RBC Bank (USA) Mortgages are for customers interested buying or building first home, purchasing a second home, refinancing or downsizing. The bank offers a full suite of home mortgage solutions to fit every customers needs. These include Fixed and Adjustable Rate Loans, Conforming and Jumbo loans, First and Second Mortgage Combos, Construction-to-Perm Loans, Housing Programs including First-Time Homebuyers, Loans for modular homes, planned unit developments and condos. Features include alternative financing for less-than-perfect credit, cash-out loan options, reverse mortgages for customers age 62 and older and interest-only payment options up to 100% financing with no Private Mortgage Insurance (PMI) on select programs. The bank also provides refinancing options.