Jumbo Mortgage Refinance Loan

Refinancing options for higher loan amounts.

If you’re looking to refinance a loan over $647,200, you’ll most likely need a special type of mortgage. With a jumbo loan from PNC, you can finance up to $5 million.

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.

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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 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

If you’re looking to refinance a loan over $647,200 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
  • Limited Cash-out/Rate-Term Refinance
  • Fixed loan terms between 15 and 30 years
  • Finance between $647,200 and $5 million
  • One-year adjustable rate terms with periods of 5, 7, and 10 year periods where the rate remains unchanged, after which the rate may increase or decrease each year based on then current market conditions
  • Can be used for primary or second home refinances

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.

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 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 Apply? Let's Talk

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


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


    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 restricted by state law.



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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