Royal Mortgage›Loan programs
The one door
There is one place to apply, and this is it.
Takes you to our secure application site at my1003app.com.
Product depth
Every loan program. One partner.
Royal Mortgage works with a panel of lending partners and investors, so a file can go wherever it fits best. That is why the menu is this long, and why a file that stalled somewhere else is worth looking at again here.
You do not have to pick the right program before you start. One application opens all of them.
The eight doors
Press one. Everything else lives behind them.
Which door is probably yours
Find the sentence that sounds like your situation.
- I am buying, and I want to know what I can actually carryPurchase
- I already have a mortgage and I want a different oneRefinance
- I need money in stages and I do not want to touch my first mortgageHELOC
- I am older, I own most of my home, and the monthly payment is the problemReverse
- The house I want costs more than the conforming limitJumbo
- I am self-employed and my tax returns do not tell the whole storyNon-QM
- I served, or my spouse didVA
- My down payment is small or my credit is still climbingFHA
If none of those is you, that is normal, and it is not a problem. Touch the gold bubble in the corner and describe the situation in your own words — Royal Ai will point you at the right page, and a person picks it up from there.
The full menu
What one application can reach.
Agency and government
- Conventional — fixed and adjustable, primary, second home and investment
- FHA — lower down payment and more forgiving credit
- VA — for eligible veterans, service members and surviving spouses
- USDA — built for rural and suburban buyers who meet the area and income rules
Size and property type
- Jumbo and high-balance — above the conforming limit
- Condo financing — we review the project as well as the borrower, early rather than late
- Complex property — acreage, mixed-use, unique construction
- Land and construction-to-perm — one loan, one closing
Advanced solutions
- Non-QM programs — bank statement, P&L, 1099, DSCR
- Asset depletion — qualify on assets rather than paychecks
- Cross-collateralization — use equity you already own
- Low credit programs
- No-income-limit options, in the right circumstances
Equity and later life
- HELOC — a revolving line secured by the home you already own
- Cash-out refinance — a new first mortgage, larger than the old one
- Reverse — for homeowners generally 62 and older
- Renovation lending — buy it and fix it on one loan
What one application does
You apply once. The program gets chosen after we can see the real numbers.
- You apply once The same application opens every program on this page. Nobody expects you to have picked one first.
- We look at the whole picture Income, assets, credit and obligations together, before anybody talks to you about a specific loan.
- We shop our lender panel for you We take the file to the lenders on our panel whose rules already fit it. Then we explain what we found and why.
- A person signs it The machine gathers and flags. A licensed underwriter reviews and signs every decision.
- You always know the stage We ask for documents when the file needs them, not all at once on day one, and you hear from us before you have to ask.
Rates are their own subject. Bryan Royal writes the Royal Rate Review every week — market commentary on what the public data has done and what he is watching. It is commentary, not a rate quote, and not an offer of credit.