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Reali Loans Mortgage Refinance

in Mortgage Refinance from Reali Loans Inc.

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Reali Loans Mortgage Refinance

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in Mortgage Refinance from Reali Loans Inc.

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Community Rating

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In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Loan Term 15 - 30 years
Loan Amount $100,000 - $2,500,000

Reali Loans Mortgage Refinance Review

Reali Loans Mortgage Refinance is a mortgage refinance offering by Reali Loans Inc., based in San Mateo, CA. Founded in 2013, Reali Loans Inc. offers mortgage refinancing to borrowers in 12 states across the USA.

What range of mortgage balances will Reali Loans Mortgage Refinance refinance?

Mortgage refinancing loans start at $100,000 and go up to $2,500,000

What is the maximum loan term for a mortgage refinance via Reali Loans Mortgage Refinance?

The term of a mortgage refinance will determine the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. Reali Loans Mortgage Refinance offers mortgages refinancing with terms ranging from 15 to 30 years.

What is the estimated funding time for a mortgage refinance with Reali Loans Mortgage Refinance?

Reali Loans Mortgage Refinance will typically approve (or deny) a mortgage refinance application within 48 hours and fund mortgage refinances within 14 days of approval.

Does Reali Loans Mortgage Refinance charge a mortgage origination fee?

No, Reali Loans Mortgage Refinance 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 Mortgage Refinance charge prepayment fees?

No, Reali Loans Mortgage Refinance 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 Mortgage Refinance offer?

Reali Loans Mortgage Refinance 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 Mortgage Refinance allow?

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

  • Primary home
  • Secondary homes and vacation properties
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Contact

  • Headquarters
  •   777 Mariners Island Blvd., Suite 210
    San Mateo, CA 94404
  •   Visit Site

Other Services by Reali Loans Inc.

Availability

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  
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Intended Use
  • Investment
  • Primary Home
  • Secondary Home
Joint Loan Applications Accepted
  • Co-borrower
  • Cosigner
Maximum LTV 97%
Minimum Age 18
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)
Loan Term 15 - 30 years
Loan Amount $100,000 - $2,500,000

Reali Loans Mortgage Refinance Community Reviews

 

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