The smart way
to mortgage.

$5,000 saved on average in lender fees compared to the top 5 lenders*

Great rates and fast closings

Trusted by 50,000+ homeowners

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REVIEWS

Musings from our geniuses.

4.9 Average

653 Reviews

Dimitri Marinos

United States

I had Matt gray as my agent and from start to finish he performed accurately and quickly. 5 stars

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R Sanchez

United States

Dean Christopoul was very patient with me as I wanted to wait until rates hit a particular value. He wasn’t pushy and simply let me know when it occurred several months later. He explained the entire process, all the terms and was very responsive when I had questions. Closing was a breeze and the attorney came to my house to sign the papers. Pleasant and easy process and I asked him to reach back out if rates drop again. 100% recommend!

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Drew Stevens

United States

Matt with RealGenius made this experience actually enjoyable which is not something you normally think of when it comes to refinancing your home. Can’t recommend RealGenius enough. If you are on the fence about a lender, take this review and my personal account and just go with RealGenius you’ll be happy you did.

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Alex B

United States

Eddie is super responsive and professional and gave me his best offer up front instead of playing games an wasting time.

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Justin

United States

RealGenius was able to lower our interest rate a full point! Their team was easy to work with via phone calls and emails, and the closing went very smoothly!

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Matt

United States

Dean, Misty and Kimberly were true pros! They responded quickly to questions and were available whenever I needed anything. They closed on time and as promised. I would use them again for a future loan.

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Kyli Holloman

United States

Eddie and Misty did such an amazing job guiding me through this entire process!! Glad to have been able to use real genius for my first home purchase.

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Harry Goodwin

United States

Matt Gray was fantastic to work with. Matt answered all my questions as my mortgage broker. Trey, my closer, was very knowledgeable. I've sold a number of homes in my day and he was great. I would recommend them Both. Harry Goodwin

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AB

United States

Easy process from start to finish.

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Rajkumar

United States

The refinancing experience was incredible and truly top-notch with team - Dean, Nate & Kimberly. The entire process completed in a month, and was clean, quick, and seamless, without a single hurdle at any given point. A huge thanks to Dean for his quick responses, availability, transparency, and clear explanations throughout. The way he guided and handled everything made the process feel extremely simple, confident, and comfortable. I also want to appreciate Nate and Kimberly for their all their support behind the scenes—everything was well coordinated, timely, and professionally managed from start to finish. Overall, it was a wonderful experience working with this team, and I truly appreciate how smooth and stress-free they made the entire refinance process. Thank you Team!

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OUR PROCESS

The easy way to mortgage.

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WHAT MAKES US DIFFERENT

Why Geniuses choose us

It's not just our low rates and charming personalities.

115 years  and still growing strong

Low Rates

115 years  and still growing strong

How? We invest in technology that helps us fund loans fast and keep our expenses low which allows us to pass the savings on to you.

Because Saving Money Matters

115 years  and still growing strong

We can potentially save you up to $5,000 in lender fees compared to the top 5 lenders in the nation. We accomplished this by having an incredible loan team and efficient technology. What could you do with $5,000?

115 years  and still growing strong
115 years  and still growing strong

Smart Options

115 years  and still growing strong

Most people focus just on the payment and the rate. Smart money looks at the entire financial picture and figures out how to best leverage the cash, including the total cost of the loan.

LOAN OPTIONS

How can we help ?

No matter what we've got you covered.

Take Cash Out

Renovate your home

Pay down high interest debt

Lower My Rate

Save for retirement planning

Increase monthly cash flow

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KNOWLEDGE BOMB

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Hidden costs of your mortgage

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