Step Into Your Next Home With Absolute Clarity.

Compare loan options side by side, understand your payment, and know every step from pre-approval to keys.

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Loan options

The right loan depends on your story.

Here's how the most common home loans compare. We'll help you figure out which one fits.

Best for solid credit

Conventional

As little as 3% down for qualified buyers. PMI can be removed once you reach 20% equity.

Best for flexible credit

FHA

3.5% down with more forgiving credit guidelines. A strong option for building toward homeownership.

Best for veterans & service members

VA

0% down and no monthly mortgage insurance for eligible veterans, service members and surviving spouses.

Best for higher-priced homes

Jumbo

Financing above conforming loan limits, for larger homes in the Hill Country and beyond.

Free AI-powered tool

Get your personalized preparation checklist.

Three quick questions. A step-by-step plan built around your timeline and savings.

Build My Checklist

Your roadmap

Know exactly what comes next.

Pre-Approval

We review your income, assets and credit so you know your price range before you shop.

Home Search

Shop with confidence alongside your agent, with a pre-approval letter in hand.

Underwriting & Appraisal

We guide your file through review and keep you updated, no surprises.

Keys in Hand

Sign at closing and step into your new home.

Get ready

Your pre-approval checklist.

Gathering these early makes everything faster. Don't have them all? That's fine; we'll help.

✓Two most recent pay stubs
✓W-2s or 1099s from the last two years
✓Two months of bank statements
✓Photo ID
✓Federal tax returns (if self-employed)
✓Gift letter, if family is helping with your down payment

Payment calculator

See what your payment could look like.

Home price ($)Down payment: 10% ($35,000)Interest rate (%)Loan term (years)Property tax (% / yr)Home insurance ($ / yr)

Estimated monthly payment

$2,774

Principal & interest: $1,991
Property tax: $583
Insurance: $200
Loan amount: $315,000

Discuss My Options

For illustration only. This is an estimate, not a loan offer or commitment. Actual rates, payments and terms depend on credit, property, program and other factors. PMI/HOA not included.

Let's talk

Ready to get pre-approved?

Tell us about the home you're dreaming of. We'll walk you through your options and next steps.

Phone: (210) 000-0000 (placeholder)

Email: hello@royalmortgage.example (placeholder)

San Antonio, Texas