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to mortgage.

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

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REVIEWS

Musings from our geniuses.

4.9 Average

638 Reviews

Sam

United States

It was easy working with Real Genius to refinance an investment property. The mortgage banker I worked with Erik Elsasser was helpful and communicative. Thanks!

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Bryan

United States

Pat was great to work with and communicated during the entire loan process. He was available and able to answer questions and resolve issues throughout the process. Process was smooth and closing was completed by anticipated date. Would definitely recommend using real genius and their team for any refinance or mortgage loan needs.

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Mike Clayton

United States

I was able to choose any lender I wanted but chose Real Genius because the professionalism of Dylan Arnold. He answered all my questions and was available anytime I called or texted. Dylan had good personality and his knowledge and most importantly, his transparency was unmatched. I appreciate Dylan and will use him with any future mortgage loans I obtain. Thanks Dylan for making this an enjoyable and expeditious experience.

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Annie Kalama

United States

Personalized service. Dean was so easy to work with and always available to answer questions. He even checked in on me several times to give updates on the waiting process.

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Patrick Hussey

United States

I can’t say enough good things about my experience with Real Genius. I was in the middle of a refinance with another company that had dragged on far too long and was riddled with issues, delays, and poor communication. I was frustrated and honestly skeptical that switching lenders so close to the holidays would work. Then I spoke with Matt. From the very first call, he was calm, confident, and reassuring—despite the fact that I was initiating the process just one week before Christmas. He walked me through everything clearly on the phone, laid out exactly what would be needed, and set expectations around timing that, frankly, sounded almost too good to be true. And somehow, they exceeded them. The Real Genius team was incredibly responsive and proactive, even through the holidays. They reached out promptly when they needed information, communicated clearly at every step, and worked seamlessly—even on Christmas Eve and New Year’s Eve. At a couple of points, the process was so smooth and efficient that I actually double-checked to make sure it wasn’t a scam. We submitted the application on 12/17 and closed on 12/30. Unbelievable. On top of that, the interest rate was significantly lower than any other quote I had received. The combination of speed, transparency, responsiveness, and value was unmatched. I would work with Matt and Nate again without hesitation—1000 times over. If you’re looking for a mortgage team that actually does what they say they’ll do (and then some), Real Genius is it.

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Bomzy

United States

I will definitely recommend to friends!

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Greg

United States

This application process was very fast, easy, and smooth thanks to my Loan officer Matt Gray. Communication was quick, easy, and smooth and the had the good to close ready a couple weeks before closing.

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Akaolisa Eziokwu

United States

It was a very pleasant experience working with Matt Gray. He was both very personable and professional, and he helped us navigate the refinance process seamlessly. He got us a very competitive rate and we closed within 1 month.

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Anil Ganteti

United States

Real Genius made my mortgage process seamless. Rod Davis stood out for the time and patience he gave at every step, clearly explaining options and answering all my questions. I truly felt supported and confident throughout the entire process.

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Praveen Jakabal

United States

We sincerely thank Real Genius Team for demonstrating professionalism, patience & support throughout our home loan process. They took the time to explain every step clearly, answered all our questions promptly, and made what could have been a stressful experience feel smooth and manageable. I would highly recommend Rod Davis to anyone looking for a mortgage officer who goes above and beyond for their clients. We felt confident knowing he was guiding us through the entire process with his industry knowledge & expertise.

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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

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