Make a genius offer.

Get pre-approved in as little as 15 minutes

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.

4.6 Average

526 Reviews

Brain Gillespie

United States

Fast,painless and great rate and low closing costs

See Review

Kenny Coble

United States

Our customer service experience with Real Genius was nothing short of a Five Star rating. It all started with the associates at Real Genius that walked/assisted us through the seamless process. There was constant /factual communication throughout the process for our benefit. Everyone was professional, knowledgeable, courteous, responsive, and willing to assist with every detail. I would like to do a shout-out to Dean Fiore, who assisted us on getting our process started. Dean was the first Real Genius associate we communicated with and what an impression he left on us! Thank you Dean. We were then setup with Gigi DePoli, our Sr. Mortgage Banker. Gigi took us through the entire mortgage process, constantly communicating and checking in with. We felt like we were in good hands with Gigi. Gigi is very knowledgeable and has tons of experience in his position. Thank you Gigi, you always made us comfortable from start to finish. Then there was James Baxter, our Processing Manager. James ensured that our goals in the financing transaction were met. James ensured we understood every step of our loan and loan terms. We had 3 home runs with the associates that assisted us at Real Genius. Thank you Real Genius for the best mortgage experience!!

See Review

James Harris

United States

Every Thing Went Great From Start To Finish.

See Review

Samantha Krava

United States

Can’t say enough good things about Real Genius. I’ve worked with Woody Haskins for a few years and multiple home purchases, it’s always been the best experience. The Real Genius team is also extremely helpful! James went above and beyond - he worked out the logistics of purchasing a home while we lived in another state, which was at times like herding cats. But nothing I had to worry about, thankfully. They managed everything and made it so easy.

See Review

Logan Grant

United States

I worked with Patrick Moore. He was responsive, helpful, and not pushy on anything. He allowed me to lock in a low rate compared to the market average. Highly recommend.

See Review

Gail Afanador

United States

John and Chad were great!

See Review

Amit

United States

Dean was the most polite, patient, and accommodating person. He offered us best rates among the leading 6 agents/banks. Highly recommend him for his work, dedication, and help.

See Review

Brandon Donahue

United States

I had the pleasure of working with Jennifer. She was amazing to work with. Very fast and prompt with every question that I had. She seemed like she was very knowledgeable at what she does. I couldn't have asked for anybody better to work with. I'm definitely recommending more of my friends and family to work with her.

See Review

Romp

United States

Cheyenne did a great job working with the less than perfect measurements i provided. She understood that this was an initial pass for me as i gather information and come to understand and price IKEA cabinets, and how they may suit my renovation. She was flexible with this, and played along with me. It's in that openness, I found freedom to go beyond just replacing cabinet for cabinet. She also took the opportunity to let me know of the programs IKEA offers (measuring appointments, installation crew, as well as counter options) I look forward to fine-tuning my plans and putting together an official order in the very near future.

See Review

Frank Blair

United States

2 weeks! From the time that I clicked enter on my computer to submit the online application until I signed the closing papers in my kitchen sitting at my own table took only 2 weeks! The entire process could not have been any more simple and smooth. They would send me an email every time that a document was requested and I would have it uploaded with a confirmation of receipt in less than 24 hours. The phone communication and the level of professionalism was very comforting. This was the quickest, easiest and most worry free closing that I have ever been involved in! The closing attorney took their time explaining every paper that I was signing and was happy to answer any questions that had. I highly recommend them and I will definitely use them again when needed!

See Review

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:
Download our guide:

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

Get smart.