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.
Home Mortgage Loans
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Best Mortgage Lender, 2024 by Nerdwallet
January 2024
PNC is proud to be recognized as the 2024 Best Mortgage Lender by NerdWallet in multiple categories:
- First-Time Home Buyers
- FHA Loans
- Jumbo Loans
- Cash-Out Refinancing
- Home Equity Lines of Credit
- First-Time Home Buyers
- FHA Loans
- Jumbo Loans
- Cash-Out Refinancing
- Home Equity Lines of Credit
Access Multiple Tools to Manage Your Home Lending Journey
Your home, your goals, your plan
Discover the possibilities and build the right plan for you with Home Insight® Planner
- Explore at your own pace – no need to sign in or share contact information until you're ready
- Compare interest rates, payment estimates, and product options with Scenario Builder
- Check what you can afford – run the numbers with our home lending calculators
- Find your dream home – browse active listings and save your favorites
- Start the online preliminary preapproval,[1] without impacting your credit score.[2]
Mortgage Calculators
Comparing loan options? Just looking for how much you can borrow? Use our home lending calculators to understand your refinancing options and help you decide.
The PNC Mortgage Loan Process
PNC Bank provides ongoing support for homebuyers throughout the mortgage loan process.
Step 1. Get a Preliminary Pre-Approval
Step 2. Find Your New Home
Work with a licensed real estate agent to find the right home and get the seller to accept your offer.
Step 3. Complete the Home Loan Application
Once the home is under contract, you can submit financial documents to complete the mortgage application.
Step 4. Work with Your PNC Loan Officer
The loan officer will review the application, request additional documentation as needed, and draft the loan docs for your signature.
Step 5. Get the Funding to Close on Your New Home
With the loan docs signed, the funds are made available so you are “clear to close” on the new home.
Home Mortgage Loan Resources
We can help increase your purchasing power
For first-time buyers, military service members, medical professionals and modest-income households, we have down payment and closing cost assistance programs to help you make the most of your budget.
Mortgage Insights Articles
Renting vs. Buying? Which Do You Choose?
Regardless of the interest rate environment, the math is not always clearcut. PNC Bank’s professionals offer guidance.
7 min read
How Do Falling Interest Rates Affect My Mortgage?
When interest rates begin to drop, it signals an opportunity for homebuyers and homeowners alike. When that happens, what’s your smart move?
5 min read
Why Did My Mortgage Payment Go Up?
Discover why your mortgage payment may have increased. Understand how escrow, taxes, and rates impact your monthly payment and what steps you can take.
7 min read
Other Home Lending Options from PNC
Have Questions?
We're Here to Help
Final loan approval and amount are subject to verification of loan data, property appraisal and underwriting conditions.
PNC will make one or more soft credit inquires during the digital online preliminary preapproval process, which will not affect your credit score. If you later submit an application, a hard credit inquiry will be made which may affect your credit score.
Rate may increase after settlement.
Important Notice to Servicemembers and Their Dependents. If you are currently eligible for benefits provided by Servicemembers Civil Relief Act (SCRA), refinancing current debt may not be beneficial.
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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® Planner. 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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