If you need a mortgage, look elsewhere. PNC made a commitment by letter us which they then took six weeks (past the agreed on closing date) to negate. The contract for the house was "as is," a concept that PNC does not understand though they will spend time on ebay looking up the prices of appliances that have nothing to do with the house or sale. I would give no stars whatsoever to this mortgage process if I had the choice. Another mortgage group got us our mortgage and closing within eight days of application with no hassles or problems at all. Would NOT recommend PNC as a lender for your mortgage.