Take advantage of low mortgage rates. Your free quote is just seconds away.



Lower Rates. Faster Closings. Happier Homeowners.

The average Reali Loans customer saves $20,000 over the life of their loan versus our competitors. What are you waiting for? Apply for a home loan or refinance today.

The average Reali Loans customer saves $20,000 over the life of their loan versus our competitors. What are you waiting for? Apply for a home loan or refinance today.


Simple. Speedy. Secure.

Save time.

With our paperless service, get a customized quote in minutes. When you’re ready, apply online and move at whatever pace you need.

Save money.

A dedicated Loan Officer and digital dashboard mean you’re never out of the loop. From our website or on your mobile phone the latest updates on your home loan are just a click or call away.

Sacrifice nothing.

Just because you’re saving money doesn’t mean you’re compromising quality. At Reali, we’re rethinking real estate, and that means we’re here for the long haul.

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Hidden lender fees? Puh-lease.

Finding a mortgage lender is easy, but finding one with awesome rates and no hidden fees is another story. We must be doing something right because we made the list of Forbes Best Mortgage Lenders 2021.

Choose an option below to learn more about working with Reali Loans.


Get Rate. Lock Rate. Go.


Get a great rate.

Enter your preferred terms and get the best available rate in seconds. Need help? A Loan Officer is available to answer all your questions.


Lock it in.

Reali Rate Lock safeguards you from future increases. Lock in minutes, completely online, no tedious document uploads required.


Get on with your life.

All documentation is sent online via your secure portal for approval. Once everything has been verified and checked, Reali funds your loan.

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Save $20K on your mortgage.

We did the math. Through a combination of low rates and no lender fees, our average customer saves $20,000* over the life of their loan versus our competitors. Just think of what you could do with $20K.

Read reviews from some of our favorite customers.

You can always find the latest Reali customer reviews on Trustpilot.

Read reviews from some of our favorite customers.

You can always find the latest Reali customer reviews on Trustpilot.

Reali Loans is awesome!

Wonderful service, great rates, low fees, couldn’t ask for much else? Reali was very professional, highly responsive, and always available anytime we had a question. Would highly recommend Reali Loans!"

Khaleda A.

Reali is blessed to have a great team, so devoted to the clients and the company. Thank you again for your great work financing my home loan. I couldn’t be more pleased with the process and Reali’s unique program.

Mariela & Pat F.

Thank you very much for all your help, guidance and hard work!

Thank you very much for all your help, guidance and hard work! We couldn't have bought our house without you. We appreciate everything you did for us, especially the close, personal experience. We’ll reuse Reali when it’s time to refi a few years down the road."

Curtis & Xuenjin L.

We couldn't be more thankful.

As a first-time buyer and a tech-savvy consumer, Reali Loans made my home purchase easy and totally stress-free. [Reali was] there for us through the entire process, and we couldn't be more thankful for Reali helping our family move into our first home."

James L.

Need help applying for a home loan online?

Deciding to apply for a home loan online is an important part of the real estate journey. Whether you’re still shopping around, already found your new home, or are looking to refinance, Reali’s honest, transparent home loans make it fast and easy to find out how much home you can afford and finance your mortgage.

Before you decide to apply, let’s make sure you’re ready to take this step and have a clear understanding of the timeline and everything you’ll need to provide to become a successful borrower.

Apply for a home loan the right way

When it comes to owning a home, you are responsible for much more financially than when you are just renting. Budgeting for a down payment, closing costs, taxes, and your mortgage is a great place to start. Also, keep in mind the longer-term costs of things like renovations, furniture, repairs, and homeowners’ insurance. Mortgage calculators can be helpful in setting realistic goals and a budget.

Before you apply for a home loan, there are several details that can impact how smoothly the process goes. Check your credit score history and make sure there are no errors on your report. If your score is low, that can impact your ability to secure better rates at higher amounts, so you may want to wait a few months to raise your score before applying. If your score is solid and you’re ready to get pre-approved, you’ll also want to be prepared to consider multiple loan types to find the option that best suits your budget and income.

What should I know about online home loans?

In today’s market, getting pre-approved for a mortgage is a smart way to begin the online home loan process. Not only does it give you a clear budget for how much home you can afford, but it also sends a strong message to sellers that you are a serious buyer. And once you’re pre-approved with Reali, you don’t get “locked-in” forever, and you can still consider getting a loan elsewhere.

Online home loans are just as reliable and secure as traditional home loans. The benefit to you is that our digital technology, products, and tools allow us to offer you a 24/7 paperless service so that you can apply completely online and on your own schedule. The Reali application process is fast, private, and hassle-free. And it’s all backed by stellar customer service.

Take steps to apply for a home loan

Once your offer on a property is accepted, it’s time to apply for your home loan. You’ll start by filling out a streamlined, comprehensive loan application, and you will need to provide a series of documents like your pay stub, previous tax returns, most recent bank statements, and more. During this process, we’ll take a deeper dive into your financials to confirm loan approval and determine the exact amount you can borrow—and at what interest rate. After you submit your loan on our site, the team at Reali will get back to you within one business day. Then, you’ll be able to view your custom rate quote and multiple loan options when it’s convenient for you.

Understanding the types of home loans online

You’ll need to keep in mind a few factors when deciding between types of home loans online. Reali offers fixed and adjustable-rate mortgages (ARMs). The difference between a fixed-rate and an adjustable-rate mortgage is that, for fixed rates the interest rate is set when you take out the loan and will not change. With an adjustable-rate mortgage, the interest rate may go up or down. We’ll let you know upfront how much your interest and monthly payments will be. From there, you can select the loan term. To get rid of debt faster, consider a 15-year loan. If you want to make smaller payments over a longer amount of time, a 30-year loan may be best for you. You’ll know you found the right mortgage option when it fits your budget and has an interest rate you’re comfortable with. Before you sign on the dotted line, ask one of our experts for details or to learn more about which loan may be best for you. They’re experts in the mortgage community.

Skip the hassles and save money when you refinance your home loan

With the low rates of 2022, many current homeowners and consumers are looking to access a better rate and refinance their home loans to save money. If you strike at the right time and with the right amount of equity, refinancing can give you a lower monthly payment and a locked-in interest rate. If you’re ready to refinance your home make sure you consider a variety of factors: the term of the new loan, what programs are best for your financial situation like FHA or other federal housing programs), additional associated expenses (closing costs, appraisal fees, title insurance, etc.), and whether you want to switch from an ARM to a fixed-rate mortgage.

Are there other resources to help guide me on my way?

Our blog is full is content to help guide you on your homeownership journey. It’s our main center for all things mortgage and real estate. There you can access helpful resources from a wide menu of topics and trends. You’ll also hear more from Reali Agents and team members on the ground and across our offices.

Ready to apply for a mortgage loan?

We know this is a big step and a major investment. Our team at Reali couldn’t be more excited to support you through this process. Once you apply for a mortgage loan, you will meet your dedicated Loan Officer who will work with you every step of the way. Stay informed from your mobile phone or computer by logging into your account and following along from our online dashboard, where you’ll be able to see right where you are in the mortgage process.


What are you waiting for? Get pre-approved in minutes.

Please call (855) 846-7334 to chat with a member of the Reali Loans team or click below to search rates and start the application process.