Last Updated: 04/18/2025
SuperMoney User Recommendation Score +53
Strongly recommended19 total votes
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Highlights
Community Rating
Strongly recommended
Credit Score Range
600 - 850
Amount Range
Up to $5,000,000
No Origination Fee
Loan Term (Years)
10 - 30
Number of Reviews
PNC Home Mortgage Review
PNC Home Mortgage is offered by PNC Bank , a bank founded in 1845 and based in Pittsburgh, PA. PNC Bank are available in 50 states and Washington, DC.
Key Takeaways
- Wide selection of mortgage programs offered. PNC Home Mortgage offers FHA, VA, jumbo, conforming, and conventional mortgages.
- Financing for a variety of property types. Offers home loans for manufactured, single, and multi-family homes.
- Standard interest rates types. PNC Home Mortgage offers adjustable-rate mortgages and fixed-rate mortgages.
- Investment and personal use properties considered. Financing available for primary homes, vacation homes, and even investment homes, such as rental properties.
- No origination fees. PNC Home Mortgage does not charge fees for processing your application.
- High maximum LTV ratio. PNC Home Mortgage has a maximum loan to value ratio of 97%, which is higher than average. Most lenders want you to have at least 20% equity.
- Fair credit accepted. Borrowers with a credit score as low as 600 may qualify for PNC Home Mortgage.
- Debt-to-income ratio less than 36%. PNC Home Mortgage requires a debt-to-income ratio of less than 36%. Your DTI is calculated by dividing your monthly debts (including your proposed mortgage payment) by your monthly income and multiplying by 100.
PNC Home Mortgage Pros & Cons
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PNC Bank FAQ
How much can you borrow via PNC Bank?
PNC Bank allows borrowers to apply for loan amounts of up to $5,000,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.
What is the maximum loan term you can get with PNC Bank?
PNC Bank offers mortgages with terms ranging from 10 to 30 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
What mortgage rates does PNC Bank offer?
Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.
Do they charge mortgage origination fees?
No, PNC Bank does not charge a mortgage origination fee.
Some lenders charge an origination fee for processing, underwriting, and funding a mortgage. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.
Does PNC Bank charge prepayment fees?
No, PNC Bank does not charge prepayment fees. This means you will not have to pay additional fees if you decide to repay the mortgage early.
What mortgage programs are available?
Besides conventional mortgages, PNC Bank offers the following mortgage types:
- FHA loans: FHA loans are mortgages insured by the FHA. They offer competitive mortgage rates and have less stringent eligibility requirements. However, borrowers must pay a mortgage insurance premium. For instance, you can apply for an FHA loan with a credit score as low as 580. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
- Jumbo loans: Any mortgage with a loan amount above the conforming loan limits set by the Federal Housing Finance Agency.
- VA loans: A zero down payment mortgage or a refinance of up to 100% of the home's value for American military members, veterans, and their spouses. VA loans offer competitive mortgage rates, and don't have a minimum credit score. However, the mortgage lenders that offer them will typically require a credit score of at least 640.
What property usage types does PNC Bank allow?
Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. PNC Bank allows the following property usage types:
- Primary home
- Secondary homes and vacation properties
- Investment properties and house flipping projects
What is the customer service phone number?
The customer service number for PNC Home Mortgage is (888) 762-2265.
How do people rate the customer service and user experience?
Overall, this business is strongly recommended based on community reviews that rate customer service and user experience.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 9:00PM
Tuesday
8:00AM - 9:00PM
Wednesday
8:00AM - 9:00PM
Thursday
8:00AM - 9:00PM
Friday
8:00AM - 9:00PM
Saturday
8:00AM - 5:00PM
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +53, or 4.1 on a 5-point rating scale.
+53
-1000+100
No one recommends
Everyone recommends
PNC Home Mortgage Community Reviews
Would you recommend PNC Home Mortgage to your friends?
MM
Maryann M.
Jun 20, 2023
May or may not recommend
I had a mortgage with them and all of the sudden they doubled my monthly payment! They forced me into escrow even though I was making insurance and tax payments separately. They decided to force their insurance on me which was the highest available of course. While in the process of refinancing with them I got a foreclosure letter out of the blue! I lost my ...Show More
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
The main reason I recommend PNC is because through them I was able by my house, and they are loyal to their clients, I had a fraud problem and they stay behind me, during the hold process, support me and keep a good contact. Also when I visit the branch nearby, there always a smile and great coffee waiting for me.
TT
Torbjorn T.
Oct 16, 2022
May or may not recommend
They offer refinance and conventional loan. It's good for low- and moderate-income earners. Yes, i recommend it,
AS
Anny S.
Sep 26, 2022
May or may not recommend
The main reason I recommend PNC is because through them I was able by my house, and they are loyal to their clients, I had a fraud problem and they stay behind me, during the hold process, support me and keep a good contact. Also when I visit the branch nearby, there always a smile and great coffee waiting for me.
PN
Perez N.
Aug 21, 2022
May or may not recommend
I have used PNC bank for more than 6 years and it’s been a great relationship and due to that I will recommend PNC Home Mortgage.
AB
Alexis B.
Jul 20, 2022
May or may not recommend
PNC help me get my dream home, we were short about $80,000 and reached out for a loan. We were approved quickly and talked with a representative about our rates. 2.568 was our apy which was very low compared to other companies we got quotes from.
CK
Cloud K.
Mar 29, 2022
May or may not recommend
They Offers several affordable loan options, including FHA, VA, USDA and the PNC Community Loan. Although, they don't offer renovation mortgages and In-person service is not available in every state.
JL
Jamie L.
Feb 22, 2022
May or may not recommend
PNC was able to get us approved to build our home when other companies couldn't quite figure out how to structure our construction loan. They were knowledgable and patient with our many questions.
TO
Temitope O.
Feb 15, 2022
May or may not recommend
PNC Home mortgage community is very flexible and effective with the house-buying process in terms of its financial loans. I recommend!
RA
Raphael A.
Jan 19, 2022
May or may not recommend
Good service. PNC actually was very flexible and communicative about the entire house-buying process with their financial loans and lending options. They allow you to keep the same agent for all the application procedures and then when transferring to the next portion, they have both the app agent and lending agent working together until all details and explanations have been done with the customer.I have never had any issues with ...Show More
Celeste D.
Jan 18, 2022
May or may not recommend
I'm so happy I found PNC Home Mortgage. They have been nothing but helpful since day one. They have given me the best terms and zero prepayment fees, which is something I had never heard of before. I've had a few friends who also got mortgages through them and they say the same thing. It's so frustrating when you can't find a mortgage, PNC Home Mortgage is the place to ...Show More
LA
Lisa A.
Oct 11, 2021
May or may not recommend
PNC Home Mortgage made the process of buying my first home an easy process. They had a great checklist of the process and what I needed to do to complete my first home purchase. They offered great rates and terms.
Candice W.
Oct 4, 2021
May or may not recommend
Immediately I notice there is a list of pro regarding this mortgage policy. Is this perfect? I'm not sure but they have great reasons why someone should invest in this policy. There are no prepayment fees, and considers people with fair credit! I have noticed there are businesses that won't accept people without good or excellent credit! It looks like on the surface they are wiling to listen! If anyone ...Show More
MS
Marty S.
Sep 30, 2021
May or may not recommend
I would recommend PNC home mortgage to anyone who want to apply for a mortgage loan. They are reliable and offer some mind blowing features. You don’t have to pay an origination fee while applying. Interestingly, there are no repayment fees. What could be better than that?
Try it out and you’ll be glad you did.
NC
Naomi C.
Aug 27, 2021
May or may not recommend
PNC is a longtime mortgage provider, and they have amazing offers. They try to fit everyone into their plan and provide the best available plan for you. They also don’t charge you any fee for processing your loans
VH
Victoria H.
Aug 20, 2021
May or may not recommend
I was thoroughly confused by the agent that helped me through PNC, every time I went to ask him about if I qualified, doing the things he recommended he would tell me how I didn't qualify in different ways. I honestly think he didn't want to tell me that he had not worked with VA loans before and didn't know or want to take a chance on making it work. ...Show More
Hannah M.
Aug 17, 2021
May or may not recommend
The programs offered are good, but the terms vary and aren’t in all 50 states.
GW
Gabrielle W.
Aug 1, 2021
May or may not recommend
I would not recommend PNC bank to anyone I know so many people who have had bad experiences with them and talk negatively about them. They charge so many unknown fees and run your money to the ground. They are sneaky, and when you bring up the issues to customer service they never really fix the issue.
Originsand T.
Jul 29, 2021
May or may not recommend
I don't qualify, but the customer service is reliable. I think they are similar to some of the more well-known companies out there,
Showing 19 of 19 reviews
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