PNC Bank · Bank
PNC Bank
Review published mortgage options and requirements, then request a personalized quote from the lender.
At a glance
- Property use
- Second home
Still to confirm: Borrower type, Credit requirement, Reserves.
Our take: Pros & Cons
What we like
- Fixed-rate financing offers consistent principal and interest payments.
- Loan terms between 10 and 30 years are available.
What to consider
- All loans require credit approval and property appraisal.
- Obtain a current quote with the applicable property and borrower assumptions.
AI-generated lender-level assessment based on published information. Not a verified assessment of Fixed Rate Mortgage — Second home; confirm program-specific conditions below.
Newcomer requirements
Fixed Rate Mortgage — Second home
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Minimum down payment
- Down payments as low as 3% of purchase price.
- Property restrictions
- Available for both primary and second homes, as well as investment properties.
- Occupancy
- Second home
View full lender requirements
- Minimum down payment
- Down payments as low as 3% of purchase price.
- Property restrictions
- Available for both primary and second homes, as well as investment properties.
- Occupancy
- Second home
- Other conditions
- All loans are provided by PNC Bank, National Association, a subsidiary of PNC, and are subject to credit approval and property appraisal.
Questions to confirm with the lender (13)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum credit score
- Income documentation
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
Requirements last reviewed: Oct 27, 2026 · Official requirements source
Rates and costs
Fixed Rate Mortgage — Second home
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
Fixed Rate Mortgage — Second home
Document requirements are not confirmed. Ask the lender for its program-specific checklist.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
PNC fixed-rate mortgage financing offers terms from 10 to 30 years and down payments as low as 3%, subject to credit approval and property appraisal. Primary homes, second homes and investment properties are listed.
Legal lender: PNC Bank, National Association
Lending channel: Direct lending
Provider type: Bank
Lending channels: Direct lending. Origination status: Not stated.
NMLS identifier: 446303
More lender directory information
Directory verified: 2026-10-27 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 27, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.