Find the savviest way
to refinance.

Increase savings

Extinguish high interest debt

Leverage your equity


Math. It saves you money.

Don't worry we've got the tools to help.


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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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.


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.


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.

Wanna see more? Check out our rates.


Get smart.