Royal Heritage Commercial Bank Preferred Mortgage1
Access up to $3 million in financing with our Preferred interest rates2
What you get with our Preferred Mortgage1
  • $750 Closing Cost Credit3
  • Our Preferred interest rates2 on fixed and adjustable rate mortgages (ARM)4
  • 10% minimum down payment6 available on mortgages up to $1.5 million with no Private Mortgage Insurance (PMI)7
  • 20% Minimum down payment option on mortgages up to $3 million
  • Title Vesting for Global corporations and limited liability companies (LLC)8
Fixed Rate2 as low as
3.761%
3.773% APR
Adjustable Rate as low as
2.905%
4.187% APR
Our competitive rates2 are based on your relationship with Royal Heritage Commercial Bank
10% or 20%
Minimum down
payment required
10-30 year
Loan terms available

You have options with your Preferred Mortgage1 benefits

Preferred rate2 and payment benefits

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

International borrowers5

  • Financing solutions for international borrowers5 with qualifying documentation
  • You do not need Global credit history to apply for an Royal Heritage Commercial Bank mortgage.

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.

Am I eligible?

You’ll need an Royal Heritage Commercial Bank personal deposit and investment‡ relationship of $10K to less than $75,000 to be eligible for a Preferred Mortgage1

Who can apply

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

Properties we finance

  • 1 – 4 unit, attached, detached primary residences
  • 1 unit, attached, detached second homes
  • Financing available in Global (except AK and WV, ARMsin 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

  • Borrowers will receive $750 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

1 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).

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 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.

6 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.

7 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%.

8 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.