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.

4.9 Average

644 Reviews

Rajkumar

United States

The refinancing experience was incredible and truly top-notch with team - Dean, Nate & Kimberly. The entire process completed in a month, and was clean, quick, and seamless, without a single hurdle at any given point. A huge thanks to Dean for his quick responses, availability, transparency, and clear explanations throughout. The way he guided and handled everything made the process feel extremely simple, confident, and comfortable. I also want to appreciate Nate and Kimberly for their all their support behind the scenes—everything was well coordinated, timely, and professionally managed from start to finish. Overall, it was a wonderful experience working with this team, and I truly appreciate how smooth and stress-free they made the entire refinance process. Thank you Team!

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Olumide Aluko

United States

Working with Eddie Eusebio was an outstanding experience from start to finish. He called me right away after I submitted my loan application and was incredibly courteous, responsive, and professional throughout the entire process. He worked hard to get me the best deal possible and was always honest and transparent. He took the time to explain every step and patiently answered my many questions without ever making me feel rushed. What impressed me most was that he truly had my best interest at heart. When I had to walk away from a signed contract after the appraisal, he was supportive and encouraged me to make sure I was choosing the right home — he was never pushy. The loan processor and closing team at Real Genius were also fantastic to work with. The whole process felt smooth and well-managed. Eddie is simply awesome, and I highly recommend him and Real Genius to anyone looking for a trustworthy and dedicated loan team!

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bryan pierik

United States

Matt Gray was a pleasure to work with. Very knowledgeable and friendly and had the best rate we could find.

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Isaiah Humphrey

United States

Dean, Nate, and Lori made this happen fast and it was a great experience. Was able to get a great rate, they were always there for a phone call when I had questions. 100% recommended.

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Sofo M

United States

Refi’d our home in NC with real genius recently, the team, especially Dylan, were always available to answer questions and helped facilitate a smooth closing!

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Schyler Zolman

United States

Matt Gray did an amazing job and was true to everything he said! I was blessed to find an honest and supportive mortgage banker! Thank you to him and the entire Real Genius team! Trey Estes was also great to work with and went above and beyond for me. Being a first time buyer I had no clue what I was doing but I can honestly say I am confident and happy with choice I made to have them be apart of it! Thank you guys!

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Sam

United States

It was easy working with Real Genius to refinance an investment property. The mortgage banker I worked with Erik Elsasser was helpful and communicative. Thanks!

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Bryan

United States

Pat was great to work with and communicated during the entire loan process. He was available and able to answer questions and resolve issues throughout the process. Process was smooth and closing was completed by anticipated date. Would definitely recommend using real genius and their team for any refinance or mortgage loan needs.

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Mike Clayton

United States

I was able to choose any lender I wanted but chose Real Genius because the professionalism of Dylan Arnold. He answered all my questions and was available anytime I called or texted. Dylan had good personality and his knowledge and most importantly, his transparency was unmatched. I appreciate Dylan and will use him with any future mortgage loans I obtain. Thanks Dylan for making this an enjoyable and expeditious experience.

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Annie Kalama

United States

Personalized service. Dean was so easy to work with and always available to answer questions. He even checked in on me several times to give updates on the waiting process.

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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.

FROM OUR BLOG

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