Payment Options

PNC offers a wide range of mortgage payment options, allowing you to choose the one that’s most convenient for you.

Highlighted below are the different ways you can pay, along with our FAQs about every payment option.

Payment Methods and FAQs

Explore our payment options chart and our most popular Frequently Asked Questions.

Making Your Payments

 Payment Methods

Main Details

How Does It Work?

Cost

PNC Online Banking Pay your mortgage online using PNC Online Banking. It's free, secure and easy to use. With the Transfer Funds feature you can schedule payments from PNC accounts or accounts at other banks. Or use Online Bill Payment to set up a payment from a PNC checking account. Free
Electronic Funds Transfer Pay your mortgage using Electronic Funds Transfer (EFT) from any account, including accounts at other banks. Schedule recurring monthly payments with EFT and stop worrying about missing deadlines. Free
SpeedPay Pay your mortgage using SpeedPay from any account, including accounts at other banks. By logging into your account online or calling PNC Mortgage, you can make an immediate payment. $7 or free from a PNC account[1]
Mail Your Payment Paying by mail You’ll need to write your loan number on the appropriate documents and mail them. Free
In-Branch Payment Paying in branch Payment is accepted in the PNC bank branch during normal branch hours and is effective as of the date payment is made, although it may take up to 2 business days for the payment to be reflected on your account. Free
Bi-Weekly Draft Helps you pay off your loan faster and reduce the total interest you will pay on your mortgage. A draft in the amount of half of your monthly payment is made every 2 weeks and held in escrow. A payment is applied after there are sufficient funds to make a complete payment, resulting in 13 payments being made in a year. Free

PNC Online Banking

It's free, secure and easy to use.

PNC Online Bill Pay

PNC Online Bill Pay puts you in control of your payments.

Add PNC Mortgage to your list of payees through the Pay Bills tab in PNC Online Banking. Return each month to make your payment or set up recurring* payments for convenience.

  • You determine when payments are made and how much to pay.
  • Payments entered by 10:00 pm ET can be scheduled for the next business day.
  • Payments can be scheduled up to a year in advance.

*The recurring payment amount will not automatically adjust to changes in your monthly mortgage amount due.

Electronic Funds Transfer 

Pay your mortgage from any account, including accounts at other banks.

How do I sign up for Electronic Funds Transfer (EFT)?

To sign up for our EFT program, simply, go to PNC Online Banking. Once you log-in to your account, click Electronic Funds Transfer and complete and submit the enrollment form online.   It’s fast and easy to enroll.

EFT set up generally takes 5 to 7 business days. Therefore, please continue to make your payments until you receive written confirmation of your enrollment from PNC Mortgage.  You will also find an EFT enrollment form in the Important Forms and Documents section or within your coupon booklet that you can complete and mail to us. 

Speedpay 

Make an immediate mortgage payment from any account, including accounts at other banks.

What Is SpeedPay?

SpeedPay is an easy-to-use online payment service that gives you the flexibility to make your monthly mortgage payments on your own terms.

If you don’t want to commit to paying on the same date each month, SpeedPay may be the best option for you.

Mail Your Payment

Make free payments by mail.

How do I pay by mail?

Use the coupon in your coupon book or from your billing statement to make your monthly mortgage payments to PNC Mortgage.

If you misplace your coupon book or billing statement, you can mail your payment to one of the following addresses:

WEST: AK, AZ, AR, CA, CO, HI, ID, IA, KS, LA, MN, MS, MO, MT, NE, NV, NM, ND, OK, OR, SD, TX, UT, WA, WY

PNC Mortgage
P.O. Box 54828
Los Angeles, CA 90054-0828

EAST: AL, CT, DE, DC, FL, GA, IL, IN, KY, ME, MD, MA, MI, NH, NJ, NY, NC, OH, PA, PR, RI, SC, TN, VT, VA, WV, WI

PNC Mortgage
P. O. Box 6534
Carol Stream, IL 60197-6534

In-Branch Payment 

Make a mortgage payment at any one of our convienient PNC branch locations.

How can I pay my mortgage at a PNC branch?

Use the coupon in your coupon book or from your billing statement to make your monthly mortgage payments to PNC Mortgage and write your loan number on your check.

Bi-Weekly Draft

Pay off your loan faster and reduce the total interest you will pay on your mortgage.

What is the Bi-Weekly Draft Program?

The PNC Mortgage Bi-Weekly Draft Program helps you pay off your loan faster and reduce interest payments. You’ll make ½ of a monthly payment every 2 weeks, for a total of 13 monthly payments per year – instead of 12.

Plus, this “extra” payment will automatically be applied to your principal balance, reducing the total interest you will pay on your mortgage. The funds from your first ½ payment each month will be held in a non-interest bearing account, and will be applied once a full monthly payment is received.

To learn more about our bi-weekly draft program, visit our Important Forms & Documents section for more details and an enrollment form.

Payoff Information 

Important need to knows about paying off your home mortgage.

Does PNC Mortgage hold the deed to my property?

No. You should have received a copy of the Deed after the closing on your loan when you purchased the property. The original Deed was sent for recording at the Recorder's Office of the county in which your property resides. The Deed should then have been returned to you. You may obtain a copy of the recorded Deed from your County Recorder's Office.

Principal Reduction Options 

You may be eligible for a Modification – find out today.

Is it possible to lower my monthly mortgage payment after applying a large sum of money to the principal of my loan?

If applicable, a Principal Reduction Modification can be executed within 12 months from the time a borrower applies a lump sum of $10,000 or more to the principal balance of their loan. The interest rate and term of the loan will remain the same.

The loan is re-amortized or 'recast' based on the lower balance. The loan must have investor approval before this transaction can be completed. Most private investors will not allow a modification to the loan.

Additional Questions

A few more answers to common payment option questions you may have.

Important Legal Disclosures and Information

  1. All SpeedPay transactions will require a $7 transaction fee, unless payments are made from PNC Bank accounts or are otherwise restricted by state law.

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.