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Home Refinance Loan Closed in “Record Time” – Royal United Mortgage LLC Home Refinance Loan Closed in "Record Time" – Royal United Mortgage LLC Do First Time Home Buyers Have to Put Down 20%? – North Florida Mortgage Among first-time homebuyers who obtained a mortgage and whose transactions closed in December 2016-February 2017, 80 percent made a downpayment of less than 20 percent.  Among first-time.