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Steven Duncan made the entire loan process smooth as silk. He was incredibly responsive, detail oriented, thorough, and very clear in next steps throughout the entire loan application process. Very timely follow up on any outstanding items or issues that needed to be taken care of. I can’t say enough good things about Steven. A job very well done!

Steven D. was a pleasure to work with. He was very professional and available. He was always responsive when I needed assistance. The entire process was great. Cheers!

Steve Duncan from Real Genius was an absolute pleasure to work with. Professional, responsive, and exceptionally knowledgeable, he delivered on every promise—including securing the lowest refinance rate, exactly as guaranteed. From our first conversation through closing, Steve was always available to answer questions and guide us through the process with confidence and ease. His dedication, integrity, and outstanding customer service made what could have been a stressful experience completely seamless. We couldn't be more grateful and highly recommend Steve to anyone seeking an exceptional mortgage professional.

Dylan Arnold and Mary Ledke were both very helpful in walking me through the process of acquiring my loan for the purchase of a home. I shopped for the loan among four different lenders, and the best deal for me was with Realgenius. I wholeheartedly give my recommendation.

Eddie had great communication! Very fast, always on top of it! No surprises from the first quote!!!

Eddie was very fast and efficient and a great email communicator. We had a very ambitious timeline and were able to close in under 30 days from application to getting the keys. We appreciated his professionalism, patience, and clarity! (Not to mention, great rates!)

I had an outstanding experience with Real Genius throughout the entire mortgage process for my Bethany Beach home purchase. From start to finish, everything was handled with exceptional professionalism, efficiency, and attention to detail. Dylan was incredibly knowledgeable and responsive. He took the time to explain every option, helped me secure an excellent interest rate, and locked it in quickly. His expertise and guidance made the financing process smooth and stress-free. The Real Genius online portal was also excellent. It made it easy to securely upload all of the required documentation, track the loan’s progress, and communicate efficiently with the loan processing team. Rob did a fantastic job coordinating the underwriting process. He was always quick to communicate, clearly explained what documentation was needed, and helped ensure that everything requested by the underwriter was submitted promptly. Lori was outstanding during the final stages of the transaction. She stayed on top of every detail, coordinated seamlessly with the title company, and made sure all of the closing documents were completed and delivered on time. Her organization and follow-through gave me complete confidence that everything would be ready for closing. Buying a home can be a stressful experience, but the entire Real Genius team made the mortgage process remarkably smooth and efficient. Their communication, professionalism, and commitment to customer service exceeded my expectations. I highly recommend Real Genius to anyone looking for a mortgage lender. It was truly a pleasure working with their team, and I hope to refinance my primary residence with them in the near future.

Pat Moore was amazing to work with. When I was first just calling around to get an idea of who to go with for a lender, Pat was informative without being pushy. This was actually what helped me decide to go with RealGenius. I can honestly say, that I did not feel stress with the whole home buying process and it was largely because of Pat and the team.

They have been wonderful and very helpful through the whole process. They were very patient and answered a lot of my questions. When I run into a problem, they were very quick to handle it. It’s my first experience with mortgage with Real Genius from May to June.

I had a really great experience refinancing with Real Genius, and I wanted to share it in case it helps others too. What stood out to me the most was how understanding and supportive the team was throughout the whole process. They really tried to understand my situation and what I needed. Before choosing a lender, I got quotes from a lot of different places—mortgage search platforms, popular rate websites, and even my own banks. I shared my credit score, job details, and information about my home, spoke with several representatives, and compared different loan options. What made Real Genius different wasn’t just their competitive rates and offers. It was also how carefully they listened, tried to understand my real priorities, and worked to find a solution that fit me. Some lenders just wanted to throw numbers at me over the phone, gave higher offers than what they initially showed, or asked to see competitor offers without trying to improve their own. One lender even talked about possible numbers on the phone but never sent me a written offer, even when I asked. For such an important decision, it was really important for me to see everything clearly in writing—interest rate, monthly payment, loan amount, fees, and closing costs. I didn’t want any surprises later. NBKC Bank was one of the companies that initially offered the second lowest rate. But after a short period of communication, I didn’t receive any follow-ups or updates, which made it hard for me to trust their offer or move forward with them. Süleyman was different. He took the time to understand my situation, listened to my priorities, and explained the available options clearly. At first, even among the best offers, the monthly payment was still high for me. I clearly said that I didn’t want to increase the loan amount or roll closing costs into the loan just to lower the monthly payment. Some other companies suggested that approach, but I wanted to keep my loan balance as low as possible. Süleyman, Mary, and the Real Genius team really took this concern seriously. They helped me keep my loan amount as low as possible, removed the appraisal fee and some other costs, and improved my monthly payment without unnecessarily increasing my loan balance. Before making a final decision, I reached out again to a few lenders and asked if they could match or beat the Real Genius offer. One company honestly told me that the Real Genius offer was very strong and they couldn’t beat it. My banks and other lenders also couldn’t provide a better final offer. At that point, I felt confident that Real Genius was the best overall option for me. During the process, I had some uncertainty about my immigration status, which made the timing pretty stressful. The team was very understanding, patient, and supportive about this. They told me that if I decided not to continue at any stage, I wouldn’t face any penalties or out-of-pocket costs. That was honestly a game changer for me. It allowed me to move forward carefully without feeling pressured or rushed while waiting for my immigration update. Since I didn’t want to miss the good rate and opportunity, I signed the refinance documents while waiting for my immigration update. Luckily, I received my immigration approval on Monday morning. After that, I felt comfortable sending the closing costs and fully moving forward with the refinance. Mary, as the mortgage processor, handled the documents, follow-ups, and details very carefully. Lori made sure everything was clear and organized during the closing stage, which helped the process go smoothly. Süleyman coordinated everything, kept a close eye on the process, and made sure I was connected with the right people at the right time. Each of them was really helpful in their role. The entire refinance process was completed in just 29 days. I’m very grateful to Süleyman, Mary, Lori, and everyone involved. Their professionalism, patience, communication, and genuine effort to find solutions made what could have been a stressful process much easier for me. I would definitely recommend Real Genius to anyone looking for a mortgage team that really listens, works in your best interest, and provides strong support from start to finish.