Jumbo Loan Mortgage

For home financing options above $647,200.

If you’re looking to buy a home in a higher price range, you’ll need a special type of mortgage. With a Jumbo Loan, you can finance up to $5 million.

Ready to Apply?

Provide preliminary information to start loan process.


Let's Talk

Discuss your options with a mortgage loan officer.


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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 preliminary preapproval[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 to buy a home in a higher price range, you’ll most likely need a special type of mortgage. With a Jumbo Loan from PNC, you can finance up to $5 million.

  • Standard fixed or adjustable rate terms
  • Loan terms between 15 and 30 years
  • Finance between $647,200 and $5 million
  • Adjustable rate loans are available in periods of 5, 7, and 10 years during which the interest rate remains unchanged, followed by an adjustment period in which the interest rate may increase or decrease on an annual or semi-annual basis, dependent upon the product, resulting in a change in your monthly payment amount.
  • Can be used for primary or second home purchases.

Costs & Fees

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

For borrowers who establish and/or maintain a relationship with our PNC Private Bank℠ or PNC Private Bank Hawthorn℠ businesses that includes at least $500,000 in deposit and/or investment balances, relationship discounts may be available for mortgages.

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

Jumbo Loan FAQs

Top customer questions about jumbo loans.

How do I know if I need a Jumbo Loan?

If you need to borrow more than the Fannie Mae's and Freddie Mac's standard loan limit, $647,200 for a single family home in most places, you may need a Jumbo Loan. Limits may vary for multi-family homes.

Ready to Get Started? Let's Talk

Discuss your preferences, learn more about your loan options.

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-approved.

Find a Loan Officer

 

Important Legal Disclosures and Information

  1. Preliminary preapproval 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.

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® 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.

Equal Housing Lender ©2022 The PNC Financial Services Group, Inc. All rights reserved.

PNC Bank, National Association.

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