{"id":90291,"title":"Ralo - Find Your Best Mortgage Deal 🏡","tagline":"America’s first mortgage platform built to help homebuyers save time, money, and stress.","body":"Hey everyone, we’re [Arjun](https://www.linkedin.com/in/arjun-lalwani/) \u0026 [Helly](https://www.linkedin.com/in/hellyshah/), co-founders of Ralo. 👋\n\n**TL;DR**\\\n[Ralo](https://ralo.com/) **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.\n\n# **The Mortgage Problem**\n\nA 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.\\\n**High friction** \\\nComparing lenders usually means re-entering the same information, re-uploading the same documents, and navigating multiple portals with different requirements and timelines.\n\n**Lack of know-how** \\\nMost 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.\n\n**Spam overload** \\\nTrying to shop for a mortgage can quickly turn into a flood of calls and emails.\n\n# **What Ralo Does**\n\nRalo reimagines how mortgages work.\n\n**One form. One Workflow.** \\\nYou fill out one application. We keep everything organized and guide you from pre-approval through closing.\n\n**Lowest Rates From the Start** \\\nYes, 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.\n\n**Zero Spam**\\\nWe protect buyer data and only share what is necessary, so getting a mortgage does not become an inbox nightmare.\n\n**Proof in the Rates**\\\nWe publish our rates here: [ralo.com/rates](https://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\n\n# **Our Ask**\n\nKnow someone buying a home? Send them to [ralo.com](https://ralo.com). It could help them save thousands.\n\nKnow 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**](mailto:founders@ralo.com)\n\nWant to support? A follow or shoutout on [LinkedIn](https://www.linkedin.com/company/approval-ai/) means the world.\n\nThanks so much for your support. It makes a big difference to us!\n\n# **The Team**\n\nRalo was founded by ex-Google and first time homebuyers in different cities who bonded over how confusing, expensive, and frustrating getting a mortgage was.\n\n[Arjun](https://www.linkedin.com/in/arjun-lalwani/) (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.\n\n[Helly](https://www.linkedin.com/in/hellyshah/) (CTO) — previously worked on Google Maps, leading features that improved lane guidance \u0026 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.","slug":"NUJ-ralo-find-your-best-mortgage-deal","created_at":"2025-05-12T15:14:18.908Z","updated_at":"2026-05-25T01:56:02.810Z","total_vote_count":1251,"url":"https://www.ycombinator.com/launches/NUJ-ralo-find-your-best-mortgage-deal","share_image_url":"//bookface-static.ycombinator.com/assets/ycdc/yc-og-image-c440a0ad1dacfb86eeeb343717479cc54d256614449b4ef719977a0a451f8bc8.png","company":{"id":30426,"name":"Ralo","slug":"ralo","url":"https://www.ralo.com/","logo":"https://bookface-images.s3.amazonaws.com/small_logos/fd1079ebae09b6f3c1cfa789bc4e9fa9c80c8537.png","batch":"Spring 2025","industry":"Fintech","tags":["Artificial Intelligence","Fintech","Consumer"],"search_path":"https://bookface.ycombinator.com/company/30426"}}