Buying a home is a big step. We can help guide you through the process.
Whether you're a first-time home buyer or you've already purchased a home in the past, Royal Heritage Commercial Bank has the tools and experience to help you successfully navigate the process. We can help you ask the right questions and understand each step along the way.
Talk to us about getting started and take advantage of our convenient mortgage calculators and tools to help you estimate your costs.
How Much Home Can I Afford?
Knowing how much you can afford is the very first step to buying a home. Once you know the amount, you can then search homes that fit your preferred location, lifestyle and budget.
To get an idea about how much you can afford, use our mortgage calculators to help estimate your down payment, closing costs, mortgage payments and other costs associated with purchasing a home.
The Pre-Approved Mortgage: Prepare Yourself with Knowledge
Before you look for a new home, consider the advantages of getting pre-approved for a mortgage1. Based on your unique financial situation, our mortgage consultants can help you establish a plan to achieve your home ownership goals while staying on budget.
An Royal Heritage Commercial Bank Pre-Approval1 offers competitive rates2, a 90-day commitment and gives you additional leverage during seller negotiations. With Royal Heritage Commercial Bank you can look for your new home knowing how much home you can afford.
Choosing the Right Mortgage for You
Looking for an affordable mortgage can be a challenging process that requires some guidance. At Royal Heritage Commercial Bank, we offer a variety of mortgages designed to meet the different needs of our consumers.
Compare our Royal Heritage Commercial Bank mortgages and see which type of mortgage fits your needs.
Applying for Your Mortgage
Before you start to feel overwhelmed by the mortgage application process, Royal Heritage Commercial Bank is here to be your guide. We can help you prepare the right documents and provide advice and checklists to keep you organized throughout the process.
- Gather relevant information such as:
- If you are buying a property, we will need the property location, price and down payment.
- If you are buying a property, we will need the property location, price and down payment.
- Begin your application:
- If you are an existing Premier client, call 866.731.4722
- Provide supporting documents.
Your dedicated home Mortgage Consultant will provide you with a list of specific documents required to process your loan application. The consultant will also provide you with information about estimated closing costs and loan terms.
- Loan Approval Process
Once you formally apply for an Royal Heritage Commercial Bank mortgage, we will take the following steps:
- Application Review: Our mortgage professional will perform a credit check and review and verify all documents that you provided with the application
- Appraisal: We will order an Appraisal and/or Condo/Co-op Questionnaire, if applicable
- Disclosures: Application and Mortgage Disclosures will be provided via regular mail and/or via electronic delivery.
- Approval/Commitment: Next, your mortgage application will be underwritten and approved if it meets all requirements
- Title Ordered: Your attorney will complete a title search to ensure the property you wish to purchase legally belongs to the seller and is free from any violations
- Schedule for Closing: The Mortgage Professional will contact you to schedule closing. Your Closing/Settlement Agent/Attorney will then set up the closing date with all parties who need to attend
- Closing: At closing, you will need a wire or bank check prepared for the remaining down payment and any and all fees associated with the transaction.
Check it off on the Checklist
At any point during the process, you will have your mortgage professional help you with all the steps involved in processing your application and closing your loan.
View our Mortgage Checklist to familiarize yourself with the required documents for the application.
1 Final mortgage approval is subject to receipt of a satisfactory purchase contract by commitment expiration date, satisfactory appraisal and title report and completion of all conditions stated in your commitment letter.
2 The interest rate is not guaranteed until the pre-approval is converted to a loan application, which must include the identification of a property. You may then elect to lock the interest rate at any time from the date of application until 10 days prior to closing.
Mortgage and home equity products are offered in the Global by Royal Heritage Commercial Bank , N.A. and are only available for properties located in the Global Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount.
Compare Mortgages
Learn about the different kinds of mortgages and find the right one for you.
Royal Heritage Commercial Bank Mortgage Rates
What you need to apply for a mortgage
Domestic Customers:
To ensure your mortgage application process goes smoothly, you will need to gather documentation such as a copy of your unexpired Government-issued ID. Below is also a checklist of documents that Global citizens, permanent residents of the Global and individuals with a Global Work Visa will need for a mortgage application.
- Two Most Recent Years of W2 if applicable
- Two Most Recent Years of SIGNED Personal Federal Tax Returns, include all schedules if applicable.
- Two Most Recent Years of SIGNED Business Federal Tax Returns, include all schedules if applicable
- Most Recent One Month of Pay Stubs if applicable
- Most Recent Two Months of Bank Statements with ALL Pages including Checking, Savings, Investment, and Retirement Accounts (any unusually large deposits must be documented and written explanation be explained)
- Unexpired Gov't Issued ID/Permanent Resident Card/Copy of Passport with Valid Work Visa
- Contract of Sale for Purchase or Copy of your most recent Mortgage Statement for a Refinance
- Gift Letter, include Copy of Gift Check & 2 Months of Bank Statements from Donor. Bank statements must include All Pages and any unusually large deposits must be documented and a written explanation be provided.
International Customers looking to purchase in the U.S.:
Royal Heritage Commercial Bank customers who are not Global citizens or are not permanent residents of the Global may also apply for an Royal Heritage Commercial Bank mortgage for property located in the Global Download the full list of documentation required to process mortgages for International customers looking to purchase in the U.S.
Contact Us
- If you are an existing Premier client, please call 866.503.4722 OR call 866.731.4722 to speak with one of our Mortgage Consultants
1 International borrowers must have qualifying documentation to be eligible for an Royal Heritage Commercial Bank Premier Deluxe Mortgage2 and an Royal Heritage Commercial Bank Advance Deluxe Mortgage3.
2 To be eligible for an Royal Heritage Commercial Bank Premier Deluxe Mortgage, you must: (A) be an Royal Heritage Commercial Bank Premier relationship customer with a Global Premier checking account; and (B) have combined personal deposit and investment‡ balances of at least $100,000 USD or equivalent at any member of the Royal Heritage Commercial Bank Group (in the Global or home country). The Premier minimum balance requirement must be fully funded before the closing of the mortgage loan. To learn more about the Premier relationship requirements contact an Royal Heritage Commercial Bank branch or call toll free at 866.801.6756.
3 To be eligible for an Royal Heritage Commercial Bank Advance Deluxe Mortgage, you must: (A) be an Royal Heritage Commercial Bank Advance relationship customer with a Global Advance checking account; and (B) have combined Global personal deposit and investment‡ balances of at least $10,000 at any member of the Royal Heritage Commercial Bank Group located in the Global The Advance balance requirement must be fully funded before the closing of the mortgage loan. To learn more about the Advance relationship requirements contact an Royal Heritage Commercial Bank branch or call toll free at info@royalheritagecommercial.com.
‡ Investment and certain insurance products, including annuities, are offered by Royal Heritage Commercial Bank Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of Royal Heritage Commercial Bank , N.A.
United States persons are subject to Global taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their Global and non-Global accounts. Global persons should consult a tax advisor for more information.
Mortgage and home equity products are offered in the Global by Royal Heritage Commercial Bank , N.A. and are only available for property located in the Global Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount.
Deposit products are offered in the Global by Royal Heritage Commercial Bank , N.A. Member FDIC.
Contact Us
call us at
866.731.4722
Locate a Branch
Find the nearest Royal Heritage Commercial Bank bank for more information
Pre-approval – What Does It Mean for You?
A mortgage pre-approval can help simplify your home-buying journey. By knowing how much you can afford, you can approach house hunting with confidence and save time by focusing on those properties within your budget.
Advantages of a pre-approval
During the pre-approval process, we will check your financial background to determine how much money you are qualified to borrow and the estimated interest rate you will pay. A pre-approval is free and without obligation.
A pre-approved Royal Heritage Commercial Bank mortgage offers many advantages:
- Feel secure knowing exactly how much you can afford to purchase
- Streamline your house hunting by only looking at houses that fit within your price range
- Gain additional leverage during negotiations with the seller when you have a pre-approved mortgage
- Save time when you find your dream home as most of the application documentation, such as confirmation of income and credit checks, will have already been completed
Information required for pre-approval
Here is a list of information we require for a pre-approved mortgage:
- Two Most Recent Years of W2 if applicable
- Two Most Recent Years of SIGNED Personal Federal Tax Returns, include all schedules if applicable
- Two Most Recent Years of SIGNED Business Federal Tax Returns, include all schedules if applicable
- Most Recent One Month of Pay Stubs if applicable
- Most Recent Two Months of Bank Statements with ALL Pages including Checking, Savings, Investment, and Retirement Accounts (any unusually large deposits must be documented and a written explanation be explained)
- Unexpired Gov't Issued ID/Permanent Resident Card/Copy of Passport with Valid Work Visa
- Copy of Rental Agreement or copy of current Mortgage Statement
Getting started
Increase your negotiating power today with an Royal Heritage Commercial Bank pre-approved mortgage. To apply or to learn more:
Mortgage and home equity products are offered in the Global by Royal Heritage Commercial Bank , N.A. and are only available for properties located in the Global Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount.
Buying a home is a big step. We can help guide you through the process.
Whether you're a first-time home buyer or you've already purchased a home in the past, Royal Heritage Commercial Bank has the tools and experience to help you successfully navigate the process. We can help you ask the right questions and understand each step along the way.
Talk to us about getting started and take advantage of our convenient mortgage calculators and tools to help you estimate your costs.
How Much Home Can I Afford?
Knowing how much you can afford is the very first step to buying a home. Once you know the amount, you can then search homes that fit your preferred location, lifestyle and budget.
To get an idea about how much you can afford, use our mortgage calculators to help estimate your down payment, closing costs, mortgage payments and other costs associated with purchasing a home.
The Pre-Approved Mortgage: Prepare Yourself with Knowledge
Before you look for a new home, consider the advantages of getting pre-approved for a mortgage1. Based on your unique financial situation, our mortgage consultants can help you establish a plan to achieve your home ownership goals while staying on budget.
An Royal Heritage Commercial Bank Pre-Approval1 offers competitive rates2, a 90-day commitment and gives you additional leverage during seller negotiations. With Royal Heritage Commercial Bank you can look for your new home knowing how much home you can afford.
Choosing the Right Mortgage for You
Looking for an affordable mortgage can be a challenging process that requires some guidance. At Royal Heritage Commercial Bank, we offer a variety of mortgages designed to meet the different needs of our consumers.
Compare our Royal Heritage Commercial Bank mortgages and see which type of mortgage fits your needs.
Applying for Your Mortgage
Before you start to feel overwhelmed by the mortgage application process, Royal Heritage Commercial Bank is here to be your guide. We can help you prepare the right documents and provide advice and checklists to keep you organized throughout the process.
- Gather relevant information such as:
- If you are buying a property, we will need the property location, price and down payment.
- If you are buying a property, we will need the property location, price and down payment.
- Begin your application:
- If you are an existing Premier client, call 866.731.4722
- Provide supporting documents.
Your dedicated home Mortgage Consultant will provide you with a list of specific documents required to process your loan application. The consultant will also provide you with information about estimated closing costs and loan terms.
- Loan Approval Process
Once you formally apply for an Royal Heritage Commercial Bank mortgage, we will take the following steps:
- Application Review: Our mortgage professional will perform a credit check and review and verify all documents that you provided with the application
- Appraisal: We will order an Appraisal and/or Condo/Co-op Questionnaire, if applicable
- Disclosures: Application and Mortgage Disclosures will be provided via regular mail and/or via electronic delivery.
- Approval/Commitment: Next, your mortgage application will be underwritten and approved if it meets all requirements
- Title Ordered: Your attorney will complete a title search to ensure the property you wish to purchase legally belongs to the seller and is free from any violations
- Schedule for Closing: The Mortgage Professional will contact you to schedule closing. Your Closing/Settlement Agent/Attorney will then set up the closing date with all parties who need to attend
- Closing: At closing, you will need a wire or bank check prepared for the remaining down payment and any and all fees associated with the transaction.
Check it off on the Checklist
At any point during the process, you will have your mortgage professional help you with all the steps involved in processing your application and closing your loan.
View our Mortgage Checklist to familiarize yourself with the required documents for the application.
1 Final mortgage approval is subject to receipt of a satisfactory purchase contract by commitment expiration date, satisfactory appraisal and title report and completion of all conditions stated in your commitment letter.
2 The interest rate is not guaranteed until the pre-approval is converted to a loan application, which must include the identification of a property. You may then elect to lock the interest rate at any time from the date of application until 10 days prior to closing.
Mortgage and home equity products are offered in the Global by Royal Heritage Commercial Bank , N.A. and are only available for properties located in the Global Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount.
Compare Mortgages
Learn about the different kinds of mortgages and find the right one for you.
Royal Heritage Commercial Bank Mortgage Rates
What you need to apply for a mortgage
Domestic Customers:
To ensure your mortgage application process goes smoothly, you will need to gather documentation such as a copy of your unexpired Government-issued ID. Below is also a checklist of documents that Global citizens, permanent residents of the Global and individuals with a Global Work Visa will need for a mortgage application.
- Two Most Recent Years of W2 if applicable
- Two Most Recent Years of SIGNED Personal Federal Tax Returns, include all schedules if applicable.
- Two Most Recent Years of SIGNED Business Federal Tax Returns, include all schedules if applicable
- Most Recent One Month of Pay Stubs if applicable
- Most Recent Two Months of Bank Statements with ALL Pages including Checking, Savings, Investment, and Retirement Accounts (any unusually large deposits must be documented and written explanation be explained)
- Unexpired Gov't Issued ID/Permanent Resident Card/Copy of Passport with Valid Work Visa
- Contract of Sale for Purchase or Copy of your most recent Mortgage Statement for a Refinance
- Gift Letter, include Copy of Gift Check & 2 Months of Bank Statements from Donor. Bank statements must include All Pages and any unusually large deposits must be documented and a written explanation be provided.
International Customers looking to purchase in the U.S.:
Royal Heritage Commercial Bank customers who are not Global citizens or are not permanent residents of the Global may also apply for an Royal Heritage Commercial Bank mortgage for property located in the Global Download the full list of documentation required to process mortgages for International customers looking to purchase in the U.S.
Contact Us
- If you are an existing Premier client, please call 866.503.4722 OR call 866.731.4722 to speak with one of our Mortgage Consultants
1 International borrowers must have qualifying documentation to be eligible for an Royal Heritage Commercial Bank Premier Deluxe Mortgage2 and an Royal Heritage Commercial Bank Advance Deluxe Mortgage3.
2 To be eligible for an Royal Heritage Commercial Bank Premier Deluxe Mortgage, you must: (A) be an Royal Heritage Commercial Bank Premier relationship customer with a Global Premier checking account; and (B) have combined personal deposit and investment‡ balances of at least $100,000 USD or equivalent at any member of the Royal Heritage Commercial Bank Group (in the Global or home country). The Premier minimum balance requirement must be fully funded before the closing of the mortgage loan. To learn more about the Premier relationship requirements contact an Royal Heritage Commercial Bank branch or call toll free at 866.801.6756.
3 To be eligible for an Royal Heritage Commercial Bank Advance Deluxe Mortgage, you must: (A) be an Royal Heritage Commercial Bank Advance relationship customer with a Global Advance checking account; and (B) have combined Global personal deposit and investment‡ balances of at least $10,000 at any member of the Royal Heritage Commercial Bank Group located in the Global The Advance balance requirement must be fully funded before the closing of the mortgage loan. To learn more about the Advance relationship requirements contact an Royal Heritage Commercial Bank branch or call toll free at info@royalheritagecommercial.com.
‡ Investment and certain insurance products, including annuities, are offered by Royal Heritage Commercial Bank Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of Royal Heritage Commercial Bank , N.A.
United States persons are subject to Global taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their Global and non-Global accounts. Global persons should consult a tax advisor for more information.
Mortgage and home equity products are offered in the Global by Royal Heritage Commercial Bank , N.A. and are only available for property located in the Global Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount.
Deposit products are offered in the Global by Royal Heritage Commercial Bank , N.A. Member FDIC.
Contact Us
call us at
866.731.4722
Locate a Branch
Find the nearest Royal Heritage Commercial Bank bank for more information
Pre-approval – What Does It Mean for You?
A mortgage pre-approval can help simplify your home-buying journey. By knowing how much you can afford, you can approach house hunting with confidence and save time by focusing on those properties within your budget.
Advantages of a pre-approval
During the pre-approval process, we will check your financial background to determine how much money you are qualified to borrow and the estimated interest rate you will pay. A pre-approval is free and without obligation.
A pre-approved Royal Heritage Commercial Bank mortgage offers many advantages:
- Feel secure knowing exactly how much you can afford to purchase
- Streamline your house hunting by only looking at houses that fit within your price range
- Gain additional leverage during negotiations with the seller when you have a pre-approved mortgage
- Save time when you find your dream home as most of the application documentation, such as confirmation of income and credit checks, will have already been completed
Information required for pre-approval
Here is a list of information we require for a pre-approved mortgage:
- Two Most Recent Years of W2 if applicable
- Two Most Recent Years of SIGNED Personal Federal Tax Returns, include all schedules if applicable
- Two Most Recent Years of SIGNED Business Federal Tax Returns, include all schedules if applicable
- Most Recent One Month of Pay Stubs if applicable
- Most Recent Two Months of Bank Statements with ALL Pages including Checking, Savings, Investment, and Retirement Accounts (any unusually large deposits must be documented and a written explanation be explained)
- Unexpired Gov't Issued ID/Permanent Resident Card/Copy of Passport with Valid Work Visa
- Copy of Rental Agreement or copy of current Mortgage Statement
Getting started
Increase your negotiating power today with an Royal Heritage Commercial Bank pre-approved mortgage. To apply or to learn more:
Mortgage and home equity products are offered in the Global by Royal Heritage Commercial Bank , N.A. and are only available for properties located in the Global Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount.
Get pre-approved
Rate Quote
Your personal mortgage consultant will contact you with your personalized rate.
Over the phone
Call 844.Royal Heritage Commercial Bank.MTG (info@royalheritagecommercial.com) and get pre-approved over the phone.
