AI-Native Mortgage Broker
Ralo is the first AI-native mortgage broker. We use AI to remove layers of overhead and pass the savings back to borrowers. Our customers get rates more than half a point below the national average, save tens of thousands of dollars over the life of their loan.
What Ralo Does
Ralo reimagines how mortgages work.
One Form. One Workflow.
You fill out one application. We keep everything organized and guide you from pre-approval through closing.
Lowest Rates From the Start
We streamline the process and remove middlemen so buyers can access great rates with low fees upfront, without endless back-and-forth.
Zero Spam
We protect buyer data and only share what is necessary, so getting a mortgage does not become an inbox nightmare.
Proof in the Rates
On average, Ralo's rates are about 0.50 percent to 0.75 percent below the market average, often with lower fees too.
Active Founders
Co-Founder & CEO
Arjun Lalwani
Arjun is the co-founder & CEO of Ralo, building AI tools he wish existed after his painful home-buying journey. Prior to founding the company, he was a Product Manager at Google (APM '20), where he worked on high-impact consumer products. He scaled Google Hotels and launched a new business within YouTube Shopping, growing it from $0 to $XXX million in GMV. Arjun holds a degree in Computer Science from the University of Washington.
Co-Founder & CTO
Helly Shah
Helly Shah is the co-founder & CTO of Ralo, where she's building the mortgage platform every homebuyer deserves. At Google Maps, she led the design and launch of features that enhanced lane guidance & geopolitical accuracy for over a billion users. Before that, she built real-time rates trading systems at Goldman Sachs, shaping how markets move. She grew up in a family of real estate developers across India and the US, giving her a front-row seat to the industry's inner workings.
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