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to refinance.

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Extinguish high interest debt

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Musings from our geniuses.

4.6 Average

526 Reviews

Brain Gillespie

United States

Fast,painless and great rate and low closing costs

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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!!

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James Harris

United States

Every Thing Went Great From Start To Finish.

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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.

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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.

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Gail Afanador

United States

John and Chad were great!

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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.

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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.

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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.

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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!

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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.