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to refinance.

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Extinguish high interest debt

Leverage your equity


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Musings from our geniuses.

4.6 Average

519 Reviews

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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United States

We had a great experience working with the Real Genius team.

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United States

Predictable process and clear communications keeping you always informed of where you are and what cones next and when. Competitive rates.

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Xiaoming Ma

United States

The service was very professional. I will recommend them to my friends.

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Manoj Patel

United States

great service,best price

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Norman Sorenson

United States

The staff was very helpful to get me moved along to complete this Refinance. Everything turned out great and I am thankful for all the help directed in our behalf.

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United States

Lenders were knowledgeable and on top of requirements, closing was done on time. Great rates if you have good credit.

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Tyler Phillips

United States

Working with Real Genius was smooth from start to finish and I highly recommend them in a heartbeat! We closed 10 days earlier than intended (which is rather miraculous if you ask any real estate agent in our area). Our mortgage banker Ryan, loan processor Justin, and the entire supportive team were all a pleasure to work with and so efficient at what they do - as soon as an update came in, we were made aware immediately. My real estate agent is one of the highest performing in the state of FL and he too was impressed. They adjusted to and understood our special circumstances which relied on expertise in having done this for a long time. Rates were as low as we can find and didn't require heavy negotiation. They made us very welcomed as new customers.

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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.