PNC Bank Coronavirus Mortgage Forbearance Information

Servicer Contact Options

Mortgage: 800-523-8654
Home Equity: 866-622-2657 ext. 66520

Online Portal: COVID-19 Payment Hardship Request

From Servicer Website

If you are experiencing financial hardship and unable to make payments on your mortgage due to COVID-19, we are offering a temporary financial hardship payment forbearance option.

You will not have to make your payments for an initial 90 days with the ability to extend for longer if needed up to 180 days. Please complete and submit this form to be considered for this program.

You do not need to provide documents to apply for the temporary financial hardship payment forbearance program due to COVID-19. You will need to provide your full mortgage account number when you complete the form.

By submitting this form for your mortgage loan:

  • You are requesting to forbear payments for up to 90 days.
  • During this period, no payment is required and no late payment fees will be charged.
  • You may renew making full monthly payments at any time.
  • You are still required to eventually fully repay your forbearance amount, but you may not have to repay it all at once — unless you are able to do so. We will contact you before the end of the forbearance period to see how you’re doing and explain options that may be available for you at that time.

Following submission of the electronic form, you will receive a confirmation letting you know that we’ve received the request. A letter will be sent via US Mail with additional details, following the review. There is no need to contact the Call Center in the interim. We appreciate your patience.

If you have forbearance questions and would like to speak to a certified housing counselor, please call the Hope Hotline at


Please ask questions or report your experience with this servicer below. Your feedback will help other homeowners navigate homeownership preservation options. REMEMBER: Ask for everything in writing to protect yourself against surprises.


  1. Marc A Mizzer on May 6, 2020 at 3:26 pm

    I understand PNC is offering lenders 90 days to postpone mortgage payments. I also understand that your policy is to collect a balloon payment following those 90 days for the 3 previous months mortgage payments. My question is: HOW DOES THAT HELP???

    If folks are struggling to pay their monthly mortgage during this crisis, how are they all of a sudden gonna be able to make a huge bulk payment to you after 3 months……it makes absolutely NO SENSE.

    This is not helping people. Now if you would allow lenders to tack the 3 months on to the back end of their mortgage – THAT WOULD HELP!!!

    • Forbearance Report on May 6, 2020 at 6:45 pm

      Marc, tacking your payments on to the back end of the mortgage is the most likely solution for most homeowners. Fannie Mae, Freddie Mac, FHA, VA, and USDA have all announced that they will defer payments to the end of the loan. This covers about 70% of the loans out there.

  2. Ray on May 21, 2020 at 3:58 pm

    This site is very helpful. Thank you! The problem is that although I’m pretty sure I can get a forbearance on my mortgages, I don’t want to sign up because they are basically saying that they have to wait to commit to their terms. I frankly don’t trust the banks in doing the right thing without a contract delineating the specific terms. They can make more money if you get in some trouble because of a temporary problem with your tenants. Why can they write a deferment on the onset?

    • Forbearance Report on May 21, 2020 at 4:35 pm

      Your fear is a very real one, Ray. You’re right to not jump into something that there is no defined exit strategy.

      The path to reinstatement after forbearance looks very different depending on what kind of loan you have and if it’s federally backed. Fannie Mae, Freddie Mac, FHA, VA & USDA are all going to allow deferment as after forbearance, and there are still some details that haven’t been released yet as to exactly what that looks like.

      If you can afford to make your payment, it’s best to steer clear of forbearance.

      • Josh on July 17, 2020 at 8:26 pm

        I have a USDA loan in N.C. through PNC. I used their 90day forbearance Assistance and Aug 1 is my next payment. When I set this up I was told I could call in before payments started back and state that I wanted to just extend the term of my loan 3mo to repay. Today when I called some young guy in collections told me I had to either pay a lump sum from the 3mo or put a down payment and pay the rest off in 6mo. He did not sound like he knew what he was talking about the whole time. Is he possibly correct?? Was I misinformed when applying for this?? It will be a big hit it so. Thanks

  3. Christine on May 27, 2020 at 1:27 pm

    Hi, How can I get my mortgage company to tell me the truth, and put it in writing that the payments will be tacked on to the end of the loan? Thanks

    • Forbearance Report on May 27, 2020 at 8:59 pm

      Hi Christine, it’s not really about telling the truth, most servicers simply do not know how they are going to navigate all of these forbearances. I would recommend patience.

      If you’re in forbearance now, there’s no way to undo that. If you can make your payments, you should continue to do so. Your options after the forbearance are going to depend on the Servicer, and if your loan is Federally backed (Fannie Mae / Freddie Mac / FHA / VA / USDA).

      We are cautiously optimistic that most servicers have the goal of keeping homeowners in their homes. FHFA released guidance on payment deferment, but even that guidance is ambiguous and leaves a lot of room for servicers to make their own decisions. FHFA’s payment deferment option is not available to homeowners until after July 1st, 2020

      I can tell you that very few servicers have this figured out. Patience is going to be necessary, and all we can really do is hope for the best. This is my opinion, but again, I am cautiously optimistic that most homeowners are going to be ok.

      Have you looked up your loan to see if it is Federally backed? If it is, your options are much more defined than if your loan is not Federally backed.

      • Karen on July 7, 2020 at 6:33 am

        My loan is backed by Freddie Mac and owned by PNC; I applied online and was granted 90 days of forbearance but did not realize the deferral to end portion did not start until July 1st, several days ago – PNC is unwilling to say if they will honor the terms of that and say it is only up to 180 days – this is all contrary to what Freddie Mac says… Help?

        • Forbearance Report on July 7, 2020 at 6:53 pm

          Karen, your mortgage is covered under the CARES Act. Freddie Mac has been very transparent about the options available to homeowners with a Freddie backed mortgage.

          At this point, I would be patient. All servicers are trying to figure out how to handle the volume of homeowners asking for help and trying to get their loans back in good standing.

          The CARES Act allows an initial forbearance of up to 180 days, and the ability to extend that for another 180 days if your financial hardship has not been resolved.

          Have you spoken to a representative from PNC yet? I suspect that while it may require long wait times, once you reach them, you will be offered the protections in the CARES Act.

          I hope this helps?

Leave a Comment