Mortgage Loans & Home Loan Options

Which home loan is right for you?
Find the right option based on loan terms, down payment and other special circumstances.


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PNCCheck Current Rates 

PNC's Preliminary Pre-Approval

A preliminary pre-approval is a great first step in your home buying journey. Some of the benefits include:

  • Know what loan amount you may qualify for. 
  • It shows real estate agents and sellers that you're a serious buyer. 
  • Get a preliminary pre-approval online from almost anywhere.

Learn More

Consistent payments for the life of your loan.
  • Loan terms between 10 and 30 years
  • Down payments as low as 3% of purchase price
  • Single family loan amounts up to $510,400

A set rate for a defined period of time, which will adjust later.
  • Lower payments for the first years of your loan
  • Rate is set for a predetermined period, then will reset with a new rate that can be either higher or lower depending on market conditions at the time the adjustment occurs
  • Could be ideal if you’re expecting an increase in income, or planning to live in the home for a short period of time

For home financing options above $510,400.
  • Loan terms between 15 and 30 years
  • Fixed rate, adjustable rate and interest-only payment options 

Government loan program with more flexible qualification criteria than conventional loans.
  • Down payments as low as 3.5%
  • Seller can assist with up to 6% of purchase price toward closing costs
  • Fixed and adjustable rate options

Home loan options for active military, veteran, reservist or National Guard.
  • Little to no down payment required
  • Fixed rate and adjustable rate payment options are available

Find out if your home buying situation could make you eligible for a specialized loan from PNC
  • Explore the specialized loan options that PNC offers.
  • Includes 80-10-10 Combination Loan, PNC Community Loan, Rural Housing, Medical Professional, and a $1,500 Grant. 

Important Legal Disclosures and Information

Final loan approval and amount are subject to verification of loan data, property appraisal and underwriting conditions.

PNC, PNC HomeHQ, PNC Home Insight, and Home Insight are registered service marks of The PNC Financial Services Group, Inc. ("PNC"). PNC has pending patent applications directed at various features and functions of Home Insight Planner and Home Insight Tracker. All loans are provided by PNC Bank, National Association, a subsidiary of PNC, and are subject to credit approval and property appraisal.

©2020 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member FDIC

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