Are you getting a mortgage for a new home, or looking to refinance?

It’s a great time for you. Interest rates are at historic lows.

Still a big financial decision, for sure. In fact, a mortgage is usually the biggest financial decision of your life.

So why go into it completely dependent on a mortgage loan officer or bank to make sure you that you have the best deal?

Especially when so many people end up paying thousands in surprise fees, have mortgage payments higher than they should, in a process that drags out weeks longer than is necessary.

Why shouldn’t you have the control you deserve?

What if you could

  1. Avoid surprise fees
  2. Save thousands
  3. Beat banks at their own game
  4. Shave weeks off of the process

Your opportunity

You can now take advantage of historically low mortgage rates. Do it.

But, be aware that in this economy that banks are hedging their risk. Qualifications and quotes are all over the map. It’s more important than ever that you shop competitively and effectively.

Research proves that you’ll save literally thousands of dollars if you shop competitively even in normal times.

The problem is, the mortgage and refinancing process is especially rigged so that it’s really hard to truly shop competitively.

Here’s why:

  • Banks have different requirements, making you jump through endless hoops
  • You get conflicting information about what you qualify for from different banks
  • Trying to satisfy more than one bank or lender draws out the process, risking your credit
  • Deals quoted in the beginning change as you get closer to closing, resulting in unexpected costs

The result? Time pressures from different requirements, products and changing costs means you lose out on true competitive shopping and erase your negotiation power and pay thousands more than you need to. 

The solution: Instant Mortgage Genius

Don’t be at the mercy of a bank to determine your fate or suffer through unnecessary delays.

That all ends when you decide to be an Instant Mortgage Genius.

How Instant Mortgage Genius is a home buyer or refinancer’s best friend

Instant Mortgage Genius is based on industry research on how you can beat banks at their own game.

It’s a proven system to get the lowest possible cost for your mortgage, the best financial fit, the most negotiating power, zero hidden fees, and in half the time.

The Instant Mortgage Genius proven process sets you up for a fast, competitive situation to have the most negotiation power and avoid ALL surprise fees, ensuring that you truly get the best deal on your mortgage possible, and in half the time.

Our expert analysis app gives you instant analysis on your mortgage offers along 10 important criteria. This helps you make the right decision that fits your unique goals, saves you the most money and creates the most home equity for you in the long run.

Live help 24/7 ensures that the questions that are bound to come up get answered. We make sure you get the answers you need.

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What it does for you

Cuts your time in half by streamlining the mortgage process (value: your precious time).

Maximizes your negotiation power with banks, thorough a proven process for competitive shopping (value: $1,500 – $2,500 based on a federal study).

Eliminates surprise fees, by showing you how to get full disclosures during the loan process and before the closing table, so there are no surprises (value: $600-$2,200 based on average surprise fees borrowers incur).

Gives you expert analysis into costs for each loan you are considering over 5, 10, 20 and 30 years, as well as the equity you will build so you make the smartest choice (value: $1,000 and up, based on the value of a “right fit” mortgage).

Get all of your unique questions answered along the way (value: peace of mind. Priceless).

$47

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Here’s how we stand behind our product:

Save over $1,500 on your mortgage or your money back, no questions asked!

A one time payment. It’s yours for however long it takes for you to get your mortgage or refinancing. 

100% satisfaction guaranteed

If you aren’t 100% thrilled with Instant Mortgage Genius, we’ll issue you a full refund. That’s why we have a “No Questions Asked, Money Back Guarantee.”

We’d love to answer any questions you have about our product. Email us anytime at help@homeownering.com or call our toll free number, (888) 508-1184.

Buying a home may be the largest financial decision of your life.

Invest in a safety net that ensures that you save the most money and get the right loan.

How Instant Mortgage Genius came to be

Winning the FWD real estate innovation finalist award for mortgage outcome tools

Instant Mortgage Genius was born out of my personal mortgage experience in 2009. Even though I did huge amount of research first, my mortgage cost me thousands more and took twice as long as promised.

So I started a company that looked at consumer mortgage outcomes, and ran it for 10 years, and got incredible insight into the mortgage market.

I discovered many ways that home buyers and people refinancing are at a disadvantage to banks. And since you buy a home or refinance only once in a while, it’s impossible to know enough on your own to beat banks at their own game.

You deserve to be on a level playing field with the banks who serve you, getting the best deal.

And so, Instant Mortgage Genius was born.

I know you don’t have time to learn all the ins and outs of mortgages. With Instant Mortgage Genius, you don’t have to, but still arrive at the very best financial outcome.

Now that’s smart!

What’s included

Our proven system sets you up for a fast, competitive situation to have the most negotiation power and avoid ALL surprise fees, ensuring that you truly get the best deal on your mortgage possible, and in half the time.

 Our expert app gives you instant analysis on your mortgage offers along 10 important criteria. This helps you make the right decision that fits your unique goals, saves you the most money and creates the most home equity for you in the long run.

 Questions are bound to come up and you deserve to get answers to your unique questions. We make sure you get the answers you need with our 24/7 question forums and weekly live help.

Watch an overview of our IMG process

Watch an overview of our expert app

Watch an overview of our 24/7 help

For the largest financial decision of your life, invest in a safety net that ensures that you save the most money and get the right loan.

Save money and time on your mortgage

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F.A.Q. (Frequently asked questions)

Who is Instant Mortgage Genius best for?

If you’re ready to buy a home or refinance and have a sense that can qualify for a mortgage, then you’re who Instant Mortgage Genius was made for.

Who are our customers?

Our customer are people who care about making smart decisions with their money, want the best deal possible, don’t have endless time to learn everything about mortgages but still want to get a great mortgage, quickly.

Who is Instant Mortgage Genius not for?

Instant Mortgage Genius is not for people who want to just go with the first bank the find and take the terms they are given. It’s for people who want to be savvy, save money and save time.

 

What if I sign up and then figure out that I can’t get a mortgage at all?

If you find out that you can’t get a mortgage or refinance after you bought the product, you can either get a refund with our no questions asked money back guarantee or keep the product for the future, as you only need to buy it once and can use it until you get your mortgage or refinance.

At what point in the home buying or refinancing process is it best to get Instant Mortgage Genius?

The earlier you get Instant Mortgage Genius, the more resources you’ll have for the step you are currently in, the more time and money you’ll save.

But even if you wait, you should get Instant Mortgage Genius before you close on your mortgage, as we can save you money all the way through the closing and protect you against surprise closing fees.

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