Home Equity Explained

Need cash for remodeling, school tuition, or to make a large purchase?

Learn about how you can leverage the equity in your home to achieve these goals.

Know Your Options

Looking to leverage your home's equity? Compare all the borrowing options we offer!


Let's Talk

We can provide more information or help you start an application.


What is Home Equity?

Learn your options for getting cash out of your home, weigh the pros and cons, and explore what you can do with your Home Equity.

Video: How Do Home Equity Loans Work?

See how Home Equity Loans & Lines of Credit work

Home Equity Explained

Learn about how you can leverage the equity in your home.

Need to consolidate your debt? Your home's equity can be used to help you do just that, to help you consolidate and possibly reduce interest payments on your credit cards, auto loans and other debts!

Looking for a way to achieve another goal? Learn about how you can leverage the equity in your home to remodel your home, to pay for school tuition, or even to make a large purchase!

The Home Equity Process with PNC

Find out what to expect when you apply.

Submit Your Credit Application & Provide Required Documentation

Submit Your Credit Application

Apply for a home equity line of credit or home equity installment loan application online, by calling 877-535-6319, or by visiting a PNC branch.

The minimum amount of information you should be prepared to answer at the time of application includes:

  • Personal Information (Full name, Social Security number, Date of Birth, employment status, income)
  • Contact Information (phone, email)
  • Property Information (address, property type, estimated property value)
  • Requested Loan Amount

Upon submission of your application, PNC will obtain and review your credit history. Approval for credit is contingent upon your credit history and other factors.

Provide Required Documentation

Additional information and other required documentation may be needed to process your credit application. Depending on your individual financial situation, you may be required to provide some or all of the following:

  • Tax statements
  • Copies of pay stubs
  • Financial statements (bank and asset)
  • Information on additional properties you may own

See our PNC Home Equity Application Checklist below for a list of documentation you may need, depending on your individual situation.

Ready to Apply? Let's Talk

Discuss your preferences, learn more about your options, or apply online in as little as 15 minutes!.

Compare Home Equity Products

Learn how you can leverage your home's equity with PNC's Home Equity Loans and Lines of Credit.

Compare Solutions

Apply Now

We are available at branches nationwide to discuss your preferences, learn about your loan options, and see if you're pre-qualified.

Apply for a Home Equity Loan

Apply for a Home Equity Line of Credit

Important Legal Disclosures & Information

PNC and PNC HomeHQ are registered service marks of The PNC Financial Services Group, Inc. ("PNC"). PNC is a registered service mark of The PNC Financial Services Group, Inc. (“PNC”). All loans are provided by PNC Bank, National Association, a subsidiary of PNC, and are subject to credit approval and property appraisal.

PNC Bank, National Association. Member FDIC.