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 pre-approval 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.


Getting pre-approved shows sellers you're a qualified buyer and puts you in a stonger postition to negotiate.


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 2% to 3% of the purchase price).

The Pre-Approval Process

Learn how this simple step could help you get the home you want.

Digital Pre-Approval

A pre-approval is a written commitment from a lender that you qualify for up to a specific loan amount based on your income and credit information. 

The lender will also analyze your credit report (for you and any co-applicant) to determine if you qualify and what rate you may be offered. Having an average or better credit score will work in your favor. Learn more about some financial basics before you buy.

PNC's Digital Pre-Approval


Find out how much you're qualified to borrow

  • Shop for a home with confidence, knowing that you have a firm lending commitment.
  • Show sellers and agents that you're a serious buyer.
  • Streamline your home search by looking at homes in your price range.
  • Budget around your estimated monthly payments.
  • In some cases, we can verify your income, assets and employment without the need for you to provide documentation, saving you time and effort.
  • If we're unable to electronically verify your income, assets and employment, we may still be able to provide you with a preliminary pre-approval, which will give you a good idea of what you may be qualified to borrow. Subsequently, we can often provide a pre-approval after receiving necessary paperwork.

    Learn More

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 & Tracker


Home Insight Planner


A complete understanding of how much home you can afford.

Don't base your home buying decision on online affordability tools that only rely on formulas to estimate your budget. Use PNC Home Insight Planner  to take into account your actual budget and spending habits, so you can be confident that you’re making the best decisions for your future.

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.


Home Insight Tracker


Easily track and manage your mortgage application online

Home Insight Tracker brings a new level of transparency and mobile accessibility to the mortgage process. This digital tool keeps you up to date on the status of your mortgage application -- every step of the way!

Tracker helps you: 

  • Check the status of your application and verify application details 
  • Manage your application, and upload documents, from your smart phone, tablet, or desktop computer  
  • Receive real-time emails when your application has reached key milestones 
  • View your home lending team contact information and exchange secure messages 

Ready to Apply? Let's Talk

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


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


Important Legal Disclosures and Information

Equal Housing Lender

Borrower must satisfy pre-approval conditions outlined in commitment letter. Final loan approval and amount are subject to verification of loan data, property appraisal and underwriting conditions. 

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.

©2022 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.