Combination Loan

Refinance up to 90% of your home's value with no PMI.

With the PNC Mortgage Combination Loan you can refinance your first mortgage for 80% of your home’s value, and receive a home equity line of credit for 9.9% of the value.

Ready to Apply?

Provide preliminary information to start the pre-approval or loan process.


Let's Talk

Discuss your options with a mortgage loan officer.


We're a Trusted Partner

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

Whether you want to review your refinancing options or need help after the close, we’re available online, on the phone or face-to-face in your neighborhood branch. 

Facts & Figures

Refinance your home up to 89.9% of your home’s value with a first and second mortgage.

With the PNC Mortgage Combination Loan you can refinance your first mortgage for 80% of your home’s value, and obtain a home equity line of credit for 9.9% of the value.

  • Potentially lower your monthly payment by eliminating private mortgage insurance (PMI)
  • Interest on both loans may be tax-deductible. Consult a tax advisor

Costs & Fees

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

Home Insight® Tracker

With Home Insight® Tracker, you always know the status of your PNC mortgage application.

  • Check the status of your application
  • Upload documents required to complete your application from your desktop, laptop, mobile device or tablet
  • Exchange secure messages with PNC through Tracker
  • Receive email updates when your application reaches key milestones
  • Get your home lending team contact information

Learn More »

Combination Loan FAQs

Top customer questions about combination loans.

Ready to Apply? Let's Talk

Discuss your preferences, learn more about your refinancing options, and see if you are preliminary pre-approved.

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 preliminary pre-approved.

Find a Loan Officer

Important Legal Disclosures and Information

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

For Adjustable Rate Mortgages loans ("ARMs"), rates may increase after settlement.

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. 

Pre-approvals are subject to property underwriting and appraisal. Borrower must satisfy pre-approval conditions outlined in commitment letter. Loan amount subject to property appraisal.

PNC, PNC HomeHQ, PNC Home Insight, and Home Insight are registered service marks of The PNC Financial Services Group, Inc. ("PNC"). PNC has pending patent applications directed at various features and functions of Home Insight Planner and Home Insight Tracker. 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

©2023 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association.

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