Hey everyone, we’re Arjun & Helly, co-founders of Ralo. 👋

TL;DR
Ralo is America’s first mortgage platform built to help homebuyers save time, money, and stress. We automate the most painful parts of getting a mortgage: paperwork, rate shopping, and negotiation, all in one place.

https://youtu.be/bcmC6xe9nUA

🏦 The Mortgage Problem

More than half of homebuyers don’t shop for a mortgage, even though it could save them a significant amount of money. Why? Because the process is so overwhelming:

🧱 High friction
Switching lenders is a hassle. Buyers have to upload the same documents to multiple portals, navigate different requirements, and jump on calls with each loan officer.

💸 Lack of know-how
Most buyers don’t know they can shop around or how to do it. Confusing terms like “points” and “relationship pricing” make it hard to know what’s actually a good deal. So buyers stick with the first lender out of convenience, not confidence. And switching later feels risky as it could delay or even derail the deal.

☎️ Spam overload
Shopping for a mortgage often triggers a flood of unwanted calls and emails from lenders.

✨ The Ralo Magic

Ralo reimagines how homebuyers get a mortgage. With one simple form, our platform handles the entire process, so buyers get the best loan with less work.

https://youtu.be/PCUBgSjUvNw?si=qXIssoIa_zCaaWH3

📄 One form. Every lender.
Like a “Common App” for mortgages, buyers complete one form and our platform handles the rest. It finds the best lenders for a buyer’s profile, shares the necessary details, and guides them seamlessly from pre-approval to closing.

📞 End-to-end automation
We get you the best & lowest rates in the industry by removing intermediaries and getting you capital market rates.

🚫 Zero spam
We protect buyers’ personal data and only share what’s necessary, keeping their inboxes free from lender spam.

👋 Our Ask

🏡 Know someone buying a home? Send them to ralo.com. It could help them save thousands.

💬 Know any real estate agents or lenders? We're also looking to connect with real estate agents and loan officers who would be open to sharing feedback. 📩 Connect us at founders@ralo.com

📲 Want to support? A follow or shoutout on LinkedIn means the world.

Thanks so much for your support. It makes a big difference to us!

🤝 The Team

Ralo was founded by ex-Google and first time homebuyers in different cities who bonded over how confusing, expensive, and frustrating getting a mortgage was.

Arjun (CEO) — previously worked as a Product Manager at Google (APM '20), where he led 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.

Helly (CTO) — previously worked on Google Maps, leading features that improved lane guidance & geopolitical accuracy for 1B+ 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. Helly also holds a degree in Computer Science from the University of Washington.