Reali Loans

in Home Purchase Mortgages from Reali Loans Inc.

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Reali Loans


in Home Purchase Mortgages from Reali Loans Inc.

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Community Rating Strongly recommended
APR 4.274%
Loan Amount $100,000 - $2,500,000
Loan Term 10 - 30 years

Reali Loans Review

Where does Reali Loans do business?

Reali Loans is a direct lender based in San Mateo, CA. The company was founded in 2013 and offers mortgages to borrowers in 12 states.

How much can you borrow via Reali Loans?

Reali Loans allows borrowers to apply for loan amounts of up to $2,500,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.

What is the maximum loan term you can get with Reali Loans?

Reali Loans offers mortgages with terms ranging from 10 to 30 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What range of rates does Reali Loans offer?

Reali Loans offers home loans with APRs starting at 4.274% and up to 4.274%.

What is the estimated funding time for a home loan via Reali Loans?

Reali Loans will typically approve (or deny) a mortgage application within 48 hours and fund mortgages within 7 and 14 days of approval.

Does Reali Loans charge a mortgage origination fee?

No, Reali Loans does not charge a mortgage origination fee.

Some lenders charge an origination fee for processing, underwriting, and funding a mortgage. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does Reali Loans charge prepayment fees?

No, Reali Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to repay the mortgage early.

What mortgage programs does Reali Loans offer?

Reali Loans offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • Jumbo: Any mortgage with a loan amount above the conforming loan limits set by Fannie Mae and Freddie Mac. As of 2018, the jumbo threshold is $453,100 in most of the United States.
  • Conforming: Mortgages that meet the loan requirements of Fannie Mae and Freddie Mac. These have fixed rate terms of 10 to 30 years and adjustable rate terms ranging from 3 to 10 years. Down payments as low as 5%.

What property usage types does Reali Loans allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Reali Loans allows the following property usage types: 

  • Primary home
  • Secondary homes and vacation properties
  • Investment properties and house flipping projects
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  • Headquarters
  •   777 Mariners Island Blvd., Suite 210
    San Mateo, CA 94404
  •   Visit Site

About Reali Loans


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 12 states
  • Arizona
  • California
  • Colorado
  • Florida
  • Georgia
  • Illinois
  • Michigan
  • Oregon
  • Pennsylvania
  • Texas
  • Virginia
  • Washington

Feature Breakdown

No Origination Fee  
No Prepayment Fee  
Minimum Age 18
Credit Score Range 620 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
Intended Use
  • Investment
  • Primary Home
  • Secondary Home
Maximum LTV 97%
Joint Loan Applications Accepted
  • Co-borrower
  • Cosigner
Property Type
  • Multi-Family Home
  • Single Family Home
  • Townhome
Verification Documents Required
  • Proof of Identity
  • Proof of Income
  • Proof of Residence
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Primary Residence  
House Flipping  
Loan Amount $100K - $2.5M
Loan Term 10 - 30 years
APR 4.274%

Reali Loans Community Reviews


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