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

649 Reviews

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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Olumide Aluko

United States

Working with Eddie Eusebio was an outstanding experience from start to finish. He called me right away after I submitted my loan application and was incredibly courteous, responsive, and professional throughout the entire process. He worked hard to get me the best deal possible and was always honest and transparent. He took the time to explain every step and patiently answered my many questions without ever making me feel rushed. What impressed me most was that he truly had my best interest at heart. When I had to walk away from a signed contract after the appraisal, he was supportive and encouraged me to make sure I was choosing the right home — he was never pushy. The loan processor and closing team at Real Genius were also fantastic to work with. The whole process felt smooth and well-managed. Eddie is simply awesome, and I highly recommend him and Real Genius to anyone looking for a trustworthy and dedicated loan team!

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bryan pierik

United States

Matt Gray was a pleasure to work with. Very knowledgeable and friendly and had the best rate we could find.

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Isaiah Humphrey

United States

Dean, Nate, and Lori made this happen fast and it was a great experience. Was able to get a great rate, they were always there for a phone call when I had questions. 100% recommended.

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Sofo M

United States

Refi’d our home in NC with real genius recently, the team, especially Dylan, were always available to answer questions and helped facilitate a smooth closing!

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OUR PROCESS

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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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