Real GeniusReviews of realgenius.com

The first half/two thirds of our contact with ConsumerDirect Mortgage was easy - qualifying, submitting requested documentation, scheduling a closing date. However, as the closing date approached, the mortgage processors kept changing the amount we needed to bring to the closing, and never explained the reasons for the changes. Secondly, the notary sent to our house didn’t understand or couldn’t explain the documents needed to take the title out of our family trust so we could sign the new deed. This led to a week’s delay in finalizing the closing. Our one suggestion is that the folks responsible for setting up the closing to do a better job of communicating with their clients and the remote notary.

The process was stressful. The employees were helpful. The program is good at collecting the data, but the request wording were confusing. Overall the process was stressful. But they worked it through.

They were good. I am happy overall. it just took so long.

The process was slow.. almost 4mos.. otherwise they deserved 5stars

Other than the long wait time everything was smooth and so far seems to be working well. To be fair understandable as a lot of people were getting new mortgages or refinancing. It would have been better if there were more updates while I waited from the firm rather than me chasing the loan officer.

Quick and easy

The initial setup was quick and efficient. After that, I felt that I had to drive the process. Resposiveness was so-so, I got responses but had to push (I would email, and call, and email again to record what was covered during the calls). The whole process took exactly as long as the rate was locked, but had I not responded within hours with all requested documents and followed up to make sure things were moving I'm sure the time would have lapsed. I heard similar from a friend that worked with them, but their lock lapsed because they were not as pushy and they had to argue a lot to get that rate again. That said, the mortgage rate was the best available, and the fees were reasonable. I've worked with better lenders, but decided to go with ConsumerDirect because of the rate. If you can stay on top of them and be pushy, get that low rate. I really appreciate how much my monthly payment dropped.

Considering my application for refinance was complicated due to being on workman's Compensation for a long period, Consumer Direct was understanding in compiling the required information to establish qualifications. All moved along in a timely manner and closing took about 25 minutes once all was agreed and in order.