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Home Mortgage

Whether it's your first home or your dream home, we make the buying process easy

Connect with our loan team
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Open the door to your new home at Royal Credit Union!

We love helping homebuyers find the perfect place to call their own. Our team will work with you to find a home loan solution that meets your needs! Here's what you can do with Royal:

Buying a home could be the biggest purchase of your life. At Royal Credit Union, we’ll explain the ins and outs of home mortgage loans and make sure you understand things. We’re here to answer all your home loan questions!

Fixed Rate Mortgage

  • In this type of home mortgage, the interest rate is “fixed” and stays the same for as long as the loan lasts.
  • Royal Credit Union offers fixed-rate mortgages for terms of 10, 15, 20, or 30 years.
  • A 30-year fixed-rate mortgage is the most popular home loan choice because it offers low monthly payments and a locked-in rate.


Fixed Rate Mortgage Rates

Monthly Payment

Rate and payment are based on a loan amount of $245,000 for the refinance of a single family primary residence.

Adjustable Rate Mortgage

  • This type of home loan is sometimes called an ARM, which stands for adjustable-rate mortgage.
  • ARM interest rates are tied to the market rate. The interest rate can go up or down during the term of the loan.
  • We offer adjustable-rate mortgages with terms of 15, 20, or 30 years. The rate is locked for 10 years, so it is called a 10-year adjustable-rate mortgage even though the actual repayment time is more than 10 years.

Adjustable Rate Mortgage Rates

Monthly Payment

Rate and payment are based on a loan amount of $245,000 for the purchase of a single family primary residence.


$100 First-Time Homebuyer Credit

Royal is offering first-time homebuyers a $100 credit* on their closing costs if they complete an online educational course offered by Fannie Mae®. The course explains a variety of mortgage topics, and the information applies to all home loans. Any first-time homebuyer, even those who don’t qualify for Fannie Mae® loans, can take advantage of this credit with Royal. Register for and complete the self-guided online course at

Home Equity Rates



Royal Makes Buying Your New Home Easy!

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