NMLS# 13390

Royal United Mortgage

Lender Summary

Royal United Mortgage was founded with the purpose of enriching lives in the communities we serve by providing an unparalleled education and service experience for our customers and employees. The Royal United Mortgage product and pricing process is customized to meet both the short and long term goals of each individual client. We believe the customer expects honesty, education, and results; Royal United was built on these principles.

What they're saying

Ratings & Reviews
15505 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

Showing 1 star reviews | Show all reviews

Bad agent Bad experience, Bad customer service The real BBB

The start of the process went well and I had confidence in Mr Duke, Shame on me. Look at MR Dukes reviews he has been doing this business for 24 years, Mr Duke informed me. well I should have looked at that ,I did not my mistake who in 24 years of doing business with customers only has 54 total reviews and of that 54 all were positive RED FLAG DO NOT DO IT. He only has 54 good reviews is more likely in 24 years HOW MAY BAD well according to this company NONE . NOT LIKELY!! Well this should tell you all that you need to know about the company and MR Duke. Well now for the reason I give this positive review HUH I was assured by MR Duke that he could get my loan approved and that everything looked good from his side. Well not so as I was denied not officially but verbally unless I could borrow$ 3800.00 against an asset to show I had liquid assets, well if I borrowed from another asset it would not be liquid anymore. The reason for this was because I own a house free and clear and own half of the house next door, which by the way is gutted for renovations, but they say that I live in the gutted house and not in the house which has been renovated and very nice ,oh and has all my furniture and clothes ect in it ,which was very evident as the appraiser took pictures inside and outside. The main reason was that I only have one mailbox and that is in front of the house that is in process of renovation. I think most would agree if you were in my shoes, that it is just as easy to walk next door and get my mail as opposed to having to change credit card billing , social security, drivers license, power bills water bills,insurance bills WELL you get the idea .OH by the way they could have checked usage of electric and water to verify where I live and then there is the homestead exemption only on the house you live in,in Florida. There was a problem with my name also as I was given a name at birth on my birth cert but was neve called by that name ever, I have a Federal aviation commercial Pilots License and an Airframe and powerplant license as well as my social security, my Medicare, my HOME, my car ,my Home INSURANCE, all of my credit cards,my Covid Vac card water bill, my cable bill, Oh by the way no cable in the other house, Oh no walls just studs,I guess this must be the new style for decorating houses that you would want to liv in. I gave these people 600.00 for an appraisal PLEASE PLEASE DO NOT MAKE THE SAME MISTAKE insist they take it out of the proceeds of the loan so if no approval no money out of you pocket. If they will not do it RUN. NOW for the customer no service. I called the main # and talked to a young man ,I asked to speak to a manager he said they were probably gone for the day, but could possibly be there and would call that eve if in or if not would call the next day well. STILL WAITING . IF you are looking for a home loan look hard before going with these people

Royal United Mortgage strives to provide excellent customer service to every borrower. We are sorry that your experience was not a positive one. The Compliance Department reviewed your loan history and found that loan advisor and operations staff acted in good faith, making every effort possible to get your loan approved. While we understand the scenario, we are bound by federal regulations when it comes to establishing occupancy at a property. Without the documentation outlined in those guidelines, we could not proceed with your loan application as it was written. Our team did attempt another loan application and structure, which required assets for approval. Unfortunately, without the assets, our underwriting staff, could not approve that loan structure. We understand your frustration and do apologize for not being able to complete your loan at this time. Please feel free to reach out to us if you have any further questions.

Really?

Received 1st call from Justin. Told him I was not interested. His replay, " You have to be, I have your social". I said again that I was not interested and hung up. He called right back saying "You gave your social, I have your social". I said again that I was not interested and hung up. He called a third time and was even more rude saying "I have your social". Like it was some kind of threat??. I hung up again amd called the number he had called me from. A woman answered amd apologized for his behavior amd said she was putting me on the "do not call" list. I thanked her and hung up. About 2 minutes later, Justin called again
with the "I have your social" threat. I told him I had called and put in a complaint abd that, if necessary, I would call elsewhere and complain about the company he works for. His response, "please do". Ok. Will do.

  • Loan Type:

    Home Equity Loan or Line of Credit
  • Review Type:

    Lender Review

Will never deal with this company.

When talking to the lender, they told me that they did not offer helocs when that is what I put in for it. After talking, he stated that I was essentially too much work because of my assets and ended the conversation. Apparently they are not hurting for business.

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  • Loan Type:

    Home Equity Loan or Line of Credit
  • Review Type:

    Lender Review
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Royal United Mortgage

Customer Satisfaction rating is based directly on customer ratings and reviews. Customers rate lenders on their customer service, interest rates, fees and closing cost and overall experience.

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Royal United Mortgage

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