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Mortgage Loans

Your Dream Home Made Possible

 
We understand homeownership is a big step towards achieving The American Dream, so at Royal Business Bank, we offer a variety of fixed and adjustable-rate mortgage programs. Our loan programs offer competitive rates and accommodating qualification options. Regardless of what your financial situation is now, we are willing to assist you in finding the best loan for your specific scenario.

Royal Business Bank has products designed specifically for individuals, families, and businesses with unique ways for qualifying income.
ROYAL BUSINESS BANK Portfolio

Who should choose this?
 
Potential homeowners who are looking for an alternative form of financing option with the intention to purchase or refinance their primary residence, second home or investment property.
 
Features and Benefits
  • Alternative income documentation2
  • Flexible qualification options available
  • Competitive rates with fixed and adjustable rate plan options

Conventional Fixed-Rate
Mortgage
Who Should Choose This?

Potential homeowners or homeowners who are ready to provide conventional income documentation for a lower interest rate

Features and Benefits
  • Fixed payment for the life of the loan
  • Competitive rates
  • Protects homeowners from rising interest rates

Affordable Housing
Portfolio Product 1, 3
Who Should Choose This?

Potential homeowners or homeowners with an income that qualifies Low or Moderate level of the area where property is located
OR
Potential homeowners or homeowners who intend to purchase or refinance a property that is in Low or Moderate Tract Area


Features and Benefits
  • Flexibility to allow for higher debt to income ratio
  • Lower FICO requirement
  • Use of non-traditional credit such a rent and utility bills to demonstrate good credit history
  • Competitive rates
  • Lender credit for closing cost4

foreign national1
Who should choose this?

Foreign Nationals interested in purchasing or refinancing a second home or investment property in the U.S.
 
Features and Benefits
  • Adjustable rates
  • Competitive rates

























For more information or to apply,
please visit any of our local branches today or contact one of our licensed mortgage loan originators.

If you are having financial difficulty, please click here. 
 
 
Note:  No prepayment penalty on the above mortgage plans

¹Restrictions and limitations apply.
2The interest rate on your loan will be higher than a conventional loan and the Loan to Value (LTV) requirement will be stricter.
3Subject to area median income restrictions.
4Applies to low income borrowers or borrowers purchasing or refinance a property in a low income area determined by the census track. Lender fees include discount points, origination fees, appraisal fees, credit report fees, flood determination fee, tax service and escrow/closing fees (lesser of the total closing cost, 3% of the loan amount or $5,000).