From Dungeon to Daaaaang

If you can dream it, you can build it. Make it all happen with a mortgage refinance from Reali Loans.

If you can dream it, you can build it. Make it all happen with a mortgage refinance from Reali Loans.

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Get the most out of your mortgage.

Refinancing an existing mortgage is usually about more than just getting a better interest rate. Here’s how savvy homeowners make the most of their mortgage with a smart refinance.

Get a better rate.

Happy with your current mortgage? Why not check to be sure? Better safe than sorry, we say.

Get cash.

Use a cash-out refinance and tap into the equity you’ve built to finance home improvements or to cover unexpected expenses.

Remove PMI.

Once you have 20% equity in your home, remove private mortgage insurance and save on your monthly payments.

Change terms.

Go from flexible to fixed mortgage change the total number of years, or the total payment amount so you can save more for retirement. We’ve got options.

Consolidate loans.

Carrying two mortgages? A refi is an easy way to streamline your finances and save on the interest you pay. Ask your Loan Officer to learn more.

Buy out a co-owner.

Co-owning a house isn’t always forever. With a buy out refi, you can pay a co-owner’s share of the equity and remove them from the deed.


Go from step one to totally done, faster than ever before.



Search for your preferred monthly payment terms and get access to the best available mortgage rates in seconds. Need help? A Loan Advisor is available to answer all your account questions.


Lock Your Rate.

Reali Rate Lock safeguards you from future interest rate increases. Lock your low rate in minutes, completely online, no tedious document uploads required. Save time and skip the stress.


Confirm the Details.

All personal documentation is sent online via your secure portal for refinance loan approval. Once everything has been verified and checked, Reali confirms you're elibigle and begins the final step!


Close the Deal.

Once all the i’s are dotted and t’s are crossed, your Loan Officer will notify you when your refinance loan has been funded and disbursed to escrow!

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Reali Loans New Mortgage Service Area Map

Where We Lend

We’re always expanding our footprint across the U.S., but for now, Reali Loans is offered in Arizona, California, Colorado, Texas, and Washington.

To get the latest housing and business updates, follow us on Facebook or LinkedIn.


Compare us to the rest, then choose the best.

Other lenders may have great rates but lousy service and tech. Or premium service, but also a premium price. Here at Reali, we want you to have it all: savings, service, and the smartest tech. Really.

Reali Loans

Other Digital Lenders

Traditional Banks

Rate Savings

$20,000 average savings over the lifetime of the loan*

Anybody’s guess

No way

Lending Fees

No lending fees or commissions

Varies wildly, though some offer no-fee loans

1% origination fee, additional charges for rate lock

Funding Speed

As fast as 21days

Typically 45 days

45 days

Application Process

Completely online

Mostly online, with some steps offline

Half online, half off

Customer Support

Dedicated Loan Officer as single point of contact

Different people at different steps

Just hope the on-hold music is good

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Let’s get you refinanced, baby!

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.