Find your rate in minutes.
Close in 20 days.
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Quick and transparent lending is our guarantee
Reali is bringing our transparent, commission-free approach to home lending. We re-worked the lending model and streamlined the entire process to save you time and money. So now you can experience smarter home buying and lending with concierge-style service from our in-house team. Learn about our 20-day guarantee.
Get a loan in three easy steps
Click the Get Started button to begin the mortgage application process.
Submit your application online and we’ll connect you with our specialized, in-house Loan Officer.
We’ll take it from here! Our Loan Officer will work with you to find the best rate and loan.
A Reali different lending experience starts here
A fixed-rate mortgage is a home loan with a static, consistent interest rate throughout its entire term. Because its rate remains the same over the life of the loan, it makes monthly payments predictable and reliable. It’s currently one of the most common mortgage products on the market.
A jumbo loan is a large-sized mortgage loan designed for buying higher-cost homes and luxury properties. Generally, it is any loan above the $424,100 mark, though in more expensive markets, the minimum threshold can be as high as $636,150 due to greater median home values. Jumbo loans are often called “non-conforming” loans.
A High-Balance Mortgage Loan is defined as a conventional mortgage loan where the loan amount exceeds the conforming loan limits. Specific high-cost area loan limits are established annually for each county (or equivalent) by the Federal Housing Finance Agency (FHFA). For 2019, the range for qualifying for this product is a loan amount between $464,500 and $676,000
Adjustable rate mortgages (ARMs) have interest rates that change over time. These rates typically start out quite low for 5 to 7 years (sometimes slightly more or less) and then go up over time as the market demands. They’re designed for short-term borrowers or those looking for very low up-front loan costs.
What else should I know about mortgage?
When you work with Reali Mortgage, you get a team that’s committed to providing a quick and transparent lending experience. Our customers can expect:
- Industry-leading rates on all major loan types
- Initial approval in minutes
- 0% loan officer commission
- 100% online application process
- Concierge support when you need it via online chat, text, or phone
Reali offers extensive loan products for all residential property types, including:
- Single-family homes
- Multi-family homes (up to 4 units)
- Planned Unit Development (PUD)
Don’t see a loan program listed? Just give us a call!
Reali Mortgage, Inc. 777 Mariners Island Blvd. Suite 150, San Mateo, CA 94404 NMLS #1782943. © 2019 Reali Mortgage. All rights reserved. Reali Mortgage, Inc. is a subsidiary of Reali. Reali Mortgage, Inc. offers mortgages in the following states: California.