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PNC Bank offers most types of mortgage products, including conventional and government-backed loans. PNC Bank offers:
- Conventional mortgages.
- Adjustable-rate mortgages
- First-time homebuyer loans.
- U.S. Department of Agriculture loans.
- Department of Veterans Affairs loans.
- Federal Housing Administration loans.
- Jumbo loans.
- Mortgage refinancing.
- Home equity loans.
PNC Bank offers both preapproval and a full digital application on its website, including electronic submission of documentation. If you need help getting started, submit a contact form online, use the website to find a local mortgage loan officer or call 877-508-3339 for assistance.
PNC Bank offers loan terms of 10, 15, 20 and 30 years, and down payments as low as 3% of purchase price.
Borrowers may qualify for a $5,000 PNC Grant to put toward closing costs, but they must meet certain conditions, such as income requirements and home in a qualifying area.
PNC Bank requires a minimum 620 credit score to qualify for a mortgage but does not disclose its maximum debt-to-income ratio requirements.
PNC Bank offers a broad range of mortgage products that begin with a minimum credit score of 620.
PNC Bank operates in all 50 states.
PNC Bank has an A+ Better Business Bureau rating.
In 2021, the Consumer Financial Protection Bureau received 357 mortgage-related complaints for PNC Bank. The most common issues were related to:
- Trouble during the payment process.
- Struggling to pay the mortgage.
- Applying for a mortgage or refinancing an existing mortgage.
PNC Bank provided a timely response to all complaints, with 304 closed with explanation, eight closed with monetary relief and 45 still in progress as of January 2022.
In U.S. News’ ratings of mortgage lenders, PNC Bank received 4.4. out of 5 stars overall, 4.3 for affordability, 4.5 for eligibility and 4.4 for customer service. The median overall rating for mortgage lenders by U.S. News is 4.2.
For help with PNC Bank mortgage products, reach customer service by calling 800-822-5626 from 8 a.m. to 9 p.m. Eastern Time Monday through Thursday and 8 a.m. to 5 p.m. ET on Friday. Customers can also tweet the PNC Bank Twitter customer support team at @PNCBank_Help for service questions.
PNC Bank offers online preapproval, tracking and planning. Applicants can check rates online, make inquiries and upload documents during the mortgage process. With Home Insight Planner, any homebuyer can research homes on the market and estimate the complete cost of their homeownership including taxes, estimated insurance and applicable association fees. Mortgage payments can be made through PNC Bank’s online banking platform, and methods such as Apple Pay, Zelle and Google Pay are accepted.
- People who want to consider a wide variety of mortgage products.
- People who want to work with a large, well-established bank.
- People who want help estimating the cost of homeownership.
- Low FICO Credit Score
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Not disclosed
- Low FICO Credit Score
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620
- Low FICO Credit Score
-
620
- Low FICO Credit Score
-
620
- Low FICO Credit Score
-
620
- Low FICO Credit Score
-
620
- Low FICO Credit Score
-
620
- Low FICO Credit Score
-
Not disclosed
- Low FICO Credit Score
-
620
- Low FICO Credit Score
-
Not disclosed