About Us
Built around the person, not the transaction.
Our mission is to serve our customers with honesty, integrity and competence. Royal Mortgage was founded in 2019 to make a home loan feel simple to the person getting one. Someone here owns your file from the first question through the closing table, and the standard for how you are treated does not change with the size of your loan.
A mortgage is a major financial decision. It should be explained in plain words, answered when you ask, and structured around your life.
Get Started takes you to our secure application site at my1003app.com.
What this means for your file
Four things you can hold us to.
You get an answer, not a routing slip
There is no regional desk to route to and no corporate layer to wait on. The answer comes from someone who is allowed to give it.
The loan gets built around you
We look at the whole picture first: income, credit, timing, and what you actually want this house to do for you. Then we go find the structure that fits it.
Problems get found early, on purpose
Every file is read for the things that derail closings before one of them derails yours. Week one, not the final week.
Someone owns the outcome
Not a queue, not a ticket, not a shared inbox. One person is accountable for your file, and you always know who that is.
The Royal Standard
One standard for how a person gets treated here. Three pillars, and every one of them is something we owe you.
Pillar one · Your time
Speed
We answer. You keep moving.
- Your Loan Expert answers you directly, by phone, text or email
- We do not run a phone tree
- We chase the paperwork so that you are not chasing it
- You hear from us before you have to ask
Pillar two · Your money
Precision
Structured around you.
- We look at your whole picture before we talk about a loan
- We shop our lender panel for you, then explain what we found
- We structure the loan around your life, not around a template
- If waiting or borrowing less is better for you, we say so
Pillar three · Your file
Accuracy
Told, not chased.
- You always know what stage your file is in
- We ask for documents when the file needs them, not all at once on day one
- The lender’s underwriter reviews every decision, and you hear the result from us
- If something changes, you hear it from us first
Bryan Royal
Founder · President · NMLS #516492
Twenty years in, and still on the file
Bryan began his mortgage career in 2005, after a business degree and college football. He went on to run a region for one mortgage company, opened a new division for another, and founded Royal Mortgage in 2019.
He did not step back from the file when the company grew. That is deliberate. A standard is only real if the person whose name is on the door is still close enough to hold it.
Why the standard reads the way it does
The Royal Standard is about doing what is best for you.
Which is why every line of it above is a promise about your time, your money and your file, and none of it is a promise about us.
How a loan runs here
Four steps, and you are told where you are in all four.
- You ask, and somebody answers Call, text or email your Loan Expert. The first conversation commits you to nothing.
- We look at the whole picture before we talk about a loan Income, credit, timing, and what you want this house to do for you. If the honest answer is that waiting or borrowing less serves you better, that is the answer you get.
- One application, one list of documents The application is taken in exactly one place. What we need from you arrives as a single list, in plain words.
- Underwriting, then the closing table Your file goes to underwriting with the lending partner whose guidelines fit it. We keep it moving, keep you told at every stage, and if anything changes you hear it from us first.
Every loan program. One place.
Whatever you are trying to do, it starts at the same door.
Full access
- Conventional, FHA, VA, USDA
- Jumbo and high-balance loans
- Condo and complex property financing
And advanced solutions
- Non-QM programs
- Asset depletion
- Cross-collateralization
- Land and construction-to-perm loans
- Low credit programs
- Programs without income caps