Seamlessly Navigate Home Financing

Residential Lending Solutions

Buy your next home, explore smart refinancing and cash out options, or invest in a residential property with flexible mortgage solutions.

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Residential lending solutions

Choose the Best Residential Mortgage Loan

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Asset Utilization Mortgage Loans*

Leverage your assets to qualify for a mortgage, even without income documents, a FICO score, or credit history.

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Portfolio Mortgage Loans

When traditional mortgages don’t fit, our loans offer faster approvals and flexible rate options, whether you’re self-employed, a wage earner, or have no FICO score or credit history.

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Conforming Mortgage Loans

Get predictable payments and clear terms with a loan that features competitive interest rates and standard income documentation.

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*The Asset Utilization Mortgage Loan requires reserving 12 or 24 months of principal and interest in the 13 or 25 months term Certificate of Deposit (CD). An early withdrawal penalty will be assessed for the CD of 13 or 25 months.

Terms and conditions apply.

Subject to credit approval.

Built for Your Goals

Residential lending solutions for firt-time homebuyers
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First-Time Homebuyers

A home loan gives you a clear path to ownership, so you can build equity, gain stability, and invest in your future on your own terms.

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Residential lending solutions for real estate investors
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Real Estate Investor

Obtain a mortgage loan or complete a cash out refinance for your investment properties.

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Residential lending solutions for foreign nationals
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Foreign Nationals

Get access to U.S. real estate opportunities with investment loans at competitive rates.

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New Immigrants

A home loan can help you settle in, start building U.S. credit, and create long-term financial stability.

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Meet Your Lender

Get To Know the Team Guiding You Forward

At Royal Business Bank, you’re backed by a team that listens first and guides with experience so you can make smarter financial decisions.

Dan Watanabe

California, Nevada, New York, New Jersey, Illinois, Hawaii
Senior Vice President, Director of Correspondent & Wholesale
Phone
818-858-6342
Email
dwatanabe@rbbusa.com
NMLS
# 1623161
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What Our Clients Are Saying

“Getting a home loan through Royal Business Bank was one of the best decisions I’ve made.”

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“Getting a home loan through Royal Business Bank was one of the best decisions I’ve made. The process was clear, the team was highly efficient, and I felt supported at every stage. Their personalized service and professionalism truly set them apart. I never imagined that buying a home could be this smooth and stress-free.”

J. H.
New York customer
J. H.
New York customer

“RBB has been a trusted financial partner of our family. From my parents to my siblings, we’ve built a long-term relationship with RBB.”

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“RBB has been a trusted financial partner of our family. From my parents to my siblings, we’ve built a long-term relationship with RBB. We rely on RBB for personal and business banking. Their courteous and friendly staff make every visit feel personal, and their services have supported everything from personal banking to commercial loans. With over 10 business accounts and multiple loans, we continue to grow with RBB’s unwavering support. It’s more than a bank—it’s part of our family legacy.”

Billy C.
Illinois customer
Billy C.
Illinois customer

“I’ve been with RBB since 2016, and what stands out most is their one-on-one service.”

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“I’ve been with RBB since 2016, and what stands out most is their one-on-one service. I once received a call from RBB to verify a check I wrote, which showed me how seriously they take fraud prevention—that moment convinced me to move all my business accounts to them. Since then, every experience, from deposits to wire transfers, has been smooth and pleasant. I now use personal and business checking, loans, and CD accounts for my children. RBB is reliable, helpful, and friendly.”

Sophia Z.
New York customer
Sophia Z.
New York customer

“We’ve been banking with Royal Business Bank for over 8 years, and their business team consistently delivers prompt and professional service.”

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“We’ve been banking with Royal Business Bank for over 8 years, and their business team consistently delivers prompt and professional service. They truly understand the unique needs of our company and offer proactive and attentive support. When we needed a business loan to support our cash flow, the team quickly grasped our plan and helped us complete the process smoothly. RBB has been a reliable partner for our business checking, loans, and credit needs.”

K. H.
California Business Owner
K. H.
California Business Owner