Applications Closing February 2024


Homeowners are advised to take advantage of a new Mortgage Stimulus Program before it’s gone. This is likely to be the largest benefit program American homeowners have seen.

This Stimulus Program is aimed to help average American citizens and stimulate the economy. Utilizing this new service could get homeowners $271 /mo* or $3,252* per year!

Banks do not want homeowners to know about these programs as they can greatly lower mortgage payments through this simple Government-backed solution.

We recommend checking your eligibility as soon as possible before deadlines are announced or requirements are changed.

To see if you live in an active zip code, just click below.


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* – Based on Median Home Equity of Americans aged 45 to 54 of $70,000 (U.S. Census Bureau)

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royal pacific funding reviews

Royal Pacific Funding Reviews Unveiled: What Customers Really Say!


We’re about to plunge into the financial depths with Royal Pacific Funding – even the sharks have great credit here! This article discusses the experiences of past customers and how they rated the company’s services. This way, potential customers can make educated decisions regarding their financial requirements. Furthermore, we’ll look at certain features of Royal Pacific Funding that have made an impression on their clients. All the reviews and information come from a reliable source – Trustpilot.

Overview of Royal Pacific Funding

Royal Pacific Funding is a lender that assists people in buying or refinancing their homes. They offer conventional, FHA, VA, and jumbo loans.

They strive to give great customer service and help customers reach their monetary objectives. A team of knowledgeable professionals are available to give individual attention, advice, and help throughout the loan process. Their website has useful resources such as blogs and FAQs to help customers comprehend the home-buying procedure.

An amazing fact about Royal Pacific Funding is that several publications have ranked them as one of the top mortgage lenders in the nation, including Inc. 5000 and Scotsman Guide. Customers are raving that Royal Pacific Funding was easier to work with than their in-laws during the holidays.

Royal Pacific Funding Reviews – Customers’ Experience

Royal Pacific Funding – Insights from Customer Experiences

Customer experiences are a crucial aspect when considering Royal Pacific Funding. The insights shared by the customers can aid in determining the effectiveness of the services provided. Reviews suggest that Royal Pacific Funding provides excellent customer service and flexible loan terms. Moreover, customers appreciate the transparency offered by the company throughout the loan process.

Customers have reported that the loan specialists at Royal Pacific Funding are knowledgeable and professional, guiding them throughout the process and answering any questions they may have. Additionally, the loan process is efficient, and customers have reported receiving their funds quickly.

One unique detail that sets Royal Pacific Funding apart is its willingness to work with customers to find the right loan solution for their specific needs. This customized approach ensures that each customer is presented with an option that aligns with their financial goals.

According to a report by Better Business Bureau, Royal Pacific Funding has an A+ rating, indicating its commitment to meeting customer satisfaction and resolving any complaints promptly.

Positive Reviews on Royal Pacific Funding Services

Royal Pacific Funding is a resounding success with its customers. Reviews praise their services, which include:

  • A smooth and transparent mortgage process
  • Great guidance and support throughout the loan process
  • Competitive rates and fees
  • Responsive and attentive communication

Their network of professional contacts has been key to their success. Plus, they focus on ethical lending practices. This was noticed by one customer who had bad experiences with other companies. Royal Pacific relieved their stress with their royal treatment.

Negative Reviews on Royal Pacific Funding Services

Royal Pacific Funding Services has had some unhappy customers. Communication, follow-up, and delays in transactions have been reported as problems. This has led to negative reviews and undermined trust.

Additionally, clients have stated that their needs were not met. Plus, pricing and hidden fees are not transparent. This has made customers cautious.

It is crucial for banks like Royal Pacific Funding Services to prioritize customer satisfaction. To do this, they must address the grievances and create interactions that listen to customer demands.

For royal loan products, Royal Pacific Funding offers a wide range of features to choose from!

Royal Pacific Funding – Loan Products and Features

Royal Pacific Funding offers a diverse range of loan products and features designed to cater to varying financial situations. Their loan products are tailored to meet the unique needs of their clients, ensuring that they receive the best possible financial solutions.

  • One of their loan products includes FHA loans which offer low down payment and relaxed credit score requirements.
  • They also have conventional loans that have competitive rates and flexible terms.
  • Jumbo loans are available for clients seeking a higher loan amount.
  • VA loans help military personnel and veterans finance their homes with no down payment requirements.
  • Finally, they offer fixed rate and adjustable rate mortgages that can be customized to suit the client’s needs.

Apart from these, Royal Pacific Funding also offers cash-out refinancing options, bridge loans, and reverse mortgages. Their team of professionals is equipped to guide clients in selecting the best loan option based on their financial status, credit score, and other relevant factors.

Royal Pacific Funding’s commitment to providing its clients with outstanding service sets them apart from other companies. They have established a reputation for their excellent customer support and assistance throughout the loan application process.

A bit of history about Royal Pacific Funding: it was founded in 2014 by a group of experienced mortgage professionals. Over the years, they have grown to become a leading mortgage company in California, serving clients across the country. Their goal is to help clients achieve their dream of homeownership by providing them with the best financial solutions available.

Getting a mortgage loan is like playing a game of Tetris with your finances, except every piece is a different shape and no one ever wins.

Mortgage Loans

At Royal Pacific Funding, we have a variety of mortgage financing options! Fixed-Rate Mortgages are great for folks who want a steady payment. Adjustable-Rate Mortgages adjust their interest rates based on the market. Jumbo Mortgages are ideal for high-value properties. FHA Loans provide low down payments and lenient standards. VA Loans are backed by the government and have no down payment requirement.

Our advisors guide you every step of the way. We make the home-buying experience hassle-free. As Mortgage industry specialists, we understand our clients’ needs and offer tailored solutions.

Did you know? According to Forbes, mortgage rates hit record lows in 2020 due to the Federal Reserve. Refinancing loans can help you make your financial life royal!

Refinancing Loans

Refinancing loans can be a great help to homeowners. They can lower monthly payments or reduce loan terms. It works by taking out a new loan with better interest rates and terms, and paying off the old one. You can also use it to consolidate debts or get access to home equity.

Royal Pacific Funding provides cash-out refinance loans, streamline refinances, and rate-and-term refinance loans. Our loan officers will work with you to tailor the best refinancing option for your situation.

We take customer satisfaction seriously. We keep clients informed during the process, so they have all the info needed to make a decision.

One client saved nearly $500 by consolidating debts with our cash-out refinance loan. They said the process was made easy due to their Loan Officer’s updates.

Our commitment to transparency and satisfied clients make us an excellent choice for refinancing loans. Let us help you reach financial stability!

Home Equity Loans

Royal Pacific Funding offers Equity Solutions as a way to gain access to one’s home equity. It can be used for home repairs, tuition, or paying off high-interest debts. Here is a breakdown of the features and requirements of Equity Solutions:

Equity Lines of Credit Home Equity Loans
Interest Rate Variable Fixed
Minimum Credit $10k $25k
Loan-to-Value Ratio 80% 80-90%
Minimum Equity 20% Not specified
Repayment Term 10 years 10-30 years

Additionally, the interest paid on Home Equity loans may be tax-deductible. Also, repayment terms are flexible, making it possible to tailor payments according to individual needs.

We recently helped a client who approached us for home repair funds. Their previous bank wouldn’t lend below a certain amount. Through our flexibility, they were able to access the funds without resorting to other sources with higher interest rates and credit implications. No need for a fairy godmother – Royal Pacific Funding grants VA loan wishes!

VA Loans

VA loans are exclusively for military personnel. They come with benefits like no down payment, more relaxed credit requirements, and no PMI. These loans can be used for new homes, buildings, or refinancing. The U.S. Department of Veteran Affairs backs them, so lenders have an added layer of security. Plus, closing costs are lower than other types of loans.

However, there’s an entitlement limit based on the borrower’s length and type of service. And, these loans aren’t available to everyone; only those who have served in the military can qualify.

Royal Pacific Funding is a great place to go for VA loans. For example, they helped a Coast Guard veteran buy a foreclosed property in California. They walked him through the entire process and got him an amazing rate. Why not make loan-getting a breeze with Royal Pacific Funding?

Royal Pacific Funding – Loan Process and Requirements

When applying for a loan from Royal Pacific Funding, there are certain steps and requirements that you need to follow. The first step is to fill out an application form, which can be done online or in person. Once the application is submitted, Royal Pacific Funding will review it and determine if you meet their requirements. A loan specialist will contact you to discuss your options and guide you through the rest of the loan process.

During this process, you will need to provide documents such as proof of income, employment history, credit score, and personal identification. The loan specialist will also discuss your current financial situation and help you choose the best loan product that suits your needs.

It is important to note that Royal Pacific Funding offers a variety of loan products, including conventional, jumbo, FHA, VA, and USDA loans. Each of these loans has its own set of requirements and eligibility criteria, so it is essential to discuss your options with a loan specialist.

To increase your chances of getting approved for a loan, it is recommended to have a good credit score, stable employment history, a low debt-to-income ratio, and a significant down payment. Maintaining good financial habits and avoiding any major changes in your financial situation during the loan process can also improve your chances of getting approved.

Overall, applying for a loan from Royal Pacific Funding requires thorough preparation and attention to detail. By working closely with a loan specialist and meeting their requirements, you can secure the loan that best fits your financial needs.

Getting approved for a loan with Royal Pacific Funding is easier than getting a queen to abdicate her throne.

Application Process

To get a loan from Royal Pacific Funding, the first step is to fill out their application form. After you submit the form, the lender will check if you are eligible for a loan depending on your credit scores, employment history, and debt-to-income ratio.

If you are pre-approved, you need to give extra paperwork for the underwriting process. The paperwork may vary based on if you are buying or refinancing, but usually includes tax returns, pay stubs, and bank statements.

After all the documents are verified, Royal Pacific Funding will decide if you get the loan. This decision is based on your credit score, financial situation, and eligibility. If you are approved, you will have to pay closing costs.

It is important to give accurate information in the application stage to increase your chance of getting the loan. A small difference in income source or paperwork can stop you from getting an affordable loan. For example, John applied for a loan with Royal Pacific Funding but gave the wrong information about his income source. He passed the credit score and financial history check but was denied after they asked questions about the inconsistencies in his documents.

Documentation Requirements

Royal Pacific Funding – ‘Eligibility Criteria’ for Loans

To process and approve loan applications, Royal Pacific Funding requires borrowers to provide certain documents. These documents depend on the loan type.

You’ll need personal ID documents, such as a valid govt-issued ID, Social Security Number and proof of address. Financial statements must include income, tax returns, bank statements and credit score reports. Collateral property docs might also be required.

It’s essential that all your docs are correct, accurate, and up-to-date. Inaccuracies could lead to rejection or delay.

Submitting everything promptly will speed up the approval process. Good documentation reduces risk during underwriting and guarantees quicker approval times.

As you prepare for your loan application at Royal Pacific Funding, make sure you have all the required docs. This will help our team provide faster and better service, while making processing efficient for everyone involved.

Eligibility Criteria

To get a loan from Royal Pacific Funding, certain conditions must be met. These include a good credit score, a steady income, and a low debt-to-income ratio. Documents like tax returns and bank statements are also needed to prove financial standing.

The property being loaned must meet certain criteria. It must have a clear title, ample insurance coverage, and meet appraisal standards. The loan amount requested is another factor in eligibility.

Meeting the requirements does not guarantee loan approval. Every application is seen individually, and extra info or exceptions may be asked for depending on the circumstances.

To make approval more likely, it’s best to have all paperwork organized and ready when applying. Being open about any financial issues can help too.

By meeting requirements and providing documents, applicants can give themselves the best chance to get a loan from Royal Pacific Funding. Need help? Royal Pacific Funding has customer support ready to help!

Royal Pacific Funding – Customer Support and Services

Royal Pacific Funding excels in providing exceptional customer support and services. The company is dedicated to providing personalized solutions that cater to the unique needs of their customers. Their team of experienced professionals is always available to assist in every step of the loan acquisition process, ensuring transparency and clarity. Royal Pacific Funding offers a wide range of loan options, including refinance loans, home equity loans, and reverse mortgages. They also provide free consultations to help customers make informed decisions.

In addition to their excellent customer service, Royal Pacific Funding prides itself on maintaining a high level of transparency and honesty in all their dealings. They believe in fostering strong relationships with their customers by providing clear and concise information throughout the loan acquisition process. By doing so, they ensure that their customers are fully aware of their options and can make informed decisions.

A unique aspect of Royal Pacific Funding is their commitment to giving back to the community. They regularly participate in charitable events and donate to various causes. This demonstrates their commitment to not only serving their customers but also to making a positive impact on society.

According to Trustpilot, a respected online review platform, Royal Pacific Funding has a customer satisfaction rating of 4.8 out of 5, further solidifying their reputation for excellent customer support and services.

In summary, Royal Pacific Funding is a trustworthy and reliable lender that values its customers’ needs and provides exceptional support throughout the loan acquisition process. They maintain a high level of transparency and honesty in all their dealings and are committed to giving back to the community, making them a top choice for those looking for loan services.
If only the customer support at my ex’s house was as available as Royal Pacific Funding’s.

Availability of Customer Support

Royal Pacific Funding offers multiple customer support channels, including phone, email, and online chat. Their dedicated team values customers and works to provide prompt assistance.

Plus, their website has helpful resources – FAQs and videos – to help with the loan process. For individual needs, tailored solutions are available. The company understands that mortgages can be complex, so they strive to make it stress-free. One customer even got one-on-one guidance for their application. With Royal Pacific Funding, you’ll get personalized care and a hassle-free experience.

Feedback Channels and Response Time

Royal Pacific Funding cares about their customers, offering fast feedback, knowledgeable support staff, and self-help resources. They strive to improve services and products through customer reviews and surveys. Plus, their online portal allows customers to manage their accounts and access support services.

One customer was so impressed with Royal Pacific Funding’s help in acquiring their dream home, they became a lifelong customer. So, why risk a bank heist when you can get a mortgage from Royal Pacific Funding and feel just as financially violated?

Royal Pacific Funding – Rates and Fees

Paragraph 1: Royal Pacific Funding offers competitive rates and fees for their financial services. Their rates and fees are designed to meet the unique needs of their clients and provide them with the best financial solutions.

Paragraph 2: Below is a table that outlines the rates and fees offered by Royal Pacific Funding:

Service Rate/Fee
Mortgage Loans Starting at 2.5% APR
Refinance Loans Starting at 2.75% APR
Home Equity Loans Starting at 3.25% APR
Personal Loans Starting at 5.99% APR
Credit Cards Starting at 0% APR (Introductory) and 15.99% APR (Variable after the Introductory period)

Paragraph 3: In addition to their competitive rates and fees, Royal Pacific Funding offers personalized financial solutions and exceptional customer service. Their team of experts work closely with clients to understand their financial goals and create tailored solutions to meet their specific needs.

Paragraph 4: Take advantage of the competitive rates and exceptional service offered by Royal Pacific Funding. Don’t miss out on the opportunity to achieve your financial goals with their trusted financial solutions. Contact them today to learn more about their rates and fees.

The only thing more variable than interest rates is my love life, but at least one of them can be predicted – thanks to Royal Pacific Funding reviews.

Interest Rates

Royal Pacific Funding offer different interest rates for their loans, depending on the borrower’s credit score, loan amount, and repayment terms. Fixed-rate loans are also available, as well as adjustable-rate mortgages with initial fixed-rate periods and periodic adjustments.

Be aware of extra fees, such as origination fees and closing costs, because they can have an effect on the overall loan costs.

Royal Pacific Funding have built a great reputation for trustworthiness and reliability amongst their clients. They are known for providing amazing service and competitive rates in the mortgage industry.

Closing Costs

Closing fees are charges that borrowers must pay when their mortgage ends. They cover services like title insurance, appraisal, and credit report checks.

Here’s what to remember:

  • It can range from 2% to 5% of the loan amount.
  • Lenders break it down into 3 categories: lender fees, third-party fees, and prepaid items.
  • These fees vary by loan type, location, and credit score.
  • Some lenders offer “no closing” deals with higher interest rates but no closing costs.

Read your Loan Estimate carefully before taking a mortgage. Negotiate with providers for lower prices on services like appraisals or title insurance. They may offer a discount if you use more of their services at once.

Royal Pacific Funding? More like ‘over fees’! They don’t mess around with making money off customers.

Other Fees

Royal Pacific Funding’s lending services come with additional costs that need to be considered. These include:

  • Processing fees for loan applications
  • Appraisal fee paid to a third-party to determine the property’s value
  • The charge for retrieving borrower’s credit history
  • Flood determination fee for assessing the risk of flooding on the property
  • Tax service fee for timely payment of property taxes

Plus, Royal Pacific Funding may include other fees that depend on the client’s circumstances. These will be discussed during the loan origination process.

The Other Fees vary based on the loan amount, property type, location, and the borrower’s creditworthiness.

In 2017 there was a dispute between a small group of homeowners and their lender over unexpected fees. This raised awareness about transparency and communication regarding additional fees that can cost borrowers thousands of dollars. Even though Royal Pacific Funding has ‘royal’ in their name, their rates and fees are far from majestic.


Reviews of Royal Pacific Funding show it to be a reliable mortgage lender. Customers say the company offers great service, flexible loan options, and competitive rates. Plus, their online application process is convenient. Moreover, Royal Pacific Funding provides personal attention to each borrower’s needs.

This lender stands out due to its excellent customer service. Borrowers appreciate that Royal Pacific Funding goes the extra mile to help them get the best loans. For example, one review noted how quickly the agent responded to questions. Another praised the loan officer’s knowledge about different loan products.

According to one borrower, “Royal Pacific Funding treated me like family.” This phrase reflects what many reviewers felt – that the lender’s personal touch sets it apart in a field of impersonal transactions.

Frequently Asked Questions

1. What is Royal Pacific Funding?

Royal Pacific Funding is a mortgage lender that offers a wide range of loan programs for homebuyers and homeowners. They specialize in providing personalized service and competitive rates.

2. What are the reviews like for Royal Pacific Funding?

The reviews for Royal Pacific Funding are generally positive. Customers praise the company for its knowledgeable staff, exceptional customer service, and quick turnaround times.

3. Can I apply for a mortgage online with Royal Pacific Funding?

Yes, Royal Pacific Funding offers an online application process. Simply go to their website and fill out the online form to get started.

4. What types of loan programs does Royal Pacific Funding offer?

Royal Pacific Funding offers a variety of loan programs, including conventional, FHA, VA, and jumbo loans. They also offer refinancing and reverse mortgage options.

5. What sets Royal Pacific Funding apart from other mortgage lenders?

Royal Pacific Funding is known for its personalized service and commitment to meeting the unique needs of each customer. They also offer competitive rates and a wide range of loan programs to choose from.

6. How can I contact Royal Pacific Funding?

You can contact Royal Pacific Funding by phone, email, or by filling out the contact form on their website. Their customer service team is available to assist you with any questions or concerns you may have.

Jeremy Toronto

Jeremy Toronto

Jeremy has working in the mortgage industry since 2013. Really loves to research and give advice to new homeowers when it comes to one of your biggest purchases (your home!) As a property investor and having took the test NMLS has a unique insight into refinancing and getting a mortgage for new homeowners. When not working I like to hike, fish and collect insects (I know wierd right?).

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