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AFFORDABILITY CALCULATOR

Find a home that fits your budget.

Pick a desired payment or enter your income to see what you can afford.

LOAN OPTIONS

How soon do you want to buy?

No matter where you're at we can help.

I found my home and need a loan

Apply online to find a mortgage as dreamy as your home, takes as little as 10 minutes.

I want to start looking for a home

Every house hunter needs a pre-approval letter. Luckily you can get one from us for free.

I want to research the process

Get smart on how to navigate the homebuying process and see what you qualify for.

REVIEWS

Musings from our geniuses.

4.9 Average

676 Reviews

Kyle

United States

Dylan and Mary were great from the beginning of our loan process to the final closing. They communicated regularly and went above and beyond to help us close early. We were happy with our rate and cost of the loan and customer service was great.

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Armando Sanchez-Avila

United States

Service, good communication, always respond my calls and explain every detail of the process

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Adam M

United States

I had a great experience working with Dylan on my home loan. He was approachable, knowledgeable, and collaborative throughout the process. He explained things clearly and patiently, offered competitive terms, worked closely with his internal team, and helped close the loan on a very tight timeline. I also appreciated how he balanced both customer needs and lender requirements professionally.

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Joe Graves

United States

I was nervous about using an online mortgage broker, but I wouldn’t hesitate to use Real Genius again. The entire process was as seamless as it could be. The team was responsive, efficient, and extremely organized. The title company said they had never heard of Real Genius but went out of their way to share how fast and thorough the information flow was. I just can’t say enough about how easy they made the process and, most importantly, every number at closing was almost exactly what they said it would be in the initial quote.

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Kirk Hinze

United States

Had a great experience. Better than any bank I’ve worked with thus far. I worked with Dylan Arnold and he was very helpful and always kept me in the loop.

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Gaith Moqpil

United States

Dean was outstanding to work with throughout the entire lending process. He was professional, knowledgeable, and always quick to respond whenever I had questions. He made everything simple and easy to understand, and his communication was excellent from start to finish. I truly appreciate his hard work and dedication.

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Billy Mullenaux

United States

Great rate and fantastic company to work with.

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Jay Olt

United States

Matt was fantastic and helped me throughout the whole process.

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Tatiana

United States

Worked with Dylan Arnold, great experience. Dylan was very helpful, always immediate response, very professional, happy with the transaction. Thank you, Dylan.

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J&T

United States

Eddie was great. He was proactive and attentive to our needs. He was able to quickly answer questions and worked hard to get us the best loan he could for us. I highly recommend him and his team! (and yes this is a real review)

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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.

Get pre-approved

You can’t make a serious offer on your dream home without a pre-approval letter. Get one from us in the same day.

See rates and payments

Want to see how much your payment will be? Your answer is one click away.

Wanna see more? Check out our rates.

KNOWLEDGE BOMB

First-Time Homebuyers

10 things you should know

Avoid common mistakes of First-Time homebuyers.

Learn how to:
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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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