National average
Monthly payment
$4,765/mo
Rate
6.55%
APR
APR not reported by Freddie Mac PMMS. National average rate sourced from freddiemac.com/pmms.
Total paid
$1,715,472
Homebuyer Case Study
How Ralo secured a 0.55% lower rate than the national avg.
ON A $750K LOAN, THAT'S
$3,216
less every year
$96,686
back over 30 years
- 5.0 on Google
- Licensed Brokerage
The Deal at a Glance
Real numbers from a real borrower
Loan Amount
$750,000
Location
Texas
Loan Type
30 Yr Fixed
Rate Secured
Rate shown is the par rate (0 points). Actual rate selected by the borrower may vary based on points or lender credit chosen.
6%
↓ 0.55% national avg
Monthly Savings
$268/mo
vs national avg
Days to Close
17 Days
vs 30-day avg
I'm writing this from my dream home, many thanks to Ralo. I found Ralo via a Claude search. They were brand new, and all the other mortgage brokers I was speaking with said it was probably a scam given the rates I was quoted, but I decided I was willing to be the guinea pig. I am SO GLAD. Ralo was amazing from start to finish. I'm talking replies to my emails so quickly, sometimes within a minute or two. My loan was ready to close more than a WEEK EARLY. The process was seamless. None of the other mortgage providers I was considering could come close to the rate Ralo locked in for me. They saved me nearly 100K on my loan. 100k! They have cut out so many of the middleman expenses and they pass the savings on to YOU. I want to shout about Ralo from the rooftops and feel beyond lucky to have found them. Thank you Helly and your wonderful team! I wish you so much success. You deserve it. And if you're lucky enough to have found Ralo, DO IT. You will not regret it!
Small rate differences,
big long-term impact
National avg per PMMS data week ending Jul 16, 2026
Ralo secured
Monthly payment
$4,497/mo
Rate
6%
APR
6.183%
Total paid
$1,618,786
$96,686
saved over 30 years
A rate 0.55% below the national average translates to $268 in monthly savings and $96,686 in lifetime savings. The monthly payment does not include taxes, insurance, or HOA fees.
From lock to close in 17 days
vs the national average 30-45 days
Rate Locked
Jul 14
Conditionally
ApprovedJul 16
Signed
Closing DisclosuresJul 31
Closed
Jul 31
The Ralo Advantage
Traditional lenders are built around commissions.Ralo is built around technology and passes those savings directly to you.
No middlemen, more savings
Many traditional lenders build loan officer costs into your rate. Ralo automates what most loan officers used to do, so that cost isn't baked into yours.
Savings go to you, not a salesperson.
Automated underwriting
Our underwriting engine processes applications, verifies income, and assesses risk automatically, without the manual delays. What takes most lenders weeks takes Ralo days.
Decisions in hours, not weeks.
Completely transparent
No sales calls required to see your rate. No loan officer gatekeeping your loan estimate. Your rate, APR, and fees are shown upfront without having to talk to anyone first.
See your real numbers before you commit.
Close 3x faster
The industry average is 30–45 days to close. Ralo averages a close in 15 days because automated processing doesn't sit in anyone's queue.
15 days vs. the 30–45-day industry average.
Join borrowers who closed faster and paid less.
Get your rate estimate