Real Genius Review 2023 | US News


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Min. Credit Score
Min. Down Payment
Min. Credit Score
Min. Down Payment
Min. Credit Score

Real Genius offers a range of home loan options:

  • Conventional mortgages.
  • Fixed-rate mortgages.
  • Adjustable-rate mortgages.
  • Jumbo loans.
  • Federal Housing Administration loans.
  • Department of Veterans Affairs loans.
  • Refinancing.

You can apply for a loan from Real Genius online by providing information about yourself, your home needs and your financial situation. You’ll also need documents such as recent pay stubs, tax returns and bank account statements to complete the application process, and you can get help from one of Real Genius’ mortgage experts. Loans from Real Genius can close in as little as 14 days.

Customers considering Real Genius can get rate quotes online by providing their ZIP code, home purchase price, credit score range and other information. The rate quote includes a fee breakdown, and you can check rates for a variety of loan terms and types.

Homebuyers can check rates for five-, seven- and 10-year adjustable-rate mortgages from Real Genius. You can also check rates for fixed-rate mortgages with 10-, 15-, 20-, 25- and 30-year terms. VA loans can come with up to 100% financing, while you may need to make a larger down payment for a jumbo loan.

According to the lender, most borrowers get a credit on third-party closing costs.

Real Genius doesn’t disclose its minimum credit score. You can take steps to get your credit score in shape before applying for a mortgage. FHA loans can be a good option for borrowers concerned about their credit score, income or down payment.

Real Genius offers loans in 49 states and Washington, D.C. Loans are not available in Maryland.

Real Genius has an overall 4.5-star rating out of 5 from U.S. News, with 4.3 stars for affordability, 4.3 stars for customer service and 5 stars for eligibility. The median for mortgage lenders in U.S. News’ ratings is 4.2.

How Is Real Genius’

Borrowers can get preapproved, apply, upload documents, access their accounts and make payments online. You can also get in touch with one of Real Genius’ mortgage experts during the application process.

  • People who are seeking a lender in any state besides Maryland.
  • People who are comfortable applying for a mortgage online.
  • People who are seeking a lender credit for closing costs.


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