The Royal Treatment · For the agent who runs the table
Your buyer’s lender should work like part of your team.
Every transaction runs through the owner. Pre-approvals come back in three hours. Thirteen AI tools, the Lead Portal, a free document scanner, 3D cinematography, drone footage and joint marketing campaigns come with the relationship — and they cost you nothing.
Ask about a program, a scenario, a timeline, or what happens next.
The standard
Three pillars hold every file up.
They are not slogans. They are the three places a transaction actually breaks, and the three places Royal Mortgage is built to be strongest.
Speed
Technology
Fast systems, real-time data, AI and automation. Quick pre-approvals and faster closings, because the machinery is doing the waiting instead of your client.
Precision
Pricing
Sharp rates, strategic lender selection, tailored loan structuring and exact execution. The number your buyer is quoted is the number that survives underwriting.
Accuracy
Service
White-glove communication, dependable follow-through, accurate documentation and clean, on-time closings. Nobody on the file has to chase anybody.
One standard. Three pillars. Better outcomes.
The headline
The Lead Portal.
Royal shares its leads with its agents. Buyers arrive through the Royal AI app, through royalmtg.com and through Royal’s own campaigns — and the ones who need an agent go to the agents in the portal.
- Leads, shared. Buyers who come to Royal without an agent are handed to the agents in the portal.
- Live status on every one. You see where the buyer is — interested, pre-approved, under contract — without asking anyone.
- Home-search data on your own clients. What they are looking at, what price band they keep returning to, how long they have been looking.
- One place. Leads, files, documents and updates all live behind the same login. Nothing lives in somebody’s inbox.
Your request is written and ready to send.
Your mail app should have opened with it already filled in. If it did not, open it here and press send — it goes straight to Bryan.
Open the messageThirteen tools
An AI toolkit for your business, not ours.
Thirteen tools, live now, free to every agent Royal works with. Tap any coin for what it does and how to open it.
Beyond the loan
The marketing arsenal.
A daily video idea, a camera crew, a drone, a signing platform, a shared campaign budget and twenty-five-plus listing assets. All of it comes with the relationship.
Free, and it is yours
The document scanner
A full document scanner, free to every Royal agent. Scan a contract, an addendum or a disclosure from your phone in the driveway and it is a clean PDF before you pull out. The DocuSign API is integrated, so the document you just scanned goes out for signature from the same screen — no second app, no desktop, no waiting until tonight.
Shot for your listing
3D cinematography
Cinematic 3D walkthroughs of your listing, produced for you. The buyer who is three states away tours the house properly instead of scrolling twenty photographs, and the listing shows up online looking like the price you are asking for it.
From above
Drone footage
Aerial footage of the property, the lot line, the water, the golf course, the neighborhood. The shot that sells acreage and location is the shot you cannot get from the sidewalk — so we go get it.
Together
Joint marketing campaigns
Campaigns built and run with you: your listings, your farm, your database, your sphere. Royal brings the production, the creative and the media spend to the table, and your name is on the front of it.
What they are actually doing
Data on your customers
When your client is searching for homes through Royal, you see it. Price band, saved properties, how long they have been at it and when the activity picks back up. You stop guessing whether they are still looking, and you know when it is time to call.
25+ assets per listing
Royal Listing Kit
More than twenty-five listing assets, produced for you: Open House, Just Listed and Sold flyers, social shareables, text and QR lead capture, a digitized open house sign-in, single property websites, and sign riders. Your branding, your listing, ready before the sign goes in the yard.
A new set most mornings
The Royal Reel Idea Generator
You already know short-form video plus a phone call is how this works now. The reason you are not doing it is that you do not know what to talk about on a Tuesday. So we hand you three or four fresh ideas most mornings — what to talk about, and why people care about it right now.
Ideas, never scripts. There is no line for you to read. Years of answering the same question in somebody’s driveway is the thing worth filming, and it only works in your own voice. The page also carries a bench of free third-party tools and a coach for the part between the idea and pressing record.
The Royal Treatment
What you get on every single file.
Not a program you qualify for. This is simply how Royal Mortgage runs a transaction, on the first file and the fiftieth.
Direct owner access.
Every transaction runs through Bryan Royal, President and Founder. Decisions get made, not escalated.
- He can lower pricing. On the spot, on your file.
- He can contribute to transaction costs. When that is what closes it.
- He can restructure a deal in real time — while you are still on the phone.
- No regional layer. No corporate approval layer. The person who can say yes is the person you are already talking to.
Bryan Royal · President and Founder
Speed to lead
A live professional answers.
Every call is answered by a live professional, with instant routing to a trained backup team. Your buyer never lands in a queue on a Saturday afternoon.
The application
Live guided applications.
We take the application on the phone, guided, rather than defaulting your client to an online form and hoping they finish it.
Communication
Up to ten status updates.
Up to ten structured loan status updates per transaction, to all parties — including the listing agent on the other side.
Real time
Text updates on every milestone.
Opt in and the milestones come to you by text as they happen, instead of after you have already wondered about them.
The coordinator
We replace the transaction coordinator.
Document collection, follow-ups, milestone tracking and status communication are ours. That is a role you do not have to staff on a Royal file.
The app
The Royal Ai app.
Real-time communication, AI-powered deal analysis, smarter pre-approvals, a streamlined borrower experience, and Royal Underwriting Intelligence behind it.
Pre-approval
Three hours, fully reviewed.
A pre-approval in three hours that has actually been looked at — run through the Deal Protection Checklist before it leaves the building.
- Undisclosed debts
- Income complexity
- IRS obligations
- Asset sourcing
- Property and program eligibility
Contract to close
The only calendar left is the seller's.
- Title and escrow documents up to four days in advance.
- A Tuesday and Friday update cadence everyone on the file can set a watch by.
- Night and weekend availability. Contracts do not only happen on Wednesdays.
- Your buyer's side is finished before the offer is written. 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. Royal Mortgage pays the rush fee on the appraisal so that is not what holds it up either.
Seven days is measured from the signed purchase contract, not from the day your buyer applies. It is the fastest we have done and it is not the typical result. The actual closing date is set by the 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 the borrower's financial condition or credit changes, or if information in the application turns out to be inaccurate or incomplete. This is not a commitment to lend.
Product depth
If it has been declined somewhere else, bring it.
Conventional, FHA, VA, USDA, jumbo and high-balance, condo and complex property, Non-QM, asset depletion, cross-collateralization, land and construction-to-perm, low credit programs, and zero-down and no-income-limit options.
If a deal has been declined elsewhere, our specialty is finding a solution.
Market advantages
Pricing levers most lenders do not have.
Half-cost temporary buydowns, 3-2-1 and 2-1 structures, wholesale flexibility across the lender panel, and a locked rate that can still be improved. These are the tools you put in front of a buyer to win a contract.
Beyond the transaction
Open house sponsorships.
Royal sponsors your open house — the collateral, the sign-in, the follow-up, and somebody there who can answer a financing question on the spot.
Beyond the transaction
Monthly mastermind and strategy calls.
A monthly Realtor mastermind and a strategy call. Not a webinar — a room of producers working on the same problems you are.
Beyond the transaction
Marketing and financing strategy, together.
We build the marketing and the financing strategy with you, so the campaign and the loan product you are pointing buyers at are the same plan.
Market advantages
The levers you can actually put in an offer.
These exist because Royal Mortgage is a broker with wholesale access and because the owner can move pricing on a live file. A retail lender cannot structurally do most of what is on this page. This is agent material — it is not on the consumer site, and it is not meant to be.
Temporary buydowns, half on us.
Royal Mortgage covers half the cost of a temporary buydown. That is the whole advantage in one line: your buyer gets the lower early payment, and the seller is asked for roughly half of what another lender would need them to give up.
- 3-2-1 buydowns structured from as low as a 2 percent seller contribution.
- 2-1 buydowns structured from as low as a 1 percent seller contribution.
- A temporary buydown lowers the interest rate in the early years, which lowers the early payments and eases the entry into the house while income and plans grow.
- It lets a buyer stay competitive without asking a seller to overextend, which is usually what keeps a negotiation alive.
Rate flexibility
A locked rate can still improve.
Because the file can be moved between lenders on the panel, a locked rate can be improved without a float-down fee. That is a broker advantage a retail lender structurally cannot offer, and it matters most in exactly the market where your buyer is most nervous about locking.
Wholesale access
A panel, not a shelf.
The file goes to whichever lender actually fits it rather than to the one lender who happens to employ us. On jumbo, condo, complex property and non-QM that is frequently the difference between a decline and a closing.
Owner-moved pricing
The person who can lower it is on your file.
Bryan can lower pricing on rates and contribute to transaction costs while your contract is still live. Not a request submitted upward — a decision made on the call you are already on.
How to use it
Bring it to the negotiation, not after.
These are worth the most before the offer is written, when the seller concession is still being argued about. Call before you send it and we will structure the offer with you.
Royal Mortgage cannot compensate Realtors financially — but we invest unlimited time, availability, and strategy into our partners. Royal Mortgage LLC