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Pnc Bank Jumbo Refinance Rates
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PNC Bank Mortgage Review: Choose From Many Loan Types, But You Need A Good Credit Score
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In-house experts pick the best products and services to help you make smart money decisions (here's how). In some cases, we receive commissions from our partners, but our opinions are our own. Terms apply to the offers listed on this page.
Bottom line: If you want to explore your options, PNC is a great lender because it offers more mortgage types than most companies.
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PNC displays personalized mortgage rates on its website when you enter your zip code and desired loan amount. It shows rates for various fixed-rate and variable-rate mortgage terms, as well as rates for FHA and VA loans.
However, take these customs fares with a grain of salt. PNC does not allow you to enter information such as your credit score or down payment amount at this stage, which will eventually be used by PNC to determine your rate after you apply for pre-approval.
PNC charges lenders some fees, but the exact fees vary depending on where you live and how much you borrow. Its origination fees typically range from $675 to $1,240 -- though it doesn't charge origination fees for FHA, VA or USDA mortgages.
PNC has more home loan types than U.S. banks, so if you need a USDA mortgage, construction loan, or home equity loan, PNC is the smart choice.
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You may prefer Bank of America's down payment assistance. PNC has a $1,500 grant, but Bank of America has down payment and transaction cost assistance, which often add up to much more. Programs vary by state.
PNC and Fairway Independent Mortgage Corporation offer a range of home loans. You will go to PNC to apply for a USDA mortgage, HELOC, home loan or construction loan. But Fairway has reverse mortgages and renovation loans.
Fairway is a better option if you have low or no credit. Like most lenders, PNC checks your credit score to decide whether to approve your loan. But Fairway allows you to apply for alternative credit as proof you pay your bills on time.
PNC offers loans in all 50 U.S. states and Washington, DC. You can get the following types of home loans through PNC:
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If you refinance, you can choose between a rate and term refinance or a payment refinance. You can also simplify refinancing your FHA, VA or USDA loans.
Ask PNC about applying for a PNC property grant. You will receive $1,500 towards purchase costs such as transaction fees. PNC doesn't offer much information online, but you can talk to an agent about subsidies.
For inquiries about customer support, please call Monday through Thursday, 8:00 am to 9:00 pm EST. EST or Friday 8:00am to 5:00pm etc. Or call Saturday 9am-2pm. Wait.
Is PNC Bank Trustworthy? Chevrons Display expandable tabs or menus, sometimes showing previous/next navigation options.
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The Better Business Bureau gives PNC Bank an A+ rating. A good BBB rating means that a company responds effectively to customer complaints, has honest advertising practices and is transparent about how it operates its business.
Despite PNC's high BBB score, the bank recently had a public scandal. In 2019, PNC was accused of helping a man run a sham debt relief program that cost clients a total of $85 million. In 2014, PNC suspected the man of conspiracy and closed his bank account. But nine months later, the bank allowed him to open more accounts.
How hard is it to get a mortgage with PNC? Chevrons Display expandable tabs or menus, sometimes showing previous/next navigation options.
PNC offers many types of mortgages, so it's easy to find the one you qualify for. However, you'll need to have a good credit score, as it doesn't accept other forms of credit as proof of paying bills on time. You must have a credit score of at least 620 to qualify for a mortgage.
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How long does it take for PNC to close houses? Chevrons Display expandable tabs or menus, sometimes showing previous/next navigation options.
From the time you place an offer on a home, it typically takes about 45 days to close. PNC will issue final approval following the home appraisal and subsequent loan decision. Closing should take 7 to 10 days after final approval.
How do I pay off my PNC mortgage? Chevrons Display expandable tabs or menus, sometimes showing previous/next navigation options.
PNC allows you to pay your mortgage using online banking, set up automatic payments, send payments by mail, visit a branch or pay by phone. If you choose to pay by phone, you will incur a $7 fee if the payment is from a non-PNC bank account.
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Laura Grace Tarpley (she/she) is Insider's Personal Finance Reviews Editor. She edits articles for Personal Finance Insider on mortgage rates, refinance rates, lenders, bank accounts, wealth building, and borrowing and saving tips. She is the author and editor of Insider's "Road Home" series, which won a Silver Award from Associate Real Estate Editors National. She is also a Certified Personal Finance Educator (CEPF). For six years, she has been writing about personal finance. Before joining the Insider team, she was a freelance financial writer for companies like SoFi and The Penny Hoarder, and an editor for FluentU. Laura Grace can be reached at [email protected]. Learn more about how Personal Finance Insider selects, rates and covers financial products and services »
Editor's note: Any opinions, analyses, comments or recommendations expressed in this article are solely those of the author and have not been reviewed, approved or endorsed by the card issuer. Read our editorial standards.
Please note: While the above offers are accurate at the time of publication, they are subject to change at any time and may have changed or may no longer be available. PNC is one of the nation's largest banks by assets. Founded in 1845, PNC is credited with financing America's first mortgages, offering a variety of mortgage products such as fixed-rate mortgages, adjustable-rate mortgages, bulk loans, Federal Housing Administration (FHA) loans , Veterans Affairs Loans (VA). and special loans.
With a wide range of loans from PNC, financing is available to prospective homebuyers with good credit. The lender offers interest rate options for borrowers with a minimum credit score of 620, but those with credit scores above 740 will get the prime rate. Fixed-rate and variable-rate mortgages have down payments as low as 3% of the purchase price, with little or no add-on loans.
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PNC's PNC Mortgage Review outlines the important details you need to know about corporate mortgage products, application requirements, interest rates, fees, and other loan requirements to help you decide if it's the best option for you.
You can explore a variety of mortgage and refinancing options at PNC, including:
PNC offers fixed and variable rate mortgages to lenders, but rates will ultimately vary based on the type of loan and your borrower profile. You can choose between a fixed-rate loan with a term of 10 to 30 years, or an adjustable-rate mortgage with a market variable rate of 7 to 10 years.
To get an accurate estimate of your interest rate, you can use PNC's mortgage and refinance calculators. Alternatively, you can call 1-844-297-7255, submit a contact form, or ask to speak directly with a loan officer.
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PNC does not disclose a list of its fees on its website. However, it notes that for most types of loans, costs and fees typically range from 3% to 5% of the loan amount.
PNC does not disclose its minimum loan requirements on its website. However, it mentions that borrowers with a credit score of 620 are still eligible for the loan. Generally speaking,
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