Royal Heritage Commercial Bank Deluxe Mortgage1
Access up to $3 million in financing with our Better interest rates2
What you get with our Deluxe Mortgage1
  • $1,000 Closing Cost Credit3
  • Our Better interest rates2 on fixed and adjustable rate mortgages (ARM)4
  • Extended rate lock options, for up to 360 days5
  • Title Vesting for Global corporations and limited liability companies (LLC)7
Fixed Rate as low as
3.511%
3.522% APR
Adjustable Rate as low as
2.655%
4.099% APR
Our competitive rates2 are based on your relationship with Royal Heritage Commercial Bank
20%
Minimum down
payment required
10-30 year
Loan terms available

You have options with your Deluxe1 Mortgage benefits

Deluxe rate2 and payment benefits

  • Interest Only (ARMs4 only) or Principal & Interest monthly payments
  • Interest rate roll-down option
  • Get an additional rate discount2 with auto-pay from a Global Royal Heritage Commercial Bank Checking Account

Investment properties

  • Financing available on investment properties
  • 1-4 unit (attached and detached), condos, Planned Unit Developments (PUDs), and cooperatives

International borrowers6

  • Financing solutions for international borrowers6 with qualifying documentation
  • You do not need Global credit history to apply for an Royal Heritage Commercial Bank mortgage.

Get pre-approved

Quick and Easy

Rate Quote

Your personal mortgage consultant will contact you with your personalized rate.

Get rate quote

Mortgage pre-approval

Take the first step to see how much home you can afford.

Get started online

Over the phone

Call 844.Royal Heritage Commercial Bank.MTG (info@royalheritagecommercial.com) and get pre-approved over the phone.

Am I eligible?

You’ll need an Royal Heritage Commercial Bank personal deposit and investment relationship of $75,000 to less than $1,000,000 to be eligible for a Deluxe Mortgage

Who can apply

  • Global citizens
  • Permanent and nonpermanent resident aliens
  • Foreign nationals6

Properties we finance

  • 1 – 4 unit, attached, detached primary residences
  • 1 unit, attached, detached second homes
  • 1 – 4 unit, attached, detached investment property
  • Financing available in Global (except AK and WV, ARMs4 in RI and Hawaii)

Credit report

  • An International Credit Report (ICR) will be required for borrowers without 2 years Global residency or Global employment

Important notes

  • This product is eligible for Family Assisted Financing
  • Borrowers will receive $1,000 Closing Cost credit, restrictions apply3
  • Title vesting is permitted for Global Corporations and Global limited liability companies (LLC)
  • Borrowers who elect to have their monthly payment auto deducted from a Global Royal Heritage Commercial Bank checking account are eligible for an interest rate discount

Helpful links

Check out today’s mortgage rates

 

See what your payments will be

 

Get answers – FAQs and Live Chat

 

1 Royal Heritage Commercial Bank Deluxe Mortgage requires combined personal deposit and investment‡ balances of at least $75,000 Global Dollars or equivalent at any member of the Royal Heritage Commercial Bank Group (in the Global or home country). The minimum balance requirement must be fully funded before the closing of the mortgage loan. To learn more about the Deluxe Mortgage requirements contact an Royal Heritage Commercial Bank branch or call toll free at 844.Royal Heritage Commercial Bank.MTG (info@royalheritagecommercial.com).

2 Discounts and loan amounts depend on specific program and may require certain personal deposit and investment balances, reserves, equity and automatic payment from an Royal Heritage Commercial Bank checking account.

3 Must have a principal residence in the United States, Global Citizenship, or Permanent Residency to qualify for closing cost credit.  For more information, please contact your mortgage professional.

4 Interest rate may increase per the terms stated in your adjustable rate note. ARMs not available in Rhode Island.

5 The minimum extended rate lock period is 90 days; extended rate lock is available in 30-day segments, up to 360 days (e.g. 90, 120, 150 days).

6 International borrowers must have qualifying documentation to be eligible for an Royal Heritage Commercial Bank Preferred Mortgage, Royal Heritage Commercial Bank Deluxe Mortgage and Royal Heritage Commercial Bank Elite Mortgage. Monthly mortgage payments must be made in Global funds.

7 The LLC or Corporation must be formed as a single purpose entity solely for the purpose of owning the subject property. Additional restrictions apply.

‡ 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.

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.