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Loan Options

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Fixed-Rate Mortgages

Fixed-rate mortgages are probably the most common type of mortgage. You are able to lock into a set interest rate which results in monthly mortgage payments that remain the same for the entire life of the loan.
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FHA Home Loans

The FHA (Federal Housing Administration) home loan is one of several government-insured loans. The FHA doesn’t lend money directly to home buyers; they insure lenders against losses that may occur from client default. Because of this, lenders have less strict requirements for borrowers.
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Conventional Mortgages

A conventional mortgage refers to a loan that is not insured or guaranteed by the federal government. A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac. It may have either a fixed or adjustable rate. The maximum limit for a conforming loan depends on the county and state you live in.
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VA Home Loans

VA helps Service members, Veterans, and eligible surviving spouses become homeowners. As part of their mission to serve you, VA provides a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.
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Adjustable Rate Mortgage (ARM)

An adjustable rate mortgage (ARM) is a type of mortgage loan with specific rate terms. An ARM is usually initially fixed for a set period of time, followed by periodic adjustments according to a specific benchmark.
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Reverse Mortgages

A “reverse mortgage” allows people who are 62 and older to draw upon their home equity in order to receive a lump sum of money, a line of credit, or monthly income (or a combination of these), without having to pay back the loan until they die, move, sell the home, or breach the loan agreement.
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Renovation Mortgage 203(k)

Section 203(k) insurance enables homebuyers and homeowners to finance both the purchase (or refinancing) of a house and the cost of its rehabilitation through a single mortgage or to finance the rehabilitation of their existing home.
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Mortgage Refinancing

If you are a homeowner, you may have considered refinancing your current mortgage. Refinancing can offer many advantages to help you meet your financial goals. If you are just starting to look into refinancing, or have been thinking about it for a while, here are three benefits that you should consider.
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Jumbo Mortgages

If you’re looking to buy an expensive home and need a large loan amount, a Jumbo Mortgage could be the right option for you. Jumbo Mortgages exceed the conforming limit on loans set by Fannie Mae and Freddie Mac.
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USDA Home Mortgages

Officially known as the Section 502 Single Family Housing Guaranteed Loan Program, the USDA loan is a $0 down mortgage option available to rural and suburban homebuyers in the United States. USDA loans are issued by qualified lenders and guaranteed by the U.S. Department of Agriculture (USDA).
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2021 © Royal Mortgage USA NMLS# 1246268 | We’re licensed to serve in Florida (MLD1334), Massachusetts (MC1246268), Michigan (FL0022419), Texas (NMLS ID: 2136534) and Georgia (1246268) – NMLS Consumer Access / Legal Disclaimer – This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Other limitations may apply. This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the state of New York will be accepted through this site.