Mortgages

Real Genius Mortgage review: enjoy competitive rates

Genius Mortgage will help you achieve homeownership fast! Enjoy a user-friendly mobile app to help you with your process! Read on!

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Real Genius Mortgage: Get the best-personalized service!

Real Genius Mortgage logo
Real Genius Mortgage review! Source: The Insider Advisor

Are you in the market for a mortgage but still did not find a lender? Then don’t look any further than this Real Genius Mortgage review!

Real Genius Mortgage logo

Real Genius Mortgage: how to apply

Learn how to get started and apply for Real Genius Mortgage today! Enjoy full support and competitive rates!

Real Genius offers great customer service and a full online application and prequalification. So keep reading a learn more!

Credit Score620 or higher;
Loans OfferedConventional, Fixed and Adjustable rates; Jumbo; FHA, VA and Refinance;
Minimum Down PaymentNot disclosed;
APRPrequalify for personalized rates;
Terms10 up to 30-year terms.

Real Genius Mortgage review: what you need to know

Real Genius Mortgage is a division of FirstBank based in Nashville, Tennessee. It was formerly known as ConsumerDirect Mortgage.

Present in 49 states in the U.S., the lender offers both purchasing and refinancing options between their products.

Furthermore, Real Genius is known for offering good mortgage solutions for its clients.

Its application process is fully online, documentation included! But you may not find much information online about rates and fees.

Their rates and terms vary depending on your state, credit score, and other criteria. The lender then chooses a more personal approach.

Real Genius Mortgage main features

Happy male writing positive mail to client
Real Genius Mortgage main features! Source: FreePik

As you have seen in this review, the big advantage of Real Genius Mortgage is its variety of loan types.

Also, mortgage rates have very good flexible terms.

Also, you must know that not all products and terms are available in all states.

We cover the main features of Real Genius Mortgage next. Then keep reading, and don’t miss out!

Pros

  • Online application;
  • Prequalification with a soft credit check;
  • Good range of loan options;
  • Repayment terms flexibility;
  • Many educational resources on the website.

Cons

  • Do not offer USDA loan options;
  • They don’t operate in Maryland and U.S. Territories;
  • Do not disclose requirements on the main page;
  • Not all the products are available in all covered states.

Credit score required to apply

Just like other lenders, the minimum credit score to apply for Real Genius Mortgage may vary depending on the mortgage type you’re looking for.

Thus, you’ll need a minimum credit score of 620 to qualify for Real Genius Mortgage.

You can make an easy online prequalification, giving information like your home state and the value of the property you intend to buy.

After that, and if you are prequalified, the company will give a most personally focused approach.

Real Genius Mortgage application process: how does it work?

This Real Genius Mortgage full review has brought an excellent option! They offer an easy way to apply for its products.

You must give your information, including your home and your financial situation.

Also, it is worth mentioning that the process is fully online! It makes things easy, right?

So if you want to learn more about enjoying its features, see how to apply for Real Genius!

Real Genius Mortgage logo

Real Genius Mortgage: how to apply

Learn how to get started and apply for Real Genius Mortgage today! Enjoy full support and competitive rates!

About the author  /  Luis Felipe Regueira

I needed to learn about finances when I was in culinary school and wanted to save money to start my own business. So I haven't stopped because I believe studying and writing about the topic can help more people achieve their goals. Currently, I write about finances and run a small coffee shop.

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