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AFFORDABILITY CALCULATOR

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LOAN OPTIONS

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REVIEWS

Musings from our geniuses.

4.9 Average

657 Reviews

Jesse Shaffer

United States

Real genius was able to beat any other lender I had found. Dean, the mortgage officer was very communicative throughout the process. Trey and the closing team kept up the attentiveness for an overall smooth and easy refinance.

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Tyler

United States

Pat at Real Genius is great, we just signed my second deal with him, and there's a reason I kept his number. Keeps me in the loop, but not annoying, and feels like a colleague and consultant, not like he's jamming a product down my throat that only he benefits from.

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Brett

United States

We had a fantastic experience working with this team during our refinance. From start to finish, they were incredibly professional, responsive, and easy to work with. They took the time to clearly explain every step of the process, answered all of our questions with patience, and made what could have been a stressful experience feel smooth and manageable. We really appreciated how transparent and thorough they were...there were no surprises, just consistent communication and genuine care for our situation. It was clear they had our best interest in mind the whole time. Thanks to their help, we were able to refinance with confidence and peace of mind. We’re so grateful for their guidance and would highly recommend them to anyone looking for a trustworthy and knowledgeable mortgage team!

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SWatts

United States

Dylan and the Real Genius team were professional, responsive and processed my loan quickly. And I got the best mortgage rate after shopping virtually every other source. Would definitely recommend.

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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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HOME BUYING

Purchase your dream home.

See how much you can afford

Discover your purchasing power so that you can search for a home that fits your budget.

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See rates and payments

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Wanna see more? Check out our rates.

KNOWLEDGE BOMB

First-Time Homebuyers

10 things you should know

Avoid common mistakes of First-Time homebuyers.

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BUYING OPTIONS

Other ways you can buy a home.

Investment

Finding the right mortgage partner is critical in buying an investment property. Our experts can help.

Second Home

Buying a second home can be rewarding, investing wisely is where we can help.

AirBnB Rental

Our team can help you get a low rate so that you can maximize the profits on your Airbnb rental.

LOAN OPTIONS

What type of loan is right for me?

Fixed

Fixed rate loans are the most common type of loan and are best when you plan on staying home for an extended period. These loans offer stability in the form of a consistent monthly payment with no rate changes.

Adjustable

Adjustable rate loans may be a good fit if you plan to keep the home for only a short amount of time. These loans have fixed rate for a limited amount of time in the beginning and then regularly adjust after that period ends. As a result the payment is typically lower up front but could end up being higher in the long run.

Jumbo

Jumbo loans are helpful if you plan on buying a home in a high cost area. These loans typically have a higher rate than your standard loan but allow you to borrower more money.

FHA

If you are worried about your credit score, income or ability to make a down payment a Federal Housing Authority (FHA) loan may be the right fit and help you get a loan.

VA

Veterans Administration (VA) loans are available to qualified veterans and service members that may offer better rates, fees or no down payment options depending on what you’re looking to do.

FROM OUR BLOG

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