Find the savviest way
to refinance.

Increase savings

Extinguish high interest debt

Leverage your equity

CALCULATE A PAYMENT

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REVIEWS

Musings from our geniuses.

4.8 Average

628 Reviews

Andrew Paynter

United States

Our refi experience with Rod Davis was amazing. He was extremely communicative and helpful and our process went off painlessly and without a hitch. We will definitely be recommending him to friends and family.

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Galina Gut

United States

Very smooth and fast process. Portal is very user-friendly. Staff is friendly and great at communication.

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Elizabeth Randall

United States

I have FAITH. I was connected to Rod Davis and he set me up with no worries! His commitment to me was spot on. He connected me with all the right people.

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Alysa Truelsen

United States

Rod Davis could not have been more perfect through our refinance process from beginning to end. He was attentive, communicative, and answered a million questions we had. We were able to get the best rate with him out of 3 other loan estimates and it cost us the least. He kept us up to date as things progressed or changed and we could not be any happier with the end result. Highly highly recommend using Rod.

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Jesse Braswell

United States

Rod Davis with Real Genius Mortgage was an exceptional loan officer throughout my home purchase. He was incredibly knowledgeable and helped me navigate every step of the loan process with clarity and confidence. From the initial application to final closing, Rod was responsive, patient, and proactive—always making sure I understood my options and felt supported. He anticipated potential hurdles before they became issues and worked seamlessly with the VA and closing team to keep everything on track--even when we had to change the loan terms 5 days before closing. I’m grateful for his expertise and would absolutely recommend him to anyone looking for a reliable, thoughtful lending partner.

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AMANDA

United States

Working with Pat Moore was an absolute pleasure. From start to finish, he was hardworking, persistent, dedicated, and incredibly patient throughout the entire loan process. He took the time to truly listen to my needs and concerns, and he never made me feel rushed or overwhelmed. No matter how many questions I had (and there were a lot!), Pat always took the time to explain everything clearly and thoroughly. His professionalism and commitment made what could have been a stressful process feel smooth and manageable. I would highly recommend Pat to anyone looking for a knowledgeable and trustworthy loan officer. You’ll be in great hands.

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Mel

United States

Extremely Pleasant Experience! We had a wonderful experience with Rod, our mortgage loan originator at Real Genius! He is professional, friendly, knowledgeable and helpful. From our first interaction until our closing (and beyond), Rod provided total accessibility at all hours of the day, even weekends, to answer our many questions, and guide us through every aspect of our home purchasing process. His responsiveness to emails and phone calls is unmatched! When we hit some snags throughout the process, Rod had our backs and worked diligently to provide clarification and to represent our best interests. I have already referred our close family friend to him because he made the process so much easier for us. We have only positive things to say about our many interactions with him! Highly recommend him!!

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Lebeka Fox

United States

We loved real genius. We had such a great experience! They were always responsive even after hours, professional, timely and explained everything so well! And saved .5% on interest rates with no points!

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prasad kandukuri

United States

I have worked with Dean Fiore and Real Genius Team. They have given me honest feedback and the best mortgage plan that suits my requirement. They have different plans for temporary interest buy downs. The process was smooth and team push hard to deliver the loan in time. I will definitely recommend Dean Fiore and Real Genius for the mortgage options

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Albert Alvarez

United States

We’ve been very pleased working with Elyse Long both for our personal home loan as well as for several real estate clients that we’ve referred to her. She is quick to respond, thorough, quickly grasps needs and offers various solutions. I would not hesitate to work with or recommend her again.

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DEBT CONSOLIDATION

Put your mortgage to work.

High Interest Credit Cards

Credit cards typically have a much higher interest rate than a mortgage. Consolidating this debt with a cash out mortgage may lower your payment substantially.

Student Loans

In some cases makes sense to pay off your student loans using a mortgage. Talk to one of our experts to learn more.

Other Types of Debt Consolidation

Tax liens, title liens, auto loans and solar are other types of debt that may have a higher interest rate and could benefit from being consolidated into a mortgage.

HOME IMPROVEMENT

It's your home. Improve it.

Meaningful Renovations

Certain renovations have a larger impact on your home's value. Invest in your home and your happiness.

Get More for Your Money

Our low-cost loan options leave you with more money to invest in your home.

How Much Can I Take Out?

You may be able to get a loan for up to 80% of your home's value. Veterans typically qualify for more.

RATE & TERM

Other ways to Refinance

Lower Your Rate

Why pay more when you can pay less? A lower interest could save you thousands.

Achieve Debt Freedom

Retiring soon or want a debt free lifestyle? Reducing your loan term can get you there sooner.

Lower Your Payment

Need some extra space in your monthly budget? Changing your loan term could lower your mortgage payment.

*By refinancing an existing loan, your total finance charges may be higher over the life of the loan.

Wanna see more? Check out our rates.

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