PNC Online Banking is your 24/7 secure online resource for viewing important mortgage account information and accessing helpful tools to manage your loan.

Once logged into Online Banking start realizing the many benefits, including:

• Get organized and save paper with paperless Mortgage statements
• Setup account alerts to stay informed
• Schedule payments for your mortgage account
• Access mortgage documents such as your escrow statements and year-end tax statements (form 1098)Schedule Recurring Mortgage Payments

Can I remove my PMI (Private Mortgage Insurance)?

Single family dwelling mortgage loans secured by a primary residence and closed after July 29, 1999 are covered under the Homeowner’s Protection Act of 1998 (HOPA). The Act gives customers the right to request PMI deletion once the Loan to Value (LTV) ratio reaches 80%. Cancellation will automatically occur when the loan reaches an LTV ratio of 78% under its original amortization schedule, provided all loan payments are current.

If you feel your loan qualifies for PMI deletion, please send a written request to the PNC Bank address listed below, so your request can be reviewed accordingly. PMI deletion requires a good pay history: no payment may be 30 or more days late in the past 12 months, and no payment may be more than 60 or more days late in the past 24 months. You may be responsible for the costs of an appraisal.

PNC Bank
Attention: PMI Department B6-YM13-01-5
PO Box 8736
Dayton, OH 45401-8736

Or call the Customer Care Team at 800-822-5626

If there is a shortgage in my escrow account, what should I do?

You may pay the shortage in your escrow account using the coupon attached to your escrow analysis statement.  Upon receipt of the escrow payment shortage, we will adjust your payment to reflect the lower payment amount. If you choose not to pay the shortage, the shortage will be divided by 12 and spread over the next 12 months payments, interest free. In either case, your mortgage payment will be adjusted to reflect the new amount. If you currently use a coupon book for remitting your payment, a new coupon book will be sent to you within 15 days of the original escrow analysis.  However, if you’re interested in setting up electronic payments to avoid writing a check and paying postage, learn how to enroll in the Electonic Funds Transfer (ETF) Program. 

Why did my payment change?

An increase or decrease in your payment may be a result of an increase or decrease in your property taxes and/or insurance premiums and may result in an escrow shortage or surplus. An increase or decrease in your taxes may be due to a property reassessment, a change in the tax rate, a change in an exemption or a special assessment.

For more information, view our guide to property insurance and taxes »

Homeowners Insurance Processing Center: 1-888-229-5429

Understanding Your Options

Unexpected events may impact your ability to make your mortgage payments. We understand and we're ready to help discuss how you can get back on track.

Life changing events impacting your finances can occur. A few examples to consider are the following:

• Are you unemployed?
• Have you had a reduction in your income?
• Does illness or injury prevent you from making your loan payments?
• Has divorce affected your ability to make loan payments?
• Has any other unexpected life event affected your ability to make your loan payment?

The first step is to contact us to discuss your personal situation. This will allow us to provide you with the right loan options to meet your needs and get you started on a mortgage assistance plan that’s right for you and your family.

If you are having trouble making payments call: 1-800-523-8654

Learn more about the various hardship assistance options we offer that may fit your needs »