I want to
Buy a home
See Today's Mortgage Rates
personalized rates from Real Genius in 15 seconds
See Today's Mortgage Rates
personalized rates from Real Genius in 15 seconds
I want to
Refinance
Refinance
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Why choose Real Genius?
Crazy Low Rates
Because we modernized the mortgage process through our easy to use technology that we are able to provide you industry leading rates, all day every day.
Online or Over the Phone
If you prefer an online experience we've got you covered. If you prefer to chat with one of our friendly bankers, give us a call at (888) 246-5906 .
Thousands of 5 star reviews
Great client service isn't an accident. Here's our secret: we hire smart people who care about others.
We're Mortgage Nerds
Real Genius gets real nerdy about creating the fastest, cheapest loan process for our clients. We actually love doing loans, And because we love it, we get it done quickly, accurately, and we do an embarrassing dance when we get one done.
Trusted by thousands, who've saved millions.
Don't take it from us, take it from them.
Michael Huber from Consumer Direct was great to work with! We were lucky to work with him when we first purchased our home and were so satisfied with his customer service, responsiveness, professionalism, and work ethic that we not only recommended him to our family members but decided to reach out to him directly when we decided to refinance our home.
San Antonio, TX - Rocio G
I have always used a brick & mortar lender in my city. But times have also changed... I could not have been more pleased with the process, rate, low fees and support from Charles!! He made the process seamless and the online platform was easy to navigate. Without a doubt, would recommend to family and friends!
Collierville, TN - Papugh
More Reviews from Trusted 3rd Parties.
See Personalized Rates in 30 Seconds.
How Real Genius works.
Ready to go whenever you are, in the palm of your hand.
Get Instant Rates
Available 24/7, our online rate tool can serve up detailed rate quotes in seconds.
Apply Online
Provide Documentation
Close Your Loan
Lower My Rate
Take Cash-Out
Get Pre-Approved
But wait, there's more.
Payoff Faster
With today's historically low rates it may be easier to pay off your loan faster so you can enjoy a mortgage free life sooner. Take a look at our rates and see what option works best for you.
Low Down Payment
Cash flow is king. You want to have enough liquidity after you buy your house to make it feel like home. We have loan options that enable you to put down as little as 3.5% of the purchase price.
What type of loan is right for me?
A few tips to help you choose.
Fixed
Fixed rate loans are the most common type of loan and are best when you plan on staying in your home for an extended period. These loans offer stability in the form of a consistent monthly payment with no rate changes.
Adjustable
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
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.
FHA
If you are worried about your credit score, income or ability to make a down payment an FHA loan may be the right fit and help you get a loan.
VA
VA loans are available to qualified veterans and service members that may offer better rates, fee's or no down payment options depending on what you're looking to do.
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