Refinance with a Fixed Rate Mortgage

Refinance for consistent payments for the life of your loan.

If you’re looking for a refinancing option that will make it easier to budget and build equity, explore a Fixed Rate Loan.

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.


PNCCheck Current Rates 

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. Here’s what you can expect:

  • Online Application Support — Home Insight® Tracker lets you track and update your application, through every step of the approval process. 
  • Service After the Close – We’re with you every step of the way. Generally, we service our customers’ home mortgage loans rather than sell our relationship with you.

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.

  • A fixed rate and payment for the life of the loan
  • Loan terms between 10 and 30 years
  • Single family loan amounts up to $548,250[2]
  • Available for both primary and second home, investment properties as well.

Costs & Fees

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

Fixed Rate FAQs

Top customer questions about fixed rate mortgages.

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.

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

Refinancing with PNC

Refinancing Demystified

Learn more about refinancing and how to find out if the process could be worth it for you.

Ready to get started? Just have questions?

Important Legal Disclosures and Information

  1. PNC Mortgage pay by phone transactions are free via our automated phone service or $7 with agent assistance, unless payments are made from PNC Bank accounts or as otherwise restriced by state law.

  2. Loan amounts may vary based on product and property location. $548,250 is the current conventional loan limit.

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.

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