1. Who do I contact for general information and questions on using the Royal Consultants' service?
If you have any questions prior to submitting your online application, we recommend that you review all the questions and answers contained within this page. More than likely, you will find the answer to your question here. However, if you are unable to find the answer to your specific question, simply include your question in the "comments box" provided on our secure online application.

2. Do I have to own a home to get a loan?
Yes and No. If you are seeking a Home Equity, Debt Consolidation or Refinance loan, then home ownership is definitely a requirement. However, if you are looking to buy a home and would like to qualify for our Purchase/First Mortgage loan, you do not currently have to own a home to do so.

3 .Can I get a Personal Loan, from your company?
No. Unfortunately we currently do not offer personal loans as an option.

4. Are the interest rates at Royal Consultants really that low?
Yes, they are! Your specific low-interest rate depends on factors, such as the type of loan you desire, the amount of equity in your home and your credit report. To find out the low-interest rate you will receive, apply online right now to receive your pre-qualification by e-mail within as little as 30 minutes. Or, call our friendly loan professionals toll-free at Royal Consultants to receive pre-approval by phone in as little as 30 minutes!

5. Royal Consultants provided a secure environment for applying online
Yes, Royal Consultants provides SSL encryption on our online application. However, if you prefer to leave out any personal information while filling out the application, please feel free to do so. There is sufficient time to obtain account details once your application is in process.

6. I've had past credit problems, Will I qualify for a loan?
Yes! We have loan programs to fit almost any situation, regardless of past credit problems. Bankruptcies, judgements and tax liens...etc, will not prevent our loan experts from helping you obtain approval for the low-interest loan that you deserve. Even if you are in foreclosure, there is a good chance that we can help you.

7. Should I apply online or by phone?
Whether you apply online or by phone, both are simple and free! Our website offers you the convenience of submitting your application online at your own pace. Please note: applying online does not mean that you won't have the opportunity to speak directly to one of our trained loan specialists. In fact, submitting an online application will actually assist in expediting the loan process. Necessary information will already be available to the loan specialist handling your request, that would otherwise have to be taken via telephone.

8. Does Royal Consultants share client information with other companies?
Royal Consultants is committed to your right to privacy. We do not share your personal data with anyone, unless you request us to do so. Once your application is in process, you can be guaranteed that all client information will be protected so that you are the only person to view your data, along with only those individuals requiring the information to approve your loan.

9. Is there a cost to submitting a loan application?
Please be assured that you will not incur any charges by submitting a loan application. The process is 100% free.

10. How is applying online different from a regular application?
Applying online with Royal Consultants gives you the convenience and comfort of transacting your business wherever you are and at your own pace.

11. Can I use cash from the home equity loan for any purpose?
Yes, in most cases you can use your loan for any purpose. Consolidate your bills, make home improvements, take a vacation, buy a car or boat, start a new business... it's up to you!

12. Can I receive a home equity loan, refinance loan or debt consolidation if I currently have a first and/or second mortgage on my home?
Yes. Royal Consultants can offer all three types of loans, even if you currently have an existing first and/or second mortgage.

13. Can I qualify if I'm self-employed and do not show a lot of income on my tax returns?
Yes. We have several loan programs where your income does not require verification.

14. Is the interest on my loan tax deductible?
Yes, in most cases. However, we advise you to speak to a tax consultant regarding your specific situation.

15.Once my online application is approved, how long before I actually receive my money?
In most cases, Royal Consultants can provide the money you need within 5 business days, or even in as little as 48 hours when possible.

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Royal Consultants
575 Underhill Blvd Suite 200
Syosset, NY 11791
1-800-227-4327