Ralo is a modern mortgage broker built on automation. We file with multiple lenders, read every quote for hidden fees, and hold them to their best price — the work a traditional broker does by hand and charges a fat fee for. Because software does the heavy lifting, we run on a fraction of the standard commission, which helps keep your rate lower. A licensed human is with you the whole way.

How does Ralo help me compare costs?

Mortgage pricing is opaque, and lenders can shift costs between rate and fees. We line up offers side by side, call out unnecessary fees, and negotiate on your behalf. Ralo believes it delivers the best pricing in the U.S., and we show it with transparent, line-item quotes.

Do lenders really change their offers when you shop?

Yes. Pricing varies by lender and by day, and the first quote is not always the full picture. Shopping and negotiation can change both rates and fees, which is why side-by-side comparisons matter.

How long does it usually take to close a mortgage?

Timelines vary by lender, property, and how quickly documents are provided. We keep the process organized and keep everyone aligned, but the closing date ultimately depends on the full team involved.

How much does Ralo cost?

Ralo makes money through lender-paid compensation — a fraction of the industry average — that the lender pays us after closing.

What types of mortgages does Ralo support?

We support common loan types like conventional, jumbo, ARM, and refinancing options. If you have a specific scenario, ask us and we will confirm eligibility.

Which states does Ralo operate in?

Ralo is licensed as a mortgage broker in Texas and is expanding to additional states. Check our licensing page for the most current coverage. NMLS: 2751459.

How is Ralo different from a bank or direct lender?

We are a broker, not a bank. That means we can compare multiple lenders, negotiate pricing, and show you trade-offs side by side. Our goal is transparency and clarity, not a sales pitch.

Do I get a human helping me or is everything automated?

You get both. Our technology handles paperwork and comparisons, and a licensed expert is available for questions and decisions that need a human view.

Can I use Ralo if I already have a quote from a bank?

Yes. Share the quote and we will compare it against other offers. If your current offer is already the strongest fit, we will tell you.

Can you improve my current offer?

We will try to improve it and show the comparison clearly. If someone else already has the strongest offer for your goals, we will be upfront about that.

Which lenders does Ralo work with?

We partner with reputable lenders that compete for your business. We monitor pricing and service quality to keep the network honest.

Does Ralo share my data with lenders?

We only share what is needed to compare offers, and only after you authorize it. Your contact details are not shared until you choose a lender to move forward with.

Will Ralo sell my data to lenders?

No. We do not sell your personal information to third parties.

As seen

National rates today: 6.25% (30yr fixed)

Rates Worth Bragging About

We automated mortgages. Enjoy the savings.

30-Year Fixed

Live

Interest Rate

APR

0 Points$1,250 Origination Fee

15-Year Fixed

Live

Interest Rate

APR

0 Points$1,250 Origination Fee

5/6 ARM

Live

Interest Rate

Est. APR

0 Points$1,250 Origination Fee

Get Your RateNo login required

$500,000 loan · 75% LTV · 780+ FICO · Primary residence · Fixed comparisons use Freddie Mac PMMS as of the latest available benchmark date. The ARM average rate and APOR use FFIEC survey inputs as of the latest available survey date; its estimated APR uses New York Fed 30-day SOFR using the latest available 30-day SOFR, applicable adjustable-rate loan terms, and stated borrower finance charges. Sample rates only; not a loan approval, rate lock, or commitment. NMLS #2751459