Home Equity Application Checklist

Use this list to gather the documents you'll need.

You may be asked to provide some or all of the items listed below to decision your credit  request. In order to expedite the process, please provide all required information at the time of application. If you apply online or over the phone, you will be asked to fax, mail or email this information.


Personal  Information for Applicant and Co-Applicant:

  • Full legal name, Social Security number, Date of Birth
  • Current address and previous, if less than two years
  • Current employer and previous, if less than two years, including main office phone number
  • Government issued photo ID (Driver’s license, US passport or state-issued ID)

Required Income Documentation for Applicant and Co-Applicant


You may fall into one or more of these categories.  Please submit all documents that apply.


If you are
an EMPLOYED WAGE EARNER / COMMISSIONED:

  • Most recent paystubs showing last 30 days YTD income
  • Most recent 2 consecutive years W-2s
  • For Commission Income: All items indicated above AND Most recent 2 consecutive years Personal Federal tax returns, Signed & Dated
  • For Loan Requests Greater than $250,000: All items indicated above AND most recent 2 consecutive years Personal Federal tax returns, Signed & Dated, AND Personal Financial Statement (form provided by PNC), Signed & Dated

If you are SELF-EMPLOYED

  • Most recent 2 consecutive years W-2s (if you are receiving income as an employee of the business)
  • Most recent 2 consecutive years Personal Federal tax returns (with all schedules), Signed & Dated
  • If Ownership Is 25% or Greater: All items indicated above AND Most recent 2 consecutive years Business Federal tax returns (with all schedules), Signed & Dated, AND YTD profit & loss statement and balance sheet
    • For Home Equity Line of Credit applications: sole proprietors may provide 6 months of business bank statements with deposit history in lieu of a profit & loss statement
  • For Loan Requests Greater than $150,000: All items indicated above AND Personal Financial Statement (form provided by PNC), Signed & Dated

If you receive SUPPLEMENTAL or RETIREMENT INCOME:

  • Most recent 2 consecutive years Personal Federal tax returns (with all schedules), Signed & Dated
  • For Social Security Income: Social Security Income Award Letter (current or most recent year)
    • For Home Equity Line of Credit applications: most recent 2 months of deposit history may be used in lieu of a Social Secuity Income Award Letter and most recent 2 consecutive years personal federal tax returns (with all schedules)
  • For Pension Income: Pension Award Letter and/or documentation demonstrating all sources of income
  • For Investment Income: Most recent investment statements
  • For Rental Income: Current lease agreement for each unit
    • For Home Equity Line of Credit applications: 24 month rental history reflected on most recent 2 consecutive years personal federal tax returns may be used in lieu of a current signed lease/rental agreement
  • For Loan Requests Greater than $250,000: All items indicated above AND Personal Financial Statement (form provided by PNC), Signed & Dated

Required Property Information

  • Homeowners/Condo/Townhome Insurance declaration page, showing premium, deductible and coverage amount
  • If Taxes and Insurance Are Currently Being Escrowed: Most recent mortgage statement
  • If Taxes and Insurance are Currently NOT Being Escrowed: Current year property tax statement
  • For Loan Amounts $500,000 or Greater: Title insurance policy from most recent mortgage (Title commitment not acceptable)
  • If Property Is in a Flood Zone: Flood Insurance declaration
  • If Property Is a Condominium: Master insurance policy for condominium association

Additional Information, if applicable and may be required during the review process

  • Signed Current Year Tax Return Extension
  • Trust agreement (all pages must be submitted)
  • 30-day Payoff Statement for All Required Payoffs 
  • Power of Attorney (must be recorded in same county as property)

Apply Now

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What to expect when you apply »

What you need to apply »
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Other Ways to Apply

By phone
Call 877-535-6319
Mon - Fri: 7am - 10pm ET
Sat - Sun: 8am - 5pm ET

In person at a branch 

Complete your saved loan application »


Need Help?

Call 800-762-5684
Mon - Fri: 7am - 10pm ET
Sat : 8am - 5pm ET


Calculators & Tools

Home Equity Savings Calculator »
View home equity rates and payments »
How large a line of credit can I obtain? »
Tax Savings Calculator »

Important Legal Disclosures and Information

Credit is subject to approval.  Certain terms and conditions apply.