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Variable APRs for loan amounts from $10,000 to $1,000,000 range from 7.87% to 14.50% as of 9/28/2026. Variable APRs shown also reflect a 0.25% interest rate discount for automatic payments from a qualifying PNC checking account and a 0.25% interest rate discount for PNC employees. PNC may occasionally offer a promotional introductory APR. The automated payment discount does not apply to the Introductory APR. If automated payment is discontinued at any time, you will no longer receive an automated payment discount. Your Variable APR may be higher or lower and will be based on the then-current variable-rate index value, your credit qualifications, amount of the line, loan to value, the property type, lien position and whether you elect the automatic payment feature from a PNC checking account. If automatic payment is discontinued, you will no longer receive an automatic payment discount. The Variable APR is based on the prime rate published in The Wall Street Journal plus a margin, but it will never be greater than 24% and will never be less than 2.25%

Annual Fee: The annual fee is $75. There is no annual fee for Texas accounts.

Title Insurance Fees: You must pay certain fees and charges to third parties to open your Account. We will pay some other fees and charges for you. Title insurance may be required for credit lines of $500,000 or more and for credit lines of lesser amounts depending on a number of factors, including the manner in which the property was acquired. If title insurance is required, fees may range between $450 and $19,493.25.

Origination Fees: You will be charged an Origination Fee if your property is located in any state other than Texas. There is no Origination Fee for property located in Texas. The Origination Fee will be based on the approved maximum credit limit as follows: For approved lines of credit up to $149,999.99, the Origination Fee will be $299; for approved lines of credit of $150,000.00 to $499,999.99, the Origination Fee will be $399; for approved lines of credit of $500,000.00 to $749,999.99, the Origination Fee will be $499; and for approved lines of credit of $750,000.00 or more, the Origination Fee will be $599.

Recordation Tax: Customers with collateral in New York and Georgia are responsible for paying all state specific city/county recordation taxes. These taxes are a percentage of the Credit Limit approved by the lender and accepted by the customer. Your taxes for New York could range from $20.50 - $21.75 per $1,000 of your credit limit within New York City or $7.50 - $12.50 per $1,000 of your credit limit outside of New York City. Your taxes for Georgia are $3.00 per $1,000 of your credit limit. PNC Bank (Lender) will withdraw the total tax amount from your Credit Limit to pay the taxes on your behalf and set up a 0.00% interest segment for the full amount of the taxes paid on your account. You will then pay 1/36th of the total amount over 36 months as part of your minimum monthly payment due. This segment will reduce the Credit Limit by the amount of taxes paid. For example, based on a line amount of $100,000, then based on New York City tax, your estimated total tax would be between $2,050 and $2,175. Your estimated monthly tax segment payment, which is 1/36th of the total tax amount, would be between $56.94 and $60.42, respectively.

Insurance: In addition to any required title insurance, you are required to carry property insurance on the property that secures your account. Flood insurance may be required. Your payments on this account do not include taxes or insurance.

Reimbursable Fees: PNC Bank will pay certain closing costs including, as applicable, certain state transfer taxes and fees on your behalf. If you pay off and close your line of credit within the first 36 months, you will be required to reimburse us for those closing costs. There are no reimbursable fees for Texas accounts.

Transfer Fee: There is no fee for a Fixed Rate Part established at account opening. A $100 transfer fee is charged each time you establish a Fixed Rate Part after account opening or transfer the balance in a Fixed Rate Part back to the Variable Rate Part.

Fixed Rate Option: This account includes an option to establish a Fixed Rate Part for terms ranging from 5 to 30 years. Payments include principal and interest amounts based on a level amortization schedule designed to fully repay the Fixed Rate Part amount at the end of the term selected.

Applicable Fixed Rate Part APRs will vary and are based on the index value for fixed-rate options in effect at the time a Fixed Rate Part is established; and a margin value based on your credit qualifications, the repayment term of the Fixed Rate Part, the amount of the transfer, the property type, loan to value, lien position and whether you elect the automatic payment feature from a PNC checking account. Once a Fixed Rate Part is established, the APR for that Part will not change. The minimum amount to establish a Fixed Rate Part is $5,000. Principal repayments during the Draw Period replenish the available credit line and are available for future draws.

Your rate may also be higher or lower as rates are subject to change at any time based on market conditions or other business factors including changes in benchmark interest rates. Call 1-855-762-9545 to obtain the most up to date rates available in your market.