This is the door. It opens the Royal Mortgage application.
Carrying your question one page in — one moment.
The live assistant is still coming online, so nothing you typed was sent anywhere — it stayed on your device. A licensed loan officer can pick this up right now, whenever you are ready.
The application asks for what an underwriter actually needs, once. A licensed loan officer reviews it, and what comes back is an answer you can stand on rather than an estimate.
Some people want to see the math before they fill anything in. A licensed loan officer will go through it with you, and nothing about that conversation commits you to a loan.
Because the underwritten answer is already done, the closing date stops being the lender’s and becomes the seller’s, and closing can happen in as little as seven days from a signed contract.
We cannot guarantee seven days, because the seller sets the closing date.
Seven days is measured from the signed purchase contract, not from the day you apply. It is the fastest we have done and it is not the typical result. Your actual closing date is set by your purchase contract and the seller’s schedule, along with the title work and the appraisal. Available on conventional purchase loans. Not available on refinances or in every state. Subject to underwriting review. Not all applicants will qualify. A hard credit inquiry occurs later, before closing. Approval can be withdrawn if your financial condition or credit changes, or if information in your application turns out to be inaccurate or incomplete. This is not a commitment to lend.