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Real Genius is good for borrowers who appreciate rate transparency and want lender credits to help lower some costs.
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Loans offered
Conventional, jumbo, FHA, VA, fixed-rate, adjustable-rate; rate-and-term and cash-out refinancing; investment property
Min. credit score required
620 for conventional loans, 600 for FHA loans
Nationwide availability
Available in 38 states (not available in California, Delaware, Hawaii, Indiana, Missouri, Montana, Nevada, New Jersey, New York, Rhode Island, Utah and Vermont)
NMLS: 2389303
4.6
Bankrate Score
Loans offered
Conventional, jumbo, FHA, VA, fixed-rate, adjustable-rate; rate-and-term and cash-out refinancing; investment property
Nationwide Availability
Available in 38 states (not available in California, Delaware, Hawaii, Indiana, Missouri, Montana, Nevada, New Jersey, New York, Rhode Island, Utah and Vermont)
Min. credit score required
620 for conventional loans, 600 for FHA loans
Convenient rate quote estimate that doesn’t require sharing name and email address
Excellent past customer reviews and an A+ rating from the Better Business Bureau
Majority of loans include lender credit to help cover third-party costs
Borrower requirements not listed online
No USDA loans
Real Genius is good for borrowers who appreciate rate transparency and want lender credits to help lower some costs.
Real Genius’ mortgage rates are competitive against Bankrate’s averages, easily accessible online and updated regularly. You can obtain estimates based on the amount you’re looking to borrow, your credit score, the type of property and its location without sharing your personal details. The lender’s origination fee runs $675, but lender credits typically offset this cost.
Real Genius is available in most states and maintains branch locations in the Southeast. It offers conventional loans as well as some government-insured loans (FHA and VA), along with options to refinance your existing mortgage. It also offers jumbo loans and help with investment property financing.
Real Genius has been in business for 10 years (originally as ConsumerDirect Mortgage) and is accredited by the Better Business Bureau with an A+ rating. The lender was acquired by FirstBank in 2013. It has worked with more than 51,000 borrowers to date on $16 billion in loans. Along with the ability to see custom rate quotes in real time, Real Genius’ technology streamlines the process to allow for faster closings and lower costs. If you have questions about a mortgage, you can call 855-790-7811.
Real Genius offers both rate-and-term and cash-out refinancing options, and rates are advertised on its website. With a cash-out you might be able to tap up to 80 percent of your home’s value (more if you’re doing a VA refinance).
NMLS: 2389303
4.8
951 ratings
This lender has 0 reviews.
95% of customers would recommend this lender.