Mortgage Made Easy

Getting a mortgage shouldn't be intimidating.

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

Ready to Apply?

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


Let's Talk

Discuss your preferences with a loan officer.


Affordability

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

Pre-Approval

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

Affordability

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

Affordability

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).

Get Started on the Pre-Approval Process Now »

The Pre-Approval Process[1]

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

Getting Pre-Approved

Make the Smart Move, Get Pre-Approved Now.

Show sellers you’re a qualified buyer and put yourself in a stronger position to negotiate. 

First and foremost, you’ll know in advance exactly how much you can borrow, so you won’t waste time looking at out-of-reach properties. You’ll be able to better estimate monthly mortgage payment so you can budget around it. Plus, it shows real estate agents and sellers that you are serious–which can give you an advantage over other buyers.

Get approval in as little as 48 hours.

Once your paperwork is complete, you can often get a commitment letter from your lender in as little as 48 hours. Most pre-approval letters are good for 60 days. If you need more time, your lender will most likely pull a current credit report to make sure your financial situation hasn’t changed

Get Started on the Pre-Approval Process Now »

Documents for Pre-Approval

Here’s what you’ll need.

To get pre-approved, be prepared to provide:

  • Recent pay stubs – usually for the previous two or three months
  • If you are employed, W-2s and federal tax returns for the past two years
  • If you are self-employed, two years of business tax returns, profit and loss statement and a current year-to-date balance sheet. If a current balance sheet is not available, business banking statements may be acceptable for a Sole Proprietor.
  • Two to three months of recent bank statements, and other investment and savings statements
  • Contact information for your landlord (if you rent)
  • Your divorce decree if applicable

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 your credit score.

The Application Process

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

Video: The Mortgage Application Process

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

Find out how you can make the mortgage application process easier by:

  • Working with a mortgage loan officer to determine which loan best fits your budget
  • Using the PNC Home Insight Tracker tool® to follow the status of your loan, upload documents from your mobile device and opt-in your Agent, if you so choose.

Watch this short video to get an overview of the application process, or if you're ready:

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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

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.

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.

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

PNC Bank, National Association. Member FDIC.