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

Play Video
White wave

CALCULATE A PAYMENT

Math. It saves you money.

Don't worry we've got the tools to help.

REVIEWS

Musings from our geniuses.

4.6 Average

557 Reviews

Stephanie

United States

I had a fantastic experience with Real Genius. As a single, first-time homebuyer working an average of four - 12 hour shifts during the work week and well into overtime on weekends, the home-buying process was overwhelming. Thankfully I found Real Genius with Dean Fiore to assist me. He made himself accessible through multiple modes of communication while I was at work. Dean even made himself accessible outside working hours to ensure all questions were answered and every step of the process was understood when I finally had time to focus on how to proceed. During offerings, Dean worked directly with my realtor while I was wrapped up at work to make sure everything was moving as it should for the VA loan's requirements. Under processing, John Capone coordinated with Dean to adapt to my unruly schedule. John and Dean coordinated with me flawlessly to ensure everything was submitted and wrapped up in a beautiful bow came closing date. I cannot thank Dean and John enough... It was a true team coordinated effort and experience. If you work a busy career, Real Genius will adapt to you to ensure buying a home is actually understood and possible!

See Review

Sara Marker

United States

always willing and able to go the extra mile to make sure their clients are fully aware of all offers, features, and prompt return of messages.

See Review

Normand Hébert

United States

I chose this company and specifically Dean fiore because a friend of mine had worked with him a number of times. I could not be happier with the overall experience. Dean is extremely friendly and detail-oriented and John Capone is the same. The process was quick and seamless and went together faster than I imagined. Notary came to our house to close and it was done. One of the easiest refies I have ever done in my life and was surprised at how low the cost was. Will absolutely keep their information on file and recommend them to my friends.

See Review

That Guyy

United States

Talked to Rod about a few plans i would like to do with my house and well he gave me so much info on the topic. It was kinda like taking a short class talking to him he had so much info for me to take in. Id recomend this guy always!

See Review

Matt

United States

Very knowledgeable, kind, patient, and non-pushy agents. They give you the best rate straight up without making you argue/heckle for it.

See Review

Andrea Stirdivant

United States

I've worked with Real Genius on 3 mortgages now and they always deliver. They are competitive and will go above and beyond to give you the best rates and with no delays on closings. Pat Moore made himself available to communicate with me throughout the process and via text or after business hours if I needed him. Their portal makes it easy to securely share documents and move through the process quickly. I will absolutely use them for future home purchases! Fantastic company and awesome team of folks to work with!

See Review

HNGUYEN INVESTMENT LLC

United States

Chris Meyer is the BEST!

See Review

Da Ro

United States

I had a great experience working with Joel and the entire team there. They were very knowledgeable and helpful throughout the entire process. While, my personal experience caused a lot of details and paperwork, I must say they were right there to answer any questions. I was offered a competitive interest rate, and the closing costs were reasonable. I would most definitely recommend Real Genius to anyone looking for a mortgage.

See Review

Vivek

United States

Good Exp, not at all stressful. Thank you William Hutto for making it such a smooth process for everyone involved.

See Review

April Williams

United States

The agent that helped me was super helpful. He walked he through the price and was willing to answer any questions. Real Genius was able to get me a lower interest rate than what I was first offered by another company. I stitched to Real Genius real quick!

See Review

Request your personalized rates in seconds.

OUR PROCESS

The easy way to mortgage.

See Instant Rates

No hassles. No hurdles. You see what we see 24/7 on any device.

Apply Online

Get Approved

Receive Funds

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

Get Pre-Approved​

Make a homebuying offer that counts

Get pre-approved in as little as 15 minutes

KNOWLEDGE BOMB

Save thousands: Spot the
Hidden costs of your mortgage

A lower rate doesn’t always mean a lower cost.

Learn how to:

Download our guide:

FROM OUR BLOG

Get smart.