When considering your financial and home ownership options, think about your goals.  Do you want to lower your monthly payments in order to keep your home? Are you looking for an alternative to foreclosure?  We have various Home Affordable options that may fit your needs.


I want to keep my home and lower my payments

Home Affordable Modification Program (HAMP)

If you can no longer afford to make monthly mortgage payments, you may qualify for a loan modification to make them more affordable.


Am I Eligible?

Some of the initial eligibility guidelines for the Making Home Affordable Modification include:


  • Your loan must be owned by Fannie Mae or Freddie Mac, or a participating investor. To check your loan to see if it is a Fannie Mae or Freddie Mac, go to look up your loan
  • Your principal balance is equal to or less than $729,750 for one unit properties (and higher for two to four unit properties)
  • Your loan was originated before January 1, 2009
  • Your mortgage payment ratio (including taxes, insurance, and home owners association dues) based on gross income, must meet program guidelines
  • If you previously defaulted on a payment during your HAMP Trial Payment Plan or HAMP Modification you may still qualify


Print a hard copy of the application and mail or fax it to us:

Home Affordable Modification Program Application Packet



Alternative Foreclosure Options


Home Affordable Foreclosure Alternatives (HAFA)

The Making Home Affordable Program includes additional foreclosure avoidance options, such as Short Sale and Deed-in-Lieu of Foreclosure.


Am I Eligible?

To be considered for HAFA, you must be considered for other loan modifications or retention programs that are offered. You may have the opportunity to be considered for HAFA if you lack other options and request a short sale or deed-in-lieu.


We will consider you for HAFA if you:

  • Do not qualify for a Trial Period Plan OR
  • Do not successfully complete a HAMP trial period OR
  • Are delinquent on a HAMP modification by missing at least two consecutive payments OR
  • Request a short sale or deed-in-lieu


You must provide a marketable title, free and clear of other mortgages, liens, or other encumbrances.


In order to assist you and your representatives in understanding our HAFA Policy, we offer a HAFA Eligibility Matrix. This document helps identify the requirements to qualify for the HAFA program.


Home Affordable Refinance Program (HARP)

Having trouble refinancing to a lower interest rate due to a declining property value?  We may be able to help you refinance.


Am I Eligible?

Some of the initial eligibility guidelines for the Making Home Affordable Modification include:

  • Your home must be an owner occupied 1 to 4 unit home
  • Your loan must be owned by Fannie Mae or Freddie Mac. To check go to look up your loan
  • Your loan must be current, meaning you haven't been more than 30 days late on your mortgage payment in the last 12 months


Contact Resources


You can get additional information at the Making Home Affordable website, or by contacting a PNC Mortgage Home Loan Assistance Representative via 800-822-5626.


Other Alternatives

We understand that there are events and circumstances that may cause you to fall behind on your mortgage payments.  If you have found yourself in this situation, please contact us. A variety of assistance programs may be available depending upon your circumstances.



Has there been a hardship that has affected your ability to pay your mortgage payment to PNC Mortgage?


Request Hardship Assistance

If you are in need of hardship assistance, please complete our online Customer Hardship Assistance Application.  You may print the application and fax or mail it to us. Note, only one application is needed for submission.


Contact Resources


Call us today to discuss programs that may be available to you.


PNC Mortgage

Customer Home Loan Assistance



Hours of Operation

Monday– Thursday

8:00AM-9:00PM ET



8:00AM - 5PM ET


Write to us:

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


If you need assistance finding a HUD counselor, please contact the U.S. Department of Housing and Urban Development or call toll-free 800-569-4287.