A mortgage process built around your goals, not a one-size-fits-all pitch.
Royal United combines dedicated guidance, written loan options, and an in-house process so you can understand your choices and move forward with more confidence.
The process
Three principles shape how Royal United works with borrowers.
Flip each card for more detail on what each principle looks like in practice.
*20-day average based on closed loans. Actual close times vary by loan type, borrower documentation, and property.
Your timeline
From application to close in ~20 days.
Here is what the Royal United process looks like from start to finish — and how long each step takes.
One advisor, no hand-offs
Your original loan advisor stays with you from application through closing — no transfers to a faceless team.
Dedicated processing specialist
A specialist is assigned to your file and coordinates every document — you never wonder who's working on your loan.
Transparent, regular updates
Clear file-progress updates at every stage. You're never in the dark about where your loan stands.
- 3 daysStart
Application
Your advisor reviews your goals and gathers your documentation.
- 2 days
Processing
A dedicated processing specialist is assigned exclusively to your file.
- 13 days
Approved with Conditions
The underwriter reviews your file and issues a conditional approval.
- 4 days
Approved
Conditions cleared — your loan is fully approved.
- You’re home
Closed
You sign the final documents, funding is completed, and your loan is officially closed.
*Based on internal closed-loan data. Timelines vary by loan type, documentation, and underwriting conditions.
What our clients say
Real feedback from real borrowers.
"I highly recommend Royal United Mortgage. They are very knowledgeable and professional. Christian H. Told me about the company and the options for my situation. He explained it step by step answered all my questions and it happened as he said. I was able to refinance at a reasonable rate and am grateful and Thankful for his support in helping me get what I needed."
Nancy Martinez
"Process in finding a house that fit my need and budget took a while. Royal United set me up with loan officer who guided me through the process. They helped me understand conventional loan to uSDA loans. Highly recommend."
KIMBERLY Wilson (Pudgey)
"Fantastic company….made the whole process easy…easy to contact, and provided accurate, timely information. Very very impressed…would highly recommend."
James Keegan
"Excellent service!"
Cathy Mcdaniels
"Royal United Mortgage was great to work with. The entire process was quick and easy, and everyone was very responsive. They even came to me for the closing, which made things very convenient. Overall, it was a smooth process with no problems at all. Highly recommend! Our representative Connor was awesome!"
Chris Howe
"I worked with Tessa Perry to purchase our home! She was professional, always available, and helpful throughout the process. Would recommend working with her."
Mason Strycker
"This company is great and I enjoyed working with them. The team is very helpful and helpful. They help me with all of what's I need. They're very nice and helpful. They did a great job."
Deb Green
"Quick and easy. Great to deal with."
Pat Richardson
"The person I worked with was amazing. She helped me through the whole process and was there when I had questions."
Mary StJohn
"My experience was very good, and they were on top of averting"
Steven Hartman
"I experience was very good. I was very happy and working with Meredith was a real pleasure."
carol widdowson
"Very helpful and pleasant service."
guy clauson
Written loan options
Review your options in writing before you decide.
Your loan advisor walks you through clear, written loan options so you can compare choices, ask better questions, and choose the path that fits you best.