PNC Bank Short Sale Information


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Customer service 800-523-8654


PNC Mortgage
Attention: Central Receipts
HAMP Bldg 7 – B6-YM10-01-1
3232 Newmark Drive
Miamisburg, OH 45342

We seem to be getting conflicting info on numbers. Try these as well.

Fax SS Package to: 937-910-4009 -- Takes 24 hours to make it through their imaging system. Then call: Jonathon 937-910-3327 (he's in PNC's 1st Lienholder Loss Mitigation dept.)  He was very helpful for me. good luck

Here are updated Phone Numbers for PNC Mortgage:

SS Dept # is 888-224-4702

FX: 440-546-2201

FX: 937.910.4009

First Mortgage:800-523-8654

First Mortgage Letter of Authorization:937-910-3333


2nd Mortgage Collections: 866-622-2657 x 44700



PNC Twitter @PNCBank_Help



Process for Fannie Mae/Freddie Mac Hardship Assistance Review

PNC Arms Length Transaction Notice.pdf

Discussion Forum

PNC SS (1-pnc & 2nd Ocwen)

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I have a file that was set to foreclose I was able to stop that with PNC. But, They have been telling me it is in review for some time now. Today I was told that it just went to review and it can…Continue

PNC 1st & BOA 2nd

Started by c stew. Last reply by Brett Goldsmith Oct 31. 4 Replies

nightmare SS-conventional loan-PNC 1st & BOA 2nd - Sale date Nov 14, 2014.Property $300k underwaterSubmitted all docs to PNC- PNC responded after having offer 2 months that price needs to be…Continue

Bankruptcy and Short sale help needed!!!

Started by Kylee Roe. Last reply by Julia Fishel Sep 19. 3 Replies

Need some help with a Bankruptycy and PNC on second. I have the first approved, seller in BK, but all payments complete.  Second was stripped, so PNC gets nothing, and I have a court order saying…Continue

PNC Buyer requirements

Started by Gretta Alvarez. Last reply by Gretta Alvarez Jun 25. 5 Replies

Hello fellow Superstars! Has anyone out there ever been told by PNC that they ONLY accept an LLC as a Buyer, and that they will not allow an INC as purchaser? And, if so- WHY?? I'm kind of getting,…Continue

Comment Wall


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Comment by Jeanette Becker on September 22, 2014 at 5:28pm


The net now has gone from $4,000 to $10,000.  The borrowers do not have the means to come up with this amount.

This is so overwhelming to the borrowers that they have now contacted a bankruptcy attorney.  They would rather complete the short sale but do not see any other means to get out from under this debt.  At this point, they are not getting this property sold due to this impasse.

Regarding the property.  It was listed at $189,000 and we had 6 offers and with each offer, the offer had decreased and we are now at $153,900.  The total owed to both banks is $230,000.  

The house is vacant and has issues with the roof that need to be addressed before winter, the basement has issues with water and with all the rain we have had lately, the drains are backing up and the carpeting is soaked with water.  The sellers have moved out in anticipation of filing for bankruptcy due to the impasse we have encountered with PNC and Farm Credit. The homeowners insurance is running out on the property mid-October.  The property is deteriorating fast and the offers continually go down.  We have a buyer that may not hold on much longer and it is imperative that we get this closed soon.

I appreciate anything that you can do to expedite the process and end this impasse. 

Anyone have escalation numbers?  The PNC negotiator will not work with us and the email that I sent to lori was forwarded to the PNC short sale negotiator!

Comment by Jeanette Becker on September 22, 2014 at 5:28pm

Sent an email to and it was forwarded to my negotiator who is not cooperating with us on a short sale.  Lori is no longer in the short sale dept.  Got her name from this website.  This is just an FYI on this contact.  Have not heard from but his phone number is not his anymore.

This is my story with PNC:

Please help me get this hardship short sale approved.  PNC has the second on a home loan to the above borrowers.  We have had the property on the market for over a year and we are on the 6th buyer.  We have finally gotten the paperwork in to the negotiating process and have had difficulty in getting the sale approved.

Farm Credit has the first on the property and has agreed to the short sale without any repayment on the deficiency.  PNC negotiator  has turned down the settlement for $3500 (this is the normal amount and usually the maximum amount the second is given for a hardship short sale). This was on Sept 5, 2014:  The offer of $3,500.00 has already been reviewed & declined.
If the net to PNC Bank can be increased to $4,000.00, we can accept it as a short sale lien release only.  A 1099A will be issued.  The sellers will be held responsible for the charged off deficiency balance.  Our recovery department will contact them post short sale to make payment arrangements on the balance owed.

If they only want  to work out a settlement, the net to PNC Bank must be increased.

On Sept 18, 2015 I got the following response after explaining that the first mortgagor will not be getting the deficiency balance recovered because they were following the Mortgage Dept Forgiveness Act guidelines.  They will not continue the short sale if PNC does not play by the same rules.  They explained that if PNC does not agree with the offer on this hardship short sale then foreclosure is imminent and they will proceed with that avenue.  In this case, PNC will not get anything.

This is PNC response:
The 1st lender cannot dictate whether or not we settle our account.  We provide the borrower with 2 options: settlement where she is not responsible for the deficiency balance or a short sale lien release only where she will be responsible for the charged off deficiency balance..

The borrower signed the deficiency agreement therefore we can offer her the lien release only option.

If the borrower wants a full settlement, the net to PNC Bank will need to be increased as we are not accepting $3,500.00.

If the net can be increased to $10,000.00, I can get it signed off on.

Comment by Kylee Roe on September 22, 2014 at 4:57pm

@Elizabeth--yes, sent in a request to 1st for re-negotiated 3k to second lien. No sense in finally getting a discharge in November, to find out I STILL have to work with the 2nd. Just want to get it done for him and everyone involved. BK trustee really botched it, and made it difficult enough. Thanks for feedback.

Comment by ElizabethWeintraub00697006LyonRE on September 22, 2014 at 4:22pm

Kylee: In my experience, it has always been easier to give the second lender after a BK some money to make them go away. An updated negotiation with the first shouldn't take more than a couple of weeks. The problem is people want short sales to make sense, and they don't alway make sense, so you do what needs to be done to close them. Being right as rain doesn't help you if it doesn't close.

Comment by Kylee Roe on September 22, 2014 at 3:58pm

@Brett. Thanks for info. I spoke to PNC BK dept. They won't reconvey while Bk is still active. Have to wait for discharge. The BK trustee messed up with a late payment to creditors. Now, two months after the final BK payment was made, it should be discharged. But because of the Trustee's mistake-now taken care of--we are still months away from discharge, and buyer waiting.  On top of all this, PNC does not HAVE to release the lien. They can't collect from the seller, but if they want to, they can keep the lien on the home. Seems easier at this point to renegotiate the 1st lien short sale and get PNC 3K, and get this done!!

Comment by Brett Goldsmith on September 19, 2014 at 1:23pm

@jeanette what type of loan is the 2nd? Call customer service at 800-523-8654 and get pointed in the right direction. If you need a short sale approval you will have to faciliate the short sale with PNC and go through a review process. If you need assistance feel free to reach out to me at 888 559 5956.,

Comment by Brett Goldsmith on September 19, 2014 at 1:20pm

@kylee if the lien was stripped you could likely just contact customer service and ask for a zero demand letter or a reconveyance letter. If that doesn't work reach out to the escalation department. If the lien was or is going to be stripped through the BK i'm not sure why you are concerned about reaching out to PNC.

Comment by Jeanette Becker on September 19, 2014 at 12:26pm

Does anyone have current information on who I can call at PNC to get a short sale approval on the 2nd?  I had a with a phone number of 937-910-4128.  I called after sending an email to him and lori explaining the situation and someone else's name was on the voice mail.  I also had a with no phone number and now I am not sure either one is a valid email address to draw attention to my nightmare of a short sale. Does anyone have additional information on who to call?  Thanks!

Comment by Kylee Roe on September 2, 2014 at 12:52pm

Need some help with a Bankruptycy and PNC on second. I have the first approved, seller in BK, but all payments complete.  Second was stripped, so PNC gets nothing, and I have a court order saying value on 2nd is $0. HOWEVER.....trustee dragging feet to get final discharge paperwork. Was supposed to be complete in late July--and this part is out of my hands.  If I get permission from PNC, I can get a court order to sell, but am afraid to contact PNC, who will then want a share of the sales price and I'll be starting at 0 days again, on another short sale negotiation, on a loan that is stripped!  How do I get PNC to send me a reconveyance or a $0 payoff? I have the court ordered $0 value paperwork. Send that to BK dept. at PNC? Thanks for your ideas?

Comment by Melissa Trimarche on March 25, 2014 at 6:43pm

Does anyone have escalation department fax or contact for PNC 2nd lien department.  We have 1st approval and unresponsive rep over there.  This was previously approved 2nd HAFA short sale, but they would not extend due to new CFPB guidelines. Long story... but we need to contact someone ASAP...


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