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.
"They were awesome to work with. Ethan was on it and kept me informed"
Jesse Waddell
"It was effortless the service was unprecedented, and everything was just as I said it was gonna be very, very thrilled"
Suzanne Long
"Fast action...accurate...quick closing."
Judy Freeman
"Evan, was my second person I called when searching for a cash out loan. His patience, with explaining how his company may be just what we were looking for was impressive, extremely competitive with other lenders. The process was so much easier with his attention to detail of our goals. The closing cost were better than any other lender that I had contacted. Evan was a the kind of person I would like to have as a neighbor. Hats off to Royal United mortgage and there team."
Stanley Ward
"Great Experience."
mckin285
"Very professional. Process was easy flowing. They requested their needs and I submitted them in a timely manner which made the processing of all paperwork finished quickly. I would definitely recommend Royal Mortgage for the processing of refinancing or home equity funds."
Emma Clarke
"very good experience he made this so easy. never had anyone work this hard for us. complete ease from start to finish. great job"
dennis
"Smooth and easy I was a first time home buyer and he made sure to help me every step of the way. I couldn’t be happier that I got him to help me the this process and would definitely recommend him to anyone!"
Jon
"it has been an excellent experience the entire process and follow up by Jacob has been wonderful and surprising. he follows up and walks through the process with you and always answers any questions. my husband and i have told so many of our friends about him. he definitely is an asset to the company"
CLARA
"Great experience"
Teri O'Brien
"Danielle was excellent and very professional!"
KING JAMES BORDERS
"I was treated well as a customer and everyone was nice and very helpful with my transaction."
Anthony Outten
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.