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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.

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

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


Musings from our geniuses.

4.7 Average

622 Reviews

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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Kendall Krause

United States

Seamless and easy process with Real Genius! Mike and James were easy to communicate with and extremely responsive. Being a first time home buyer, I was especially appreciative of the updates and guidance of next steps throughout the process.

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Andrew Karasik

United States

Competitive rates, responsive service - closed within 30 days.

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Joseph Saferian

United States

Brian Gillespie made the process of purchasing a breeze.

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United States

Brian G got me the best rate and coached me through the process. Closing was a smooth process too. I'd happily recommend Real Genius to my friends and family.

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Amanda laurence

United States

excellent company. Mr. Mike Eller was the best! when a bank wouldn't even try to give me an FHA loan, he worked hard and got me an FHA loan. He was always available to answer all of my 100's of questions. Walked me through every step. This was my first time buying a house. I've always heard buying a house is very stressful and it is. But Mr. Mike and John made it as less stressful as possible. I highly recommend this company to anyone that's buying a home.

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sreeja reddy

United States

I worked with Mike & Team for my loan process. They gave me the best interest rate in the market & made the process smooth as butter. Will definitely recommend Real Genius to everyone. Mike’s team was always reachable whenever I had any little doubt with any of the paper work. One of the best in the market.

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Randy Northcutt

United States

Quick, easy and very helpful service!

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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.


First-Time Homebuyers

10 things you should know

Avoid common mistakes of First-Time homebuyers.

Learn how to:
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Other ways you can buy a home.


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.


What type of loan is right for me?


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 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 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.


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.


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.


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