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Helping clients achieve their home ownership goals together.
We’re Better Together
By partnering with us, you can take advantage of our lending experience and platforms to serve your clients. You and your clients can rely on us to support the homebuying journey.
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Resources
Tools and information for you and your clients.
Our Commitment to Affordability
Over the last few years, we have issued over $72,000,000 in home loan grants to qualified borrowers helping make the dream of home ownership more affordable for thousands of PNC clients.[1]
In 2026, we’re strengthening our commitment to affordable home ownership by expanding down payment assistance and affordable lending programs.[2]
The PNC Advantage
Financing and Affordability Solutions
- Loan Options: Conventional, Jumbo, Low down payment products include 0% down (USDA, VA), 3% down (PNC Community Loan and numerous Fannie/Freddie products), 3.5% down (FHA with credit scores as low as 600).[2]
- Specialty Products: Construction to Permanent, Renovation to Permanent, Lot (land), Medical Professional Loans.
- We build lifelong relationships that support long-term financial wellness for our clients.
- 9 out of 10 PNC mortgage clients say they would recommend their PNC Mortgage Loan Originator to friends, family or colleagues.[5]
- Lower average mortgage interest rates and origination fees.[6]
Discover Why PNC Is a Top Mortgage Lender
Our flexible financing options and dedicated support make an award-winning home lending experience.
Stay Up To Date
Affordable Housing Roadshow
Saturday, November 7, 2026
State Theatre New Jersey
Doors open at 9:30 AM | Lunch will be served
Let's Connect
As a real estate professional, you’re pivotal to the home buying process. We’re here to help – let’s work together to help buyers achieve their homeownership goals.
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Data sourced from internal PNC reporting showing $63,486,544 in actual funded grant dollar amounts for the period of Jan 1, 2022, to Dec 31, 2025.
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A PNC Mortgage Loan Officer can help determine eligibility for available down payment assistance programs. To qualify, borrower’s household income must be at or below 80% of the median household income for the metropolitan statistical area (MSA) or the financed property must be located in a low-or moderate-income census tract as designed by the FFIEC.
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"In less than 30 minutes” was substantiated by internal PNC reporting which showed that the online digital preliminary preapproval process had a median time from application start to submit of 28 minutes for 2024 for all clients that successfully received a preliminary preapproval letter.
PNC will make one or more soft credit inquires during the digital online preliminary preapproval process, which will not affect your credit score. If you later submit an application, a hard credit inquiry will be made which may affect your credit score.
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PNC's internal process for completing the pre-underwriting review typically takes 24 hours, while completing the underwriting review typically takes an additional 24 hours, which equates to 2 business days (when all required documentation has been provided by the client upfront).
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9 out of 10 statement is based on NPS data pulled from Jan 1, 2024 to Dec 31, 2024 for all internal client satisfaction surveys completed by PNC clients with funded home lending transactions (includes both purchase and refinance transactions and excludes home equity transactions). The data point utilized is the average % of positive promoters (scored PNC as either a 9 or 10 for the following question: “How likely are you to recommend your mortgage loan officer (person who consulted with during the loan consideration process and took your loan application) to a friend, family member or colleague?”. The average score of positive promoters for this question for this time period was 91%.
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PNC mortgage rates and fees being lower than the industry average was validated using 2022, 2023 and 2024 Federal HMDA data. Data assumptions include: both purchase and refinance funded home loans for all unit types where the transaction was a first lien across all product types and for all loan amounts. Data assumptions excluded: all opens lines of credit, reverse mortgage, balloon payment and business commercial loans (including exempt loan types in these categories) for all funded transactions. National average interest rates for 2022 were 4.65%, while PNC’s average was 4.10%. National average origination charges were $3,397, while PNC’s average was $2,253. National average interest rates for 2023 were 6.61%, while PNC’s average was 6.44%. National average origination fees were $3,965, while PNC's average was $2,232. National average interest rates for 2024 were 6.57%, while PNC’s average was 6.49%. National average origination fees were $3,822, while PNC's average was $2,107.
Digital pre-approval requires the assistance of a Mortgage Loan Officer. After the first part of the application process is complete, a PNC Mortgage Loan Officer will reach out to finish the remainder of the preapproval.
Carrier fees for data usage may apply.
All borrowers must satisfy all conditions outlined in a commitment letter issued in connection with an application for mortgage credit. Final loan approval and amount are subject to verification of loan data, property appraisal and underwriting conditions. Program terms are subject to change.
Brilliantly Boring is a registered mark of The PNC Financial Services Group, Inc.
PNC, PNC HomeHQ, PNC Home Insight and Home Insight are registered service marks of The PNC Financial Services Group, Inc. ("PNC"). PNC has a pending patent application directed at various features and functions of Home Insight® Planner. All loans are provided by PNC Bank, National Association, a subsidiary of PNC, and are subject to credit approval and property appraisal. This information is provided for business and professional uses only and is not to be provided to a consumer or the public. This information is provided to assist real estate professionals and is not an advertisement to extend consumer credit as defined by Section 226.2 of Regulation Z. Programs, interest rates, and fees are subject to change without notice.
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