses to find payment budget
  • Connect budgets, rates, products, and homes to understand what you can afford
  • Search for homes within your budget
  • Save homes you want as part of your home summary

Try Out PlannerLearn More

What is the difference between a Fixed Rate Mortgage and an Adjustable Rate Mortgage?

Fixed rate mortgages have a locked interest rate that will remain the same for the life of the loan. The interest rate on an Adjustable Rate Mortgage will change on an annual basis after the predetermined initial interest rate period expires.

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Important Legal Disclosures and Information

  1. Pre-Qualification is not a commitment to lend, a condition of loan approval or an application for credit.

  2. PNC Mortgage pay by phone transactions are free via our automated phone service or with agent assistance.

  3. The Property must be located in an eligible market. A PNC Mortgage Loan Officer can help determine your eligibility for this offer. To qualify, borrower’s household income must be at or below 80% of the median household income for the metropolitan statistical area (MSA) or the financed property must be located in a low- or moderate-income census tract as designated by the FFIEC. The PNC Closing Cost Assistance Grant may not exceed actual closing costs and prepaids. The PNC Closing Cost Assistance Grant may be applied to primary residence purchase or limited cash out refinance transactions (purpose of refinance must be rate and term only). Additional restrictions and qualifications may apply.  PNC Grant amount is subject to change.

  4. Loan amounts may vary based on product and property location. $726,200 is the current conventional loan limit.

**Additional requirements may apply.

For Adjustable Rate Mortgages loans ("ARMs"), rates 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® 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.

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