Royal Rep Mortgage Lending
Secure Your Dream Home with Ease
Specializing in Conventional, FHA, and VA Loans for Home Purchases and Refinances.
Have Questions About Conventional Loans?
Our lending experts are here to help you find the perfect loan for your home purchase or refinance. Get personalized guidance every step of the way.
Get Your Personalized Loan Quote in Minutes
Find out how much you can save with competitive rates and tailored terms for conventional loans.
what we offer
Explore Loan Programs Designed for Your Needs
At Royal Rep Mortgage, we offer a variety of loan programs tailored to suit your unique goals, whether you’re purchasing your first home, refinancing, or seeking veteran-specific benefits. Find the perfect fit for your financial needs below.
Conventional Loans
Flexible loan options designed for both home purchases and refinances. Perfect for those with stable income.
- Affordable housing program available based on demographic
- FICO Requirement as low as 620
- Special Price of $475 Available for Refinance Escrow and Title Fee
FHA Loans
Designed to make homeownership more accessible for first-time buyers and those with lower credit scores.
- Down payment as low as 3.5%
- FICO requirement is at 580+
- Appraisal or Income Documentation Not Necessary for Refinance
VA Loans
Exclusive benefits for veterans and active-duty service members, helping you achieve homeownership with ease.
- No down payment necessary
- Qualify using residual income, not a 50% debt-to-income limit
- VA limits fees to reduce veterans' upfront closing costs
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+
Years of Experience
who we are
Built on Trust Since 2010
Founded as a real estate company, we have evolved into a trusted partner for real estate investors, providing tailored mortgage solutions to help both new and experienced investors achieve their goals. Whether you’re building your portfolio or securing your first investment property, we’re here to support your vision for success.
At Royal Rep Lending, our mission is to simplify the mortgage process by offering personalized loan options, expert guidance, and unparalleled customer service. We are dedicated to making homeownership a reality for all, with tailored solutions that meet each client’s unique needs.
(626) 746-5429
Why Choose Royal Rep Mortgage?
Over 10 Years of Building Foundations for a Brighter Future
Home Purchases
Refinance
Loan Options
Trusted by Homebuyers and Sellers
how it works
let us assist you in obtaining your property
01
Quick and Easy Application
Fill out our short application form to get started—it takes just a few minutes! After submission, we’ll schedule a call to discuss the preapproval process with you.
02
Fast Pre-Approval Decision
Receive a quick term sheet and preapproval, enabling you to shop confidently for your next investment property or refinance opportunity. Our team will guide you through every step, ensuring a seamless and transparent experience.
03
Evaluation & Approval
Once you’ve selected a property and agreed to the loan terms, our efficient processing and underwriting procedures will ensure a swift closing process.
frequently asked questions
Your Mortgage Questions, Simplified
Conventional Loans
Typically, a minimum credit score of 620 is required, but higher scores (700+) may
qualify you for better interest rates.
3% for first-time homebuyers (with specific programs); 5%–20% for most borrowers;
20% to avoid private mortgage insurance (PMI).
PMI is required if your down payment is less than 20%. It protects the lender in case
of default and is usually added to your monthly payment.
Yes, once your home equity reaches 20% (or a loan-to-value ratio of 80%), you can
request PMI removal. It’s automatically canceled when your LTV reaches 78%.
FHA Loans
Typically, a minimum credit score of 580 is required.
No, FHA loans are intended for primary residences only. However, you can buy a
multi-unit property, live in one unit, and rent out the other.
If Your Down Payment Was Less Than 10%, the MIP is for the life of the loan; If Your
Down Payment Was 10% or More, MIP can be removed after 11 years of consistent
payments.
VA Loan
No, VA loan can be lender at 100% of the purchase price or the value of the property.
No, VA loans can be used multiple times as long as you have remaining entitlement or restore your entitlement by paying off a previous VA loan.
VA prohibits lenders from charging certain fees. These non-allowable fees are typically costs that are considered the responsibility of the lender or the seller, not the borrower.
Contact Us
Have questions or need assistance? Fill out the form and our team will get in touch with you shortly. We’re here to help with all your mortgage and refinancing needs!
Complete your application on our official website— Scan the QR code to get started!
We’ve been helping customers afford the home of their dreams for many years and we love what we do.
Licensing
Company DRE: 01884912 |
Loan Officer DRE: 02216025
Loan Officer NMLS: 1762481
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