Find Your Best Mortgage Deal

Ralo is a mortgage platform built to deliver lower rates and lower fees by cutting out unnecessary intermediaries. We automate the complex work behind the scenes, from paperwork to pricing and negotiation.

Active Founders

Arjun Lalwani

Co-Founder & CEO

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.

Arjun Lalwani

Co-Founder & CEO

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.

Helly Shah

Co-Founder & CTO

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.

Helly Shah

Co-Founder & CTO

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.

Company Launches

Ralo - Find Your Best Mortgage Deal 🏡

See original launch post

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 hardest parts of getting a mortgage so buyers can lock in the lowest rates with the least hassle.

The Mortgage Problem

A huge number of buyers still do not shop their mortgage, even though doing so can save serious money. The main reason is not laziness. The process is overwhelming.
High friction
Comparing lenders usually means re-entering the same information, re-uploading the same documents, and navigating multiple portals with different requirements and timelines.

Lack of know-how
Most people do not know what they can negotiate or how to compare offers. Terms like points, credits, and relationship pricing add confusion. Switching later can feel risky if it might slow down or jeopardize the deal.

Spam overload
Trying to shop for a mortgage can quickly turn into a flood of calls and emails.

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
Yes, we can negotiate. More importantly, 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
We publish our rates here: ralo.com/rates. On average, Ralo’s rates are about 0.50 percent to 0.75 percent below the market average, often with lower fees too

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.