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Save with a Mortgage Refinance from PNC

Learn how to navigate the process with confidence.

Start the process today by starting online with any device. Not sure if you're ready to start? Request contact from a Mortgage Loan Officer.

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Refinancing Benefits

By refinancing your mortgage today, you may be able to:

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Lower Your Interest Rate

Refinancing into a lower rate may lower your monthly payment and save you money over the life of your loan. 

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Consolidate Debt

When you refinance you can tap into the equity in your home to pay down debt or access the cash you need for unexpected expenses.

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Change Terms

Change the length of your loan to pay it off faster or change from a variable rate to a fixed rate.

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Take Advantage of Specialized Loans 

PNC offers a variety of loan programs to suite multiple needs such as VA, FHA, Jumbo and more.


Types of Refinancing

Explore the different product features.

PNC offers a variety of refinance loans that address a variety of needs. When you apply, a Mortgage Loan Officer will help you determine the loan that's best for you. Continue reading to understand the differences between loans and when you would choose one over another.

Fixed Rate


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.

  • Rate and payment remain the same for the life of the loan
  • Loan terms between 10 and 30 years
  • Single family loan amounts up to $726,200[1]
  • Available for primary and secondary homes, as well as investment properties

Application Checklist

Use this list to gather the documents you’ll need to refinance.

 Income Verification

  • Pay stubs for the last 30 days
  • W-2 forms for the last two years
  • Child support/alimony – Child support agreement and/or divorce decree and/or 12 months cancelled checks
  • Award letter/1099 for social security, pension and disability

If You Are Self-Employed:

  • Signed, completed tax returns for the past two years, including personal, partnership, and corporate, if applicable, including all schedules.
  • Year-to-date business profit-and-loss statement for current year, if more than three months have passed since the end of the tax year
  • Current balance sheet

 Property Information

  • Most recent property tax bill
  • Current homeowner’s insurance policy, and flood any other property related insurance, such as flood insurance, if applicable


  • Original bank statements for the last three months, including savings, checking, investment accounts, and retirement accounts
  • Stocks and securities account statements for the last three months

 Payment History

  • Child support/alimony
  • Bankruptcy/Consumer Credit, if applicable

 Additional Information, If Applicable

  • Explanation of discrepancies on credit report

Download the application checklist >>



Frequently Asked Questions

Take the Next Steps

Start the Refinance Process Today


With our online application you can:

  • Choose whether to lower your monthly payment or pay off your loan faster.
  • Get connected with a Mortgage Loan Officer who will help you through the process and answer any questions.. 


Get Started


We're Here to Help

Help us understand your needs, fill
out a contact form and we'll get in touch.

Request Contact

Talk with a Home Lending Center
representative about your options.

Call 1-877-508-3339

  1. Loan amounts may vary based on product and property location $726,200 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.

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.

Carrier fees for data usage may apply.

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

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