VA Loan

Home loan options for Active Military, Veteran, Reservist or National Guard.

If you’re Active Military, a Veteran, Reservist or National Guard member, you may be eligible for a VA Home loan from PNC.

Ready to Apply?

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


Let's Talk

Discuss your preferences with a 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 need a mortgage pre-approval[1] or help after the closing, we’re available online, on the phone or face-to-face in your neighborhood branch. Here’s what you can expect from us:

  • Pre-approval Services – So you can house hunt with confidence knowing how much you can afford.
  • Online Application Support — Home Insight® Tracker lets you track and update your application, through every step of the approval process. 
  • Service After the Closing – We’re with you every step of the way. We service most of our customers’ home mortgage loans.

Facts & Figures

If you’re Active Military, a Veteran, Reservist or National Guard member, you may be eligible for a VA Home loan from PNC.

  • Fixed and adjustable rate terms are available
  • Little to no down payment is required down payment is required
  • Fixed loan terms range between 15 and 30 years
  • Guaranteed by the Department of Veterans Affairs
  • No private mortgage insurance required (VA Funding Fee is required)

Costs & Fees

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

Home Insight® Planner

Set your budget. Search for homes. See real time rates.

Planner will generate home affordability scenarios and determine a mortgage payment that you can actually afford-- based on your unique budget and lifestyle. You can also shop for homes with real-­‐time rates and loan products.

  • Create a household profile to generate home affordability scenarios
  • View finances and adjust categorized expenses to find payment budget
  • Connect budgets, rates, products, and homes to understand what you can afford
  • Search for homes within your budget
  • Save homes you want as part of your home summary

Try Out PlannerLearn More

VA Loan FAQs

Top customer questions about VA loans.

I served in the military, how do I know if I am eligible for this loan?

The length of your service or service commitment and/or duty status may determine your eligibility. Speak to a PNC mortgage professional to verify your eligibility.

Ready to Apply? Let's Talk

Discuss your preferences, learn more about your loan options, and see if you are pre-qualified.

Online:

Provide some preliminary information to begin the pre-approval or 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 pre-qualified.

Find a Loan Officer

Applying with PNC

Mortgage Made Easy

Getting a mortgage doesn't have to be intimidating. Find out how the process works, from getting prepared to closing.

Have questions? Want to learn more?

Important Legal Disclosures and Information

  1. 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.

  2. All SpeedPay transactions will require a $7 transaction fee, unless payments are made from PNC Bank accounts or are otherwise restricted by state law.

PNC, PNC HomeHQ, PNC Home Insight®, Home Insight® and PNC AgentView® 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 Tracker, Home Insight Planner, and PNC AgentView. All loans are provided by PNC Bank, National Association, a subsidiary of PNC, and are subject to credit approval and property appraisal.

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

PNC Bank, National Association. Member FDIC.