You’ve worked with a PNC Loan Officer to submit your home loan application and supporting documentation.
What you need to do: If you haven’t already, contact your Mortgage Loan Officer to confirm that you want to proceed with your application. Please sign and return the forms enclosed in your welcome package and any additional documentation requested.
What you need to do: If you receive a request for additional information, it’s important to respond as quickly as you can or your closing date may be impacted.
What you need to do, as applicable: Insurance needs to be in place prior to final loan approval. Now’s the time to decide on homeowner’s, flood and other coverage. Please see below for more on types of insurance and insurance FAQs.
What you need to do: In some cases, we may ask for additional documentation prior to final approval. If requested, it’s important to act as quickly as possible.
What you need to do: Let your Mortgage Loan Officer know immediately if any changes need to be made to your Closing Disclosure. This could delay closing.
Home Insight Tracker keeps you informed during each step of the mortgage application process. Upload documents to complete your application and exchange secure messages with your home lending team.
Register for Tracker
Learn more about recent home lending regulatory changes, how these changes impact you and the home buying process. Visit the Consumer Financial Protection Bureau consumerfinance.gov and the Mortgage Bankers Association.
Provide preliminary information to begin the pre-approval or loan process.
PNC Mortgage Loan Officers are available at branches nationwide ready to help guide you through the mortgage process. Discuss your preferences to learn more about your loan options and see if you are pre-qualified.
If you prefer to begin the application process over the phone, or just have questions, Mortgage Loan Officers are available:
Mon – Thurs: 8am – 10pm ET
Fri: 8am – 6pm ET
Sat – Sun: 8am – 5pm ET
Our Home Lending Education Center can help give you a complete picture of your home loan.
To apply for a home loan, you’ll need to provide information about your income, assets and debts, plus any circumstances that may impact your ability to repay.
Be prepared to provide some or all of the items below:
The closing is the final step in the home buying process. Make sure you’re prepared to pay closing costs, which can be up to 3% - 5% of the purchase price.
Within 3 business days of your complete application, the lender will provide a Loan Estimate that details the fees, charges and other costs you can expect to pay beyond the sale price of your home. Closing costs typically include:
Most settlement services must be purchased by the lender, but you can shop around for others to get the lowest possible price. And in some cases, you may be able to ask the seller to cover some or all of the closing costs.
But if you can’t, be prepared to pay up to 3%- 5% to cover your bases.
When your refinancing is finalized, you won’t pay all the closing costs of your original mortgage, but be prepared to pay origination charges, up-front costs and discount points if applicable.
At the time of your application, the lender will provide a Loan Estimate that details the fees you may pay. Closing costs for a refinance may include:
Most settlement services must be purchased by the lender, but you can shop around for others to get the lowest possible price. And in some cases, lenders may cover some or all of the closing costs. But if they don’t, be prepared with about 3 percent of your loan amount.
Ask a PNC Mortgage Loan Officer about our no closing cost option.
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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