Buy with clearer guidance from pre-approval to closing.
Whether you are buying your first home or making your next move, Royal United helps you understand your options, get pre-approved, and move toward closing with less guesswork.
See your loan options
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Tell us how to reach you and what you're looking to accomplish.
General information only. Not a commitment to lend. All loans are subject to credit, underwriting, and property approval.
What to expect
A process built to keep the next step clear.
The purchase process starts before an offer is signed, then moves through underwriting and closing with a structure designed to keep your timeline organized.
Get prepared before you shop
The earliest work is about getting clear on budget, documentation, and pre-approval so you can search with more confidence.
- 1.Review your short- and long-term homeownership goals
- 2.Review credit and file strength
- 3.Review income and asset documentation
- 4.Issue a pre-approval letter
- 5.Begin shopping for a home
Move from contract to underwriting
Once you find the right property, Royal United helps keep the loan side organized while inspections, appraisal, and underwriting move forward.
- 1.Sign the application electronically
- 2.Sign the purchase agreement
- 3.Schedule inspections and appraisal
- 4.Complete initial underwriting
- 5.Provide additional documents if needed
Close and take ownership
The last phase is focused on final approval, closing coordination, and getting to the finish line without avoidable confusion.
- 1.Receive loan approval and confirm the closing date
- 2.Sign closing paperwork at the title company
- 3.Get the keys to your new home
Ready to review your options with a loan expert?
How Royal United works
The same principles carry through every loan conversation.
Goals First, Then Money
Royal United starts with what you want to accomplish so the recommendation is shaped around your priorities, not a one-size-fits-all pitch.
One Trusted Loan Advisor
You work with one advisor who keeps the conversation clear, provides written options, and helps you understand what comes next.
In House, On Time
In-house processing helps reduce handoff friction and keep the loan moving with tighter communication across the team.
Explore other paths
Compare the other loan options Royal United supports.
Cash Out Refinance
Cash-out refinance can help you use built-up equity for major goals while reviewing whether a new mortgage structure still works for your payment, timeline, and long-term plans.
Home Equity Loan
A home equity loan can help you fund major goals without replacing your current first mortgage. It is not the best fit for every situation, which makes a side-by-side comparison with a loan advisor especially important.
Home Refinance
Refinancing can help lower a payment, shorten a term, remove mortgage insurance, or access equity depending on the structure that best fits your current goals. Royal United focuses on helping you compare those tradeoffs clearly before you decide.
Ready to review your next step?
Ready to get pre-approved and start your home search with a clearer picture?
Royal United can help you understand your budget, get pre-approved, and review written loan options before you're under contract — so the process feels less reactive.