PNC Mortgage Loan Modification & Foreclosure Prevention Experts

Are you falling behind on your PNC Mortgage payments? Is the threat of foreclosure looming over your family? You are not alone, and you do not have to fight the bank by yourself.

Since 1997, United Capital Mortgage Assistance (UCMA) has successfully helped thousands of homeowners negotiate with lenders like PNC to lower their monthly payments, stop foreclosure auctions, and keep their homes. When your home is on the line, experience matters. Trust the team that has been navigating the complex world of loss mitigation for over 25 years.

Why Choose UCMA to Handle Your PNC Mortgage Modification?

Dealing with a major lender like PNC Mortgage can be overwhelming. Homeowners often face lost paperwork, long hold times, and confusing denial letters. UCMA bridges that gap with Experience, Expertise, and Authority.

• 25+ Years of Proven Results: We have been stopping foreclosures since 1997. We know the specific guidelines PNC uses for FHA, VA, Fannie Mae, and Freddie Mac loans.
• We Stop Foreclosure Auctions: Our primary goal is to halt any foreclosure process so we can negotiate a sustainable solution.
• Expert Negotiation: We don’t just fill out forms; we advocate for you. We know how to present your hardship to PNC’s loss mitigation department to maximize your chances of approval.
• Peace of Mind: Stop worrying about missed calls and complex legal jargon. We handle the communications, ensuring your file is processed correctly and efficiently.

“UCMA played hardball and stopped my foreclosure… the relentless help was a godsend!” — Satisfied Client

Contact UCMA Your Free  Consultation Today or for immediate assistance call 1-800-474-1407.

PNC Mortgage Loss Mitigation Contact Information

If you are attempting to contact PNC Mortgage directly regarding a hardship, here is the most current contact information for their loss mitigation and borrower assistance departments.

PNC Mortgage Assistance Portal: Login to PNC Mortgage Hardship Portal

Important Phone Numbers:

• Mortgage Customer Service / Loss Mitigation:1-800-523-8654
• Home Equity Customer Service:1-866-622-2657
• Hearing Impaired (TDD):1-800-523-8654

Fax Numbers (For submitting documents):

• Loss Mitigation Fax:1-855-288-3974

Mailing Address for Hardship Applications: PNC Bank Attention: Central Receiving B6-YM14-01-T 3232 Newmark Drive Miamisburg, OH 45342

Our Process: How UCMA Helps You Keep Your Home

We take the burden off your shoulders using a proven 3-step process tailored to your specific financial situation.

1. Free Analysis: We review your current financial status, your loan type (FHA, Conventional, VA, etc.), and your hardship to determine the best course of action.
2. Strategic Application: We prepare a professional package that meets PNC’s strict compliance standards, minimizing the risk of “missing document” delays.
3. Aggressive Negotiation: We work directly with PNC’s underwriters to secure a loan modification that brings your loan current and offers a monthly payment you can afford.

Government Agencies & Additional Resources

While UCMA provides professional representation, it is important to know your rights and the government resources available to homeowners.

• CFPB (Consumer Financial Protection Bureau): Regulates the mortgage industry and protects consumers. Visit CFPB
• HUD (Dept. of Housing and Urban Development): Provides government-approved housing counselors. Visit HUD
• HAF (Homeowner Assistance Fund): State-specific funds available to help homeowners impacted by financial hardships (availability varies by state).
• VA (Department of Veterans Affairs): Specific assistance for veterans facing foreclosure. Visit VA Housing Assistance

Frequently Asked Questions (FAQ) for PNC Mortgage Borrowers

Can I stop a foreclosure auction if I have already received a sale date from PNC? Yes, in many cases, a foreclosure auction can be postponed if a complete loan modification application is submitted and “facially complete” usually 37 days before the sale. However, time is critical. Contact UCMA immediately if you have a sale date.

What is a “Trial Payment Plan”? If PNC approves you for a modification, they will likely put you on a Trial Payment Plan (TPP). This usually requires making three on-time trial payments. Once completed successfully, the modification becomes permanent. UCMA ensures you understand these terms before you sign.

Does PNC Mortgage offer Principal Reduction? Principal reduction is rare but possible under specific investor guidelines (like certain FHA or proprietary programs). Most modifications focus on lowering the interest rate or extending the loan term (e.g., to 40 years) to lower the monthly payment.

Why does PNC keep asking for the same documents? This is a common frustration known as the “document loop.” Documents expire (usually after 60-90 days), or they may be rejected for poor quality. UCMA manages your document submission to ensure everything is legible, current, and tracked to prevent these delays.

Don’t Let Foreclosure Take Your Home. You have options. With over 25 years of experience and thousands of homes saved, UCMA is the expert partner you need.

Call 1-800-474-1407 or Click Here to Apply Online A trusted name in foreclosure prevention since 1997.