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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General information only. Not a commitment to lend. All loans subject to credit, underwriting, and property approval. Rates and terms vary by borrower.
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.
Step 1
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 goals, credit, income, and documentation
- 2.Issue a pre-approval letter
- 3.Begin shopping for a home with your budget clear
Step 2
Move from contract to underwriting
Once you find a property, Royal United helps keep the loan organized while inspections, appraisal, and underwriting move forward.
- 1.Sign the application and purchase agreement
- 2.Schedule inspections and appraisal
- 3.Complete underwriting and provide any requested documents
Step 3
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.
*20-day average based on closed loans. Actual close times vary by loan type, borrower documentation, and property.
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.