Skip to main content

Home Buying Made Easy

Getting a mortgage shouldn't be intimidating.

Find out how the process works, from getting prepared to closing.

Ready to Apply?

Provide information to start the application or loan process.

Let's Talk

Discuss your preferences with a loan officer.


Before you start shopping for a new home, it's important to figure out what you can afford.



Find out how much to save and get tips for reaching your goal.


Know What You Can Afford.

Make Sure You’re Ready

Buying your first home is a big financial step. You’ll want to consider the added financial responsibilities, including things like moving costs, home repairs, landscaping, property taxes and insurance. You should have a steady income, manageable debt and feel confident you will stay in one place for awhile.

Start by assessing your income. Then consider liabilities like student loans, credit card balances and auto loans. Ideally, the amount of your monthly debt payments, including your proposed mortgage payment, should be equal to or less than 36% of your gross monthly income. And remember to budget for a down payment (typically 5% to 20% of the purchase price) and closing costs (usually estimated at 3% to 5% of the purchase price).

The Application Process

PNC and your mortgage loan officer have the tools and insight to help guide you through the mortgage application process.

The Mortgage Application Process

1. Choose a Loan

Consult with a Mortgage Loan Officer to determine which loan best fits your budget. 

2. Confirm Your Interest Rate

Decide if you want to lock in your interest rate.

3. Get a Loan Estimate

We’ll send you a Loan Estimate outlining the terms. If everything is in order, you can let us know you are ready to proceed. 

4. Meet Your PNC Team

Your PNC Team will work with you to verify your income and assets, while also arranging your property appraisal.

5. Schedule a Closing

When everything is approved, your PNC Team will call you to schedule a closing.

Get Started Now »

Home Insight Planner


Home Insight Planner

The Perfect Home Starts with the Perfect Plan

Find the home that fits you and your budget. Determine a mortgage payment that you can afford, based on your actual budget and lifestyle. Then start shopping for homes with real­‐time rates and loan products.

The Home Insight® Planner can help you:

  • Generate home affordability scenarios based on your actual budget information.
  • Get a clear view of your spending habits and adjust your expenses so you can find a home payment that works for you.
  • Search for homes within your budget and save the ones you like as part of your customized home affordability summary.
  • See real-time mortgage rates and learn which mortgage products can make homeownership a reality

Get Started with Your Planner »

Ready to Get Started? Let's Talk

Discuss your preferences, learn more about your loan options.


Provide some preliminary information to begin the 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-approved.

Find a Loan Officer


Preapproval is not a commitment to lend, a condition of loan approval or an application for credit.

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.

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

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.