Your Mortgage Made Easy.
Experience a mortgage process with people who are ready to serve you. Apply once online, and your Loan Expert shops our panel of lending partners and walks you through the rest, from the first question to the keys in your hand.
Get Started takes you to our secure application site at my1003app.com.
Find the Right Mortgage Option for You!
Tell us what your goal is.
Our Process.
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Apply Once, Online
Whether you're buying a home or refinancing, start with our secure online application. One application opens every program we offer, and you don't need to go digging for documents on day one. We ask for them when your file needs them.
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We Shop It for You
We look at your whole picture first: income, credit, timing, and what you want this home to do for you. Then we take your file to the lending partners on our panel whose guidelines fit it, and explain what we found and why. If waiting or borrowing less is better for you, we'll say so.
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An Expert Every Step of the Way
One person owns your file from the first question to the closing table. You always know what stage you're in, and you hear from us before you have to ask. We handle the communication with everyone on the deal, and we don't stop until you have those keys in hand.
Mortgage Questions?
Your Loan Expert is there to help you every step of the way, or just to answer the question that pops up along the way. The most important thing is that you'll never feel lost in the process.
With Royal Mortgage, you reach your Loan Expert directly by phone, text or email, whichever works best for you. No phone tree and no call center. Our Loan Experts are just that, experts, and they'll get you to closing with speed and precision. You'll feel like royalty when you're done.
1-844-ROYAL-MG
Who You’re Working With.
Facts you can check for yourself.
Royal Mortgage LLC. Our licenses, and the current status of each one, are on the regulators’ own NMLS Consumer Access record.
Verify usOur founder, Bryan Royal (NMLS #516492), started in mortgage lending in 2005, and he’s still on the file.
About usRoyal Mortgage was founded in 2019. Our office is at 4720 Salisbury Rd in Jacksonville.
Contact usPurchase, refinance, HELOC, reverse, jumbo, non-QM, VA and FHA all start from the same secure online application.
See the programsLoan Program Options
Which mortgage is right for you? You don’t have to know yet. One application opens every program below.
Conventional
Fixed or adjustable, for a primary home or a second home.
Learn moreFHA
Insured by the Federal Housing Administration, with a low down payment and more flexible credit guidelines.
Learn moreVA
For eligible veterans, service members and surviving spouses. Eligibility is determined by the VA.
Learn moreJumbo
For loan amounts above the conforming limit for your county.
Learn moreNon-QM
Self-employed? Qualify on bank statements, a P&L or 1099s instead of your tax return.
Learn moreHELOC
A line of credit secured by the home you already own. Draw, repay and draw again.
Learn moreCash-Out Refinance
A new first mortgage, larger than the one you have, with the difference paid to you.
Learn moreReverse Mortgage*
For homeowners generally 62 and older: turn part of your home’s equity into funds while you keep living in it.
Learn moreAlso available: USDA, condo and complex property, land and construction-to-perm, renovation, asset depletion and cross-collateralization.
Program availability varies by lender and by property. All loans are subject to credit approval.
*Reverse mortgage: the borrower must live in the home as a primary residence and must continue to pay property taxes, homeowners insurance and any HOA dues, and keep up the home. The loan balance grows over time.