Compare PNC's published mortgage terms against a documented Freeman Douglas offer. Same loan scenario. Clear payments, points, lender costs and interest. Original sources included.
Independent comparison published by Freeman Douglas Corp. Freeman Douglas is not affiliated with, endorsed by, or an agent of PNC Bank, N.A.. PNC information is third-party public advertising, reproduced here for consumer comparison.
PNC does not publish a rate or APR for this product on its website (checked November 1, 2026) — you must apply or call to get a number you can compare.
Douglas Wilkerson · Mortgage Broker | Branch Manager · NMLS #1680719 · Freeman Douglas Corp, DBA of Edge Home Finance
PNC does not publish a rate or APR for this product on its website (checked November 1, 2026) — you must apply or call to get a number you can compare.
Douglas Wilkerson · Mortgage Broker | Branch Manager · NMLS #1680719 · Freeman Douglas Corp, DBA of Edge Home Finance
PNC does not publish a rate or APR for this product on its website (checked November 1, 2026) — you must apply or call to get a number you can compare.
Douglas Wilkerson · Mortgage Broker | Branch Manager · NMLS #1680719 · Freeman Douglas Corp, DBA of Edge Home Finance
PNC publishes no standing 30-year fixed example — its pricing runs through a customizable tool, one borrower at a time. What PNC does publish is the gate on its best pricing: jumbo relationship discounts are for customers who keep $500,000 or more in deposit and investment balances with PNC Private Bank, and its mortgage cash reward (up to $750) grows with how much you bank there. The Freeman Douglas column needs no balances moved and no tier climbed: priced 30-year fixed rates, posted with a date, at 0 points.
A veteran doesn't win because a bank put a flag in an ad. A veteran wins when somebody puts the bank's rate, points, APR and lender fees on one side of the page and the same loan — priced across the market — on the other, before anything gets signed. Every dollar a veteran doesn't hand over in points and fees is a dollar that stays with their family. Publishing this comparison, on the record, every day, is how we truly help our military community: not with a slogan — with the numbers.
A first-time buyer doesn't win because an ad said "3.5% down." A first-time buyer wins when somebody shows them the whole cost — rate, APR, points, mortgage insurance and lender fees — next to the same FHA loan priced across the market, before they sign. That's how we truly help our first-time homebuyer community: not with a headline — with the numbers, where everyone can check them.
No PMI, down payment as low as 3%, minimal cash reserves, gift funds allowed, on standard fixed-rate terms.
Same program, or the same outcome, here: Three-percent-down, no-PMI conventional structures are Fannie Mae shelf products — available here and priced across lenders, with the same gift-fund and reserve rules stated in writing.
Three grant tiers: $2,500 for low-income first-time buyers (at or below 50% of area median income), $3,000 for low-to-moderate income borrowers, and up to $5,000 for income-eligible borrowers or homes in targeted census tracts inside PNC's assessment area. PNC says it funded over $63 million in these grants from 2022 through 2025.
Same program, or the same outcome, here: Grant money is real and worth taking — from whichever source is biggest on your file. Florida Housing assistance, Hometown Heroes and lender programs get compared side by side here instead of one bank's grant menu being the whole conversation.
Loans up to $1.5 million with no PMI, primary residences, gift funds allowed, fixed or ARM.
Same program, or the same outcome, here: Physician programs are a standard wholesale shelf — the same structures priced across lenders, on fixed terms if that's what the comparison calls for.
Same program. Same guidelines. Way cheaper — because one bank gives you their price for it, and we price it across the market. Today's matched comparison is in the cards above.
Bank figures are taken from PNC's own published rate pages and disclosures, captured with the date shown and linked below. Freeman Douglas figures are that day's priced scenario: $450,000 loan, 30-year fixed, primary residence, single-family, borrower-paid compensation, 0 points; down payments VA 0%, FHA 3.5%, conventional 5%. Payments are principal & interest only, recalculated from the amortization formula, never copied from an advertisement. Discount points are never lumped in with origination charges; each cost keeps its own label. Rates change daily — when this page's figures roll forward, the date above rolls with them.
PNC does not post one — pricing comes from its customizable tool after you enter loan size, down payment, credit score and ZIP. Aggregator snapshots exist but publish no assumptions or as-of date, so this page does not quote them as PNC's rates.
On jumbo loans, PNC's own page ties relationship discounts to a PNC Private Bank relationship with at least $500,000 in deposit and investment balances. The Freeman Douglas price in the table requires no balances at all.
Request a documented, side-by-side financing review from Freeman Douglas — bring any Loan Estimate, or start with your own numbers.
