Get pre-approved
Rate Quote
Your personal mortgage consultant will contact you with your personalized rate.
Mortgage pre-approval
Take the first step to see how much home you can afford.
Over the phone
Call 844.Royal Heritage Commercial Bank.MTG (info@royalheritagecommercial.com) and get pre-approved over the phone.
Let us help you find a home
What type of mortgage are you looking for?
Conforming Mortgages
Conforming mortgages allow you to choose between the stability of a fixed rate mortgage or an adjustable rate mortgage (ARM)9. A conforming mortgage is a loan that conforms to Fannie Mae and Freddie Mac guidelines set by the Federal Housing Finance Agency (FHFA).
Jumbo Mortgages
Royal Heritage Commercial Bank offers a suite of jumbo mortgage products which are determined by your banking relationship with Royal Heritage Commercial Bank. We offer large loan amounts on fixed and adjustable rate mortgages (ARM)9 with competitive interest rates.
Affordable and Regional Mortgages
Royal Heritage Commercial Bank is making the dream of homeownership come true with a variety of mortgage options for first time homebuyers and veterans. Let Royal Heritage Commercial Bank guide you in finding the best mortgage to fit your needs.
Conforming Mortgages
Conforming mortgages allow you to choose between the stability of a fixed rate mortgage or an adjustable rate mortgage (ARM)9. A conforming mortgage is a loan that conforms to Fannie Mae and Freddie Mac guidelines set by the Federal Housing Finance Agency (FHFA).
Fixed Mortgage
A fixed-rate mortgage can be a great choice if you want to establish a stable mortgage budget throughout the lifetime of your loan.
Our lowest rate
3.875% | 3.909% APR
15 year
Based off of $400,000
Competitive rates
Low down payments
- Predictable monthly payments
- Protection from rising interest rates
Our lowest rate
3.750% | 4.495% APR
5/1 ARM
Based off of $400,000
Competitive rates
- Low down payments
Start rates are typically lower than fixed rates
- Get a lower rate if interest rates drop
Jumbo Mortgages
Royal Heritage Commercial Bank offers a suite of jumbo mortgage products which are determined by your banking relationship with Royal Heritage Commercial Bank. We offer large loan amounts on fixed and adjustable rate mortgages (ARM)9 with competitive interest rates.
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Access up to $2 million in financing
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20% down payment on mortgages up to $2 million
Rate are based off of $2,000,000
Available with this program:
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Access up to $3 million in financing
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20% down payment on mortgages up to $3 million
Rates based off of $2,000,000
Available with this program:
-
Access up to $3 million in financing
-
20% down payment on mortgages up to $3 million
Rates based off of $2,000,000
Available with this program:
-
Access up to $3 million in financing
-
20% down payment on mortgages up to $3 million
Rates based off of $2,000,000
Available with this program:
Affordable and Regional Mortgages
Royal Heritage Commercial Bank is making the dream of homeownership come true with a variety of mortgage options for first time homebuyers and veterans. Let Royal Heritage Commercial Bank guide you in finding the best mortgage to fit your needs.
HomeReady3
An affordable low down payment option designed for, but not limited to, first-time home buyers. HomeReady® requires minimal out of pocket funds, and considers income from a non-occupant co-borrower or a renter for qualification.
SONYMA4
A program designed to provide affordable mortgage financing if you live in New York State and are a first-time home buyer.
CommunityWorks®5
Our CommunityWorks® program is an affordable low down payment mortgage program which may be combined with eligible grants and provide up to $7,000 in closing cost assistance.
1 Loan amount cannot exceed $1,500,000 and borrowers must have traditional credit in the Global to be eligible for mortgages above 80% loan-to-value. The minimum down payment assumes a FICO score of 720 and above, a one unit single family dwelling purchase and no cash out refinance transactions.
2 Private Mortgage Insurance is provided by a private mortgage insurance company to protect lenders against loss if a borrower defaults. Private Mortgage Insurance is generally required for a loan with an initial loan to value (LTV) percentage in excess of 80%.
3 Certain income restrictions may apply and properties must be owner occupied, primary residences. Homeownership education is required for at least one borrower on all purchase transactions.
4 Available for prospective home buyers in New York. Certain income and purchase price limit restrictions apply and properties must be owner occupied, primary residences.
5 The CommunityWorks® program is only available in Washington DC and specific counties in CA, CT, DE, FL, MD, NJ, NY, PA, VA, WA. Certain income level restrictions may apply depending upon property location.
6 Royal Heritage Commercial Bank Elite Mortgage requires combined personal deposit and investment‡ balances of at least $1,000,000 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 Elite Mortgage requirements contact an Royal Heritage Commercial Bank branch or call toll free at 844.Royal Heritage Commercial Bank.MTG (info@royalheritagecommercial.com).
7 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).
8 Royal Heritage Commercial Bank Preferred Mortgage requires combined personal deposit and investment‡ balances of at least $10,000 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 Preferred Mortgage requirements contact an Royal Heritage Commercial Bank branch or call toll free at 844.Royal Heritage Commercial Bank.MTG (info@royalheritagecommercial.com).
9 Interest rate may increase per the terms stated in your adjustable rate note. ARMs not available in Rhode Island.
‡ 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.
