Simplified lending at the best rates possible

Completely online. Faster close. Hassle-free.

Current Rates
Rate
APR
30 Year Fixed
4.500%
4.530%
5/1 ARM
4.500%
4.530%
15 Year Fixed (Jumbo)
4.375%
4.378%
Rates Updated Daily

Quick and transparent lending that works for you

Reali is bringing our transparent, commission-free approach to home lending. We're re-working the lending model and streamlining the entire process to work for you. So now you can experience smarter home buying and lending with concierge-style service from our in-house team.

Get a loan in three easy steps

Step 1

Click the Get Started button to begin the mortgage application process.

Step 2

Submit your application online and we’ll connect you with our specialized, in-house Loan Officer.

Step 3

We’ll take it from here! Our Loan Officer will work with you to find the best rate and loan.
Get Started

A Reali different lending experience starts here

Fixed Rate Loans

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.

Loan Type
Rates
APR
10 Year Fixed
4.000%
4.070%
15 Year Fixed
4.000%
4.050%
20 Year Fixed
4.375%
4.420%
25 Year Fixed
4.500%
4.540%
30 Year Fixed
4.500%
4.530%
Jumbo Loans

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.

Loan Type
Rates
APR
10 Year Fixed
4.875%
4.878%
15 Year Fixed (Jumbo)
4.375%
4.378%
20 Year Fixed
5.000%
5.003%
25 Year Fixed
5.000%
5.003%
30 Year Fixed
4.250%
4.253%
High Balance 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

Loan Type
Rates
APR
10 Year Fixed
3.500%
3.503%
15 Year Fixed
3.500%
3.503%
20 Year Fixed
4.375%
4.378%
25 Year Fixed
4.375%
4.378%
30 Year Fixed
4.250%
4.253%
ARM Loans

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.

Loan Type
Rates
APR
5/1 ARM
4.500%
4.530%
7/1 ARM
4.375%
4.410%
10/1 ARM
4.875%
4.910%
5/1 ARM (High Balance)
3.125%
3.128%
7/1 ARM (High Balance)
3.375%
3.378%
10/1 ARM (High Balance)
3.500%
3.503%
5/1 ARM (Jumbo)
3.750%
3.753%
7/1 ARM (Jumbo)
4.125%
4.128%
10/1 ARM (Jumbo)
5.250%
5.253%

FAQs

What else should I know about mortgage?

What’s the difference between Reali and Reali Mortgage?
Reali is a full-service real estate brokerage without commissions, and we’re bringing that same fresh approach to home lending. This affiliate is called Reali Mortgage.
Why choose Reali 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
What types of loans do you offer?

Reali offers extensive loan products for all residential property types, including:

  • Single-family homes
  • Multi-family homes (up to 4 units)
  • Townhomes
  • Condominiums
  • Planned Unit Development (PUD)

Don’t see a loan program listed? Just give us a call!

Why are Reali’s rates the best?
Reali’s seamless tech-driven approach to lending helps us lower our costs and pass those savings to you. With the help of digital tools, our full-service team can focus on delivering top rated client experience.
Does Reali offer mortgages in my state?
Reali Mortgage, Inc. is fully licensed throughout the state of California. Good news, our team is working on expanding into more states soon.

Reali Mortgage, Inc. 777 Mariners Island Blvd. Suite 150, San Mateo, CA 94404 NMLS #1782943. © 2018 Reali Mortgage. All rights reserved. Reali Mortgage, Inc. is a subsidiary of Reali. Reali Mortgage, Inc. offers mortgages in the following states: California.

X

By clicking ‘OK’, you are leaving www.realimortgage.com and entering a website that Reali Mortgage does not control. Reali Mortgage has provided this link for your convenience and is not responsible for the content, links, privacy policy, or security policy of this website.

OK