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.

      • Maria on October 6, 2020 at 2:03 am

        I need help from PNC I don’t have any of those you mentioned, what coul happen to my mortgage?

    • ELISABETH HOY on April 21, 2021 at 12:39 pm

      Absolutely agree!!! Not a fan of PNC forbearance plan. A balloon payment in 3 months does not help if you are not working.

  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?

  4. John Bancos on September 4, 2020 at 9:09 pm

    Hello, and thanks for answers provided to questions in this forum thus far. I also have an FHA Single Family Loan thru PNC Bank. However, they will not disclosed to me who the owner of the loan is (i.e. Freddie Mac or Fannie Mae). Am I still covered under the CARES Act? Thanks.

    • Forbearance Report on September 4, 2020 at 9:25 pm

      Hi John, if you have an FHA loan, your loan is federally backed. You are 100% covered under the CARES Act.

  5. Leena on September 17, 2020 at 6:29 pm

    Hi there!

    My loan with PNC is not federally backed. However, I was granted an initial 120 day forbearance and since then been Automatically granted another 3 months ( ending October 2020). I was told yesterday, that if at the end of October and my situation haven’t changed, I can request another 3 months forbearance and at the end of that ext, if my situation has changed and I can resume making my regular monthly payment, then I could request for a “No Document Deferment” and at that point, the money would be tacked on to the end of the loan. Is that accurate information?

  6. Minoo on October 7, 2020 at 11:56 am

    I have not paid my mortgage since April. I called about the plan to repay and was told that I am approved for disaster plan and will get a letter in mail to sign and pay at end of my mortgage. I was told that I will start paying on Nov/1. My question is if my first payment be in NOV, then I will miss 7 payments. Should I go ahead and make a payment for Oct?

    • Forbearance Report on October 7, 2020 at 3:22 pm

      This is a really good question. Technically, mortgage payments are made in arrears – the payment you make on November 1st is for the principal and interest due from October.

      It sounds like you are making your October payment on November 1st, and the previous payments will be deferred. You will pay back the skipped payments if you sell or refinance the home in the future.

  7. Danielle on October 10, 2020 at 2:59 pm

    I have Fannie Mae and have been on the forbearance program since May. I have been making ends meet and I am now currently two months behind (September) and currently owe October. I am hoping that I can have September paid by the end of October but even if so, I will still be one month behind. Will Fannie Mae allow me to put one month on the back end of my loan so that I am able to get caught up and back on schedule?

    • Forbearance Report on October 11, 2020 at 5:51 pm

      Hi Danielle, per the CARES Act, deferring the payments you skipped during forbearance is an option. It’s called a COVID-19 Deferment. Ask you servicer if this is a reinstatement option that is available to you. It should be!

  8. Tatyana on October 20, 2020 at 1:07 pm

    i have been on forbearance program since April 2020 and PNC expects me to resume my payment on November 1.
    I would like to request a loan modification to lower my monthly payment. What am I supposed to do with the missing payments? Is there a valid reason for PNC to deny my request?

    • Forbearance Report on October 20, 2020 at 5:34 pm

      Tatyana, PNC should work with you to find a solution to pay back the skipped payments. If your mortgage is federally backed by Fannie Mae, Freddie Mac, or FHA, there is an option for putting those skipped payments on the end of the loan to be paid off in full if you sell or refinance.

      If your loan is not federally backed, you will have to follow the options determined by your servicer.

  9. Alex on October 23, 2020 at 6:08 am

    This is information is very helpful. I’m now equipped with the knowledge. My 90 day forberance period already ended about two months ago for PNC and I started making my regular payments already. However, I still have 3 months owed on my 2 loans that I have with PNC which I confirmed is backed up by Freddie Mac. About 2 months ago I spoke to a representative and was looking for a resolution. Hoping that I would have the Covid Deferment available to me. Unfortunately, the representative informed it was not and that I call back later, but keep making my monthly regular payment. He was pushing me to apply for a long term hardship assistance which I did not need. So here I am, still making my regular payment with no resolution in sight with 3 months owed in my statement under the natural disaster plan. What should I do? I feel like this servicer is not giving me any options and are trying to corner me in making my payments in full which is not required. It was not like this with Chase Bank, they made it really simple and basically handed me a deferment at the end of my loan via online. Why are these servicers playing hard ball and not complying? Please advice.

    • Forbearance Report on October 23, 2020 at 4:58 pm

      Alex, I can certainly appreciate your frustration. While the CARES Act does lay out a defined set of options for requesting forbearance, it does not tell servicers how to get people out of forbearance. That’s up to the servicer. The COVID 19 Deferment is an option that should be made available to you if your loan is federally backed by fannie mae or freddie mac.

      We are just now coming up on 6 months since the first wave of foreclosures. We are hearing many reports of servicers being difficult to contact due to the high volume of homeowners they are trying to help right now.

      Just keep trying until you reach someone. The only way through this is by having a conversation with your servicer.

  10. Kristin on March 1, 2021 at 8:53 pm

    During 2020, we chose to do a 5 month forbearance on our PNC mortgage because we were worried about qualifying for the PPP in our businesses. We have now resumed our payments (with a slight increase to shore up our escrow account) and have been told that about $6k in principle in addition to our interest was added to our loan. This makes no sense to me. I understand unpaid interest accruing and perhaps an extension of our term, but I have never heard of a principle increase on a modification. This basically sounds like a $6k charge from then bank which we NEVER would have agreed to. Please explain.

    • Bee Jay on August 2, 2021 at 8:35 pm

      The exact same thing happened to us and I’m still trying to figure out where this increase in principal came from. It appears that they capitalized whatever was “past due” throughout the period of non-payment. This math doesn’t work out and certainly doesn’t seem like relief. My understanding was the loan period would be extended.

      • Ann Koz on August 28, 2021 at 6:44 am

        Hi Bee Jay, I just had the same issue with PNC. A $6300 charge was added to my principal too. My loan is backed Fannie Mae – so they can’t charge late fees or interest,,,,so what the hell is this charge for? The numbers don’t add up to anything. Please help,

      • Jill on February 25, 2022 at 4:57 am


  11. Donna on March 17, 2021 at 7:22 pm

    My sister has a PNC Mortgage. She called PNC and got on the forbearance program (which doesn’t make sense to me) You can do a 3 month forbearance and have to pay everything by the third month. If you are having issues it doesn’t really help. Then she received a letter in the mail for a collection agency stating she is late with the mortgage. If you are on this program why are they going to report you to a collection agency staying you are late and ruin your credit (which you are trying to avoid). How does that help? It seems people say oh we can help but really cannot help.

  12. Bee Jay on August 2, 2021 at 8:37 pm

    Forbearance Report, any feedback or advice on My & Kristin’s dilemma with the massive capitalizations we’ve experienced? I’ve still yet to get a straight answer from PNC. THANKS!

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