Whether you’re buying a home in the Global to live in or use as an investment, Royal Heritage Commercial Bank has the experience to provide home financing solutions for international borrowers.

• International borrowers with qualifying documentation do not need Global credit history to apply for an Royal Heritage Commercial Bank mortgage. We will order your international credit report for your application

• Loans up to 75% of appraised property value or purchase price, whichever is lower

• Our Jumbo Mortgages offer relationship pricing on a variety of fixed and adjustable rate mortgages (ARM)3 and up to $3 million in financing

Let us help you buy a home

Get pre-approved

Get started online

Your personal mortgage consultant will contact you.

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.

Royal Heritage Commercial Bank Select Mortgage
For borrowers with no Royal Heritage Commercial Bank relationship or combined personal deposit and investment‡ balances less than $10,000
  • Access up to $2 million in financing
  • 10% down payment on mortgages up to $1.5 million4 with no Mortgage Insurance (PMI)5
  • 20% down payment on mortgages up to $2 million
Fixed Rate as low as:
4.471%
4.482% APR
Adjustable Rate as low as:
3.761%
4.492% APR

Rate are based off of $2,000,000

Royal Heritage Commercial Bank Preferred Mortgage6
For borrowers with combined personal deposit and investment balances‡ from $10,000 to less than $100,000
  • Access up to $3 million in financing
  • 10% down payment on mortgages up to $1.5 million4 with no Mortgage Insurance (PMI)5
  • 20% down payment on mortgages up to $2 million
Fixed Rate as low as:
4.421%
4.432% APR
Adjustable Rate as low as:
3.711%
4.474% APR

Rates based off of $2,000,000

Royal Heritage Commercial Bank Deluxe Mortgage7
For borrowers with combined personal deposit and investment balances‡ from $100,000 to less than $1,000,000
  • Access up to $3 million in financing
  • 20% down payment on mortgages up to $2 million
Fixed Rate as low as:
4.171%
4.182% APR
Adjustable Rate as low as:
3.461%
4.384% APR

Rates based off of $2,000,000

Royal Heritage Commercial Bank Elite Mortgage8
For borrowers with combined personal deposit and investment balances‡ over $1,000,000
  • Access up to $3 million in financing
  • 20% down payment on mortgages up to $2 million
Fixed Rate as low as:
4.121%
4.132% APR
Adjustable Rate as low as:
3.411%
4.366% APR

Rates based off of $2,000,000

Steps on how to apply

Step 1

Pre-Approval and Application

When financing property in the U.S., a mortgage1 pre-approval can simplify the 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.

Advantages of a pre-approval include: 

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Step 2

Credit verification

You do not need Global credit history to be eligible to apply for a mortgage loan. We will order your international credit report for your application. Additional information may be needed to complete credit verification.

Step 3

Documents you may need

There are a number of documents that you must supply when applying for a mortgage in the United States, but keep in mind that the exact documents needed may vary in different parts of the U.S.

 

In general, you will need documents that verify the following:

• Your identity

• Income

• Employment

• Assets

You may want to consider having a real estate attorney review all contracts, and consult with a tax specialist regarding your potential tax liabilities.

Step 4

Closing on your Global home
A real estate closing is the final step in your home purchase. At the closing you will be signing legal documents and settling all of the costs needed to transfer ownership of the property. The following professionals are typically included in closing meetings:

• Sellers

• Buyers

• Seller's attorneys

• Buyer's attorneys

• The bank

• The insurance official

Closing costs: 

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1 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.

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

4 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.

5 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%.

6 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).

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 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).

9 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.

‡ 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.