Believe it or not, now is a good time to consider a new home mortgage for many people.  We here at Peak Personal Finance know that buying a home is a huge decision and is almost always the largest financial decision we’ll make in our lifetimes.  So considering your options carefully is important and finding the best home mortgage rates is definitely smart.  Today, we’re going to look at PNC Bank home mortgage rates to see what they have to offer you.

For the numbers listed here, we’re assuming an average down payment (5-12% of the mortgage), and credit worthiness in three scales: excellent, good, and qualified.  Other extras, of course, are not being considered, such as closing costs and so forth.  These numbers are for general guidance only and may not apply to your specific situation and geographic location.

For a 30-year fixed loan with excellent credit, PNC Bank home loans offers a 4.992% annual percentage rate (APR) on the loan with a 1% origination.  For good credit, an APR of 5.155% (same 1% orig) and for qualified credit a 5.317% APR (no origination) are available.

For PNC Bank mortgage interest rates on a shorter-term 15 year fixed, rates are even lower at 4.606% APR, 4.763% APR, and 4.863% APR (excellent, good, qualified – respectively).

For some, the best home mortgage rates are through adjustable rate mortgage (ARM) loans.  PNC Bank home loans offers both a 3 year and a 5 year ARM.  The 3 year has a PNC Bank home mortgage rates of 3.510% APR and the 5 year has 3.670% APR for the term.

Whatever your choice, talk to your financial adviser and carefully make your decision.  We think it’s worthwhile to see what PNC Bank home mortgage rates can offer you, but the decision is ultimately yours to make.