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.
"Ive been in circles trying to find a refinance for my home. I was contacted by Royal Finance. Jake helped me in record time! He was so kind and helpful. Ive never had such prompt service, every question answered, quality professionalism in ANY Mortgage company! Jake was the very best. If you are looking to refinance, this is the very best company to use. I highly recommend! And ask for Jake! 🙂"
Clubcoco2005
"I was impressed by the professionalism of my loan representative Alex made sure everything was correct and advanced perfectly Glad it all went smooth"
Ginger Sanders
"My refinancing situation was different from most because I was refinancing a USDA loan from several years ago. Royal United walked me through everything I needed to do, answered all of my questions, and made what could have been a confusing and daunting task a bearable one."
Kevin C. Holland
"Our experience with Seth and the entire company and all the hard work that were put into a great experience. I would highly recommend this mortgage company to anybody"
Mark Brown
"Everyone was very helpful, explained things in a way I could understand. Guided me every step of the way."
Roberta Wilson
"Quick and easy, friendly, had no problems getting the $ I needed."
Robert Everly
"Great experience! Thank you"
gailwonit
"It was great working with the people at Royal United Mortgage. Everyone was very nice and professional. They answered all my questions and explained everything in detail. I highly recommend Royal United Mortgage for all your loan needs."
Brian Greene
"Keven and Cam were excellant in assisting my husband and I on refinancing our home. We would highly recommend Royal United and especially Cam & Kevin !!!"
Donna “Jack&Donna” Hallock
"Worked with me all the way just like a copy of the mortgage"
Donna Denevan
"Great communication in keeping me informed throughout my loan process."
Donna Shepherd
"It all started with a call and everyone having the patience to answer all of my questions without any pushing to do business. After being won over Ty was incredible and handled all of my needs. During the process others were introduced to help with my case and let me tell you Royal United has an excellent team representing their clients. Everyone was on top of everything. Made my experience smooth. Forever greatful!! Thank you all!"
Veronica Villegas
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.