Mortgage Payment Options

Yes, we offer an array of options for making your mortgage payment online. With our free automatic payment program, Electronic Funds Transfer (EFT), you can automate your monthly mortgage payments and avoid writing checks and paying for postage each month. Once you get set up with EFT, your mortgage payment is automatically paid each month on the same day.

We also offer SpeedPay, an efficient online payment tool that gives you flexibility for making your payments. Keep in mind, there may be fees associated with submitting your payment via SpeedPay. Learn more about SpeedPay.

Most mortgage loans are due on the 1st of each month.

You may refer to your loan closing documentation, first payment letter, mortgage statement or coupon book to confirm your payment date.

It is a good idea to allow 7 to 10 days for receipt of payment, particularly during holidays when mail volumes are heavy.

PNC has different grace periods, but the majority of loans are assessed a late charge on the night of the 16th.  Late fees vary in accordance with the mortgage note.

No. Your monthly payment must be drafted from a checking or savings account, or mailed to us.

Rather than making a partial payment, please call 1-800-523-8654 to speak to a Customer Service Representative about your options.   We may have a program available to you that permits a period of forbearance.

Some loans qualify for a Principal Reduction Modification. PNC Mortgage will allow you to pay a minimum of $10,000 towards your principal and re-amortize your loan, which will reduce your monthly principal and interest payment. To find out if this option is available to you, please call one of our Customer Service Representatives at 1-800-822-5626, or mail your request to:

PNC Mortgage

P.O. Box  1820

Dayton, OH  45401-8807

Amortization is the schedule for repayment of the loan.  At inception, the amortization, or schedule, is set.  Re-amortization is when at some point during the repayment, the schedule of payments is changed.

The funds will be applied to principal as long as you write "Principal Only" on the memo line of the check along with your loan number. You will need to send the check to the address on your payment coupon/billing statement. Note, we will not be able to process the principal payment  if your current month’s payment has not been received, your loan is delinquent, or if you have outstanding late fees.

• Log in to Online Banking»
  • Not using Online Banking? Enroll Now!
• Click the “Pay Bills” tab.
• Add PNC Mortgage as a biller. Be sure to have your mortgage account number and the payment address zip code from your billing statement handy.
• Schedule your bill payment.

Pay your mortgage from your checking/savings account, including accounts at other banks using the Transfer Funds feature within Online Banking.

• Same day, future dated or recurring* payments are available. Same day payments scheduled before midnight ET are posted (credited) effective that day.

The recurring payment amount automatically adjusts if your monthly mortgage amount due changes.

• Log in to Online Banking» Not using Online Banking? Enroll Now!
• Click the Transfer Funds tab and choose PNC Accounts and Payments.
• Select a 'From' account. If you're making a payment from a non-PNC account, you'll need the bank routing number and account number to add the external account.
• Select your mortgage as the 'To' account.
• Enter your payment options and schedule your payment.

When you sign up for EFT on your PNC Mortgage loan, you'll save time because there are no checks to write, no payments to mail, and no coupon books to manage.

And best of all, if you choose to have additional funds applied to the principal balance of your loan each month, you could save thousands in interest expense by paying off your mortgage faster!

Most financial institutions in the U.S. participate in the automated clearing house system, this allows PNC Mortgage, with your permission, to access your account for a payment each month.

Because it's automatic, you don't have to do a thing!

Each withdrawal appears as a deduction on your financial institution's monthly statement.  We will notify you of your first automated payment date, so be sure to continue making your payments on time until EFT begins.  

$7 - for all SpeedPay payments, but payments made with PNC Bank accounts are free- unless otherwise restricted by state law.

If late charges are owed, they will be collected with each payment.

By logging in to your account online or calling PNC Mortgage at 1-800-822-5626, you can make immediate payment.

• Get your check book and mortgage payment coupon book (you'll need your 10-digit loan number).
• Read the "Usage Agreement" thoroughly and click "OK."
• Access SpeedPay by entering your 10-digit loan number from your coupon book, and your Social Security number.
• Confirm the name of the account holder and enter the account number and routing number from your check.

Please do not include the check number when entering your account information, as it will cause your payment to be rejected and will delay the processing of your payment.

Pay Now with SpeedPay»

Because it's automatic, you don't have to do a thing!

Each withdrawal appears as a deduction on your financial institution's monthly statement.  We will notify you of your first automated payment date, so be sure to continue making your payments on time until EFT begins.  

It is free to pay by mail.

It may take up to 2 business days for the mortgage payment to be reflected on your account.

It's free! There is no fee to enroll in the PNC Bi-Weekly Draft Program.

Simply download the Bi-Weekly Draft Program Enrollment guide, then complete and return the enclosed form. This guide also contains more details about the program, including what happens after your enrollment form is submitted.

Enroll now in Bi-Weekly Draft Program

Because it's automatic, you don't have to do a thing!

Each withdrawal appears as a deduction on your financial institution's monthly statement.  We will notify you of your first automated payment date, so be sure to continue making your payments on time until EFT begins.  

A paid in full Thank You letter  is mailed the following business day after the loan payoff is posted to the account.  Additional documentation will be mailed in accordance with state guidelines.

A check will be issued within 20 business days from the date your loan is paid in full.

Yes. It is important that you continue to submit your monthly payment as you normally would.

If your payment is submitted using our Electronic Funds Transfer program, notify us at least 10 days in advance of the next scheduled draft so your EFT can be canceled. Should the payment be deducted from your bank account after your loan is paid in full, we will return it to you within two weeks.  You may also go to PNC Online Banking to log-in to your secured account and cancel your existing EFT payment.

Yes. It is important that you continue to submit your monthly payment as you normally would.

If your payment is submitted using our Electronic Funds Transfer (EFT) program, it is important to notify us at least 10 days in advance of the next scheduled EFT payment date so your EFT can be canceled. Should the payment be deducted from your bank account after your loan is paid in full, we will return it to you within two weeks.

You may speak with one of our Payoff Representatives by calling 877-729-6337.

To find out if your loan is eligible, call us at 1-800-822-5626 and ask for our Special Loans Department. Please note, your loan must be at least 6 months old to be considered for a Modification.

A letter of request must be submitted stating that you would like to have your monthly payment re-amortized. The letter and the fee should be mailed to: 

PNC Mortgage
Attn: Special Loans/Modifications
P.O. Box 1820
Dayton OH 45401-1820

The lump sum principal payment is usually included, but can be made at any PNC Bank, if preferred. Once the principal balance has been reduced, a Loan Modification Agreement is prepared and sent to you for your signature. Once we receive the signed document, we update our database with your new payment amount, and send you a new payment coupon.

The standard fee for a Principal Reduction Modification is $250, which is subject to change. The fee must be submitted up front, and is non-refundable.

To find out if your loan is eligible for a Principal Reduction Modification, call us via 800-822-5626 and ask for our Special Loans Department. Please note, your loan must be at least 6 months old before being considered for a Modification.

There is a six to eight week processing time before the new payment becomes effective. However, you will have the benefit of paying less interest immediately, so any payments made after the principal has been reduced and before the new payment amount becomes effective are applied to the principal balance of your loan.

PNC offers the following payment options to make your monthly mortgage payment:

Electronic Funds Transfer (EFT) / Auto Draft: This free recurring service can be established to withdraw your monthly mortgage payment from your designated checking or savings account on the same day each month. To pay your mortgage loan off faster, you can elect to make additional principal payments with each monthly payment. You may also select the day you would like your mortgage payment to draft, e.g. you may choose from the 1st to the 15th of the month. To enroll, complete the EFT Enrollment form located in your coupon book, visit our Important Forms & Documents page, or call with questions.

We also have a Bi-Weekly Draft Program that 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.

Speedpay: Speedpay is an online payment service that provides customers the ability to make immediate mortgage payments from any account, including accounts at other banks. There is a $7.00 flat fee for all Speedpay payments, but payments from PNC Bank Account(checking, savings, or money market) are free – unless otherwise restricted by state law. You can learn more on our Payment Options page.

Pay by Phone: A SpeedPay payment may be completed over the phone by using our automated system at 1-877-429-4129, or calling our Servicing center at 1-800-523-8654. 

Online Banking:  Once you receive your Online Banking credentials (usually within 7 business days of your loan transfer), you will be able to complete your online registration at www.PNC.com/OLB. You will then have 24/7 access to your account online, and be able to set up one-time or recurring payments, at no charge. 

If you have any questions, you can Contact our Customer Service or Collections Departments at 1-800-822-5626, Monday through Thursday between 8:00 A.M and 9:00 P.M. ET. Friday between 8:00 A.M. and 5:00 P.M. ET., and Saturday, between 9:00 A.M. to 2:00 P.M. ET.

Western Union Quick Collect: PNC mortgage payments may be paid at any Western Union location. To find the location nearest to you and get further details call 1-800-525-6000 for Western Union. Complete the Western Union Quick Collect form using CODE CITY (PNCMORTGAGE OH). There is a fee associated with this Western Union service.

PNC Bank Branch Payments: PNC mortgage payments may be paid at any PNC branch location. To locate the branch nearest you, click here.

Mailed Payments: 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

If you are currently using an online or bill paying service, please update the Payee Information using one of the following addresses and update the account number to your new PNC Mortgage loan number.

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       

No, your auto drafting is not transferrable and you will receive a coupon book or monthly billing statements in the mail. If you choose to establish auto drafting with PNC, refer to the Electronic Funds Transfer (EFT) / Auto Draft payment option to establish this service.

Yes. Once your loan transfer is complete and you have registered and created an account you can view and manage your loan information online. Please contact our Customer Service Department at 1-800-822-5626, Monday through Thursday between 8:00 A.M. and 9:00 P.M. ET, and Friday between 8:00 A.M. and 5:00 P.M. ET if you encounter any difficulties

Yes. If your loan is currently escrowed for taxes and/or insurance premiums, PNC will continue collecting the funds and making those payments. If you have additional questions, contact one of the following numbers:

For questions relating to your Homeowners Insurance, contact:

PNC Mortgage Homeowners Insurance Processing Center 1-888-229-5429

For questions relating to an Insurance loss claim, contact:

Loss Claims Customer Service 1-855-657-5807

For questions relating to other insurance, such as Mortgage Insurance (PMI or MIP), contact:

PNC Mortgage Customer Service 1-800-822-5626

If you have general mortgage questions, contact:

PNC Mortgage Customer Service 1-800-822-5626

Yes. It is important that you continue to submit your monthly payment as you normally would.

If your payment is submitted using our Electronic Funds Transfer (EFT) program, it is important to notify us at least 10 days in advance of the next scheduled EFT payment date so your EFT can be canceled. Should the payment be deducted from your bank account after your loan is paid in full, we will return it to you within two weeks.

If you signed the Note and Mortgage, you are still liable for the payments. A divorce agreement does not alter your obligation to make payments.

No. Deeding your interest in the property to someone else only means that you no longer own the home. You are still obligated to make payments, as stated in your Note and Mortgage.

For your convenience, PNC Mortgage offers a variety of methods for making your monthly mortgage payments in addition to the coupon book you’ll be receiving. Or simply check out the Payment Methods Chart at the top of the page.

Yes, you must still make your payment.

If you do not have a payment coupon, please write your account number on your check and mail your payment to:

PNC Mortgage

Attn: Payment Services

P.O. Box 1820 Dayton, OH 45401-1820