Home Loans Simplified
Lock in a Low Mortgage Rate & Payment That Fits Your Budget
- Better Rates
- Lower Fees
- Lightening Fast Closings.
- Shop - Mortgage Broker Wholesale Rates
- Save - Primarily Lowest Rate and Fees
- Compare - Rates from Top Lenders
- It takes less than 15 minutes
Home Loans Simplified
Lock in a Low Mortgage Rate & Payment That Fits Your Budget
- Better Rates
- Lower Fees
- Lightening Fast Closings.
- Shop - Mortgage Broker Wholesale Rates
- Save - Primarily Lowest Rate and Fees
- Compare - Rates from Top Lenders
- It takes less than 15 minutes
Find Out How Much You Qualify
Secure a Fixed Rate & Payment—Get a Free Quote, Down Payment Assistance, or Apply for Refinance with Ease
HOW MUCH DO I QUALIFY FOR?
Get a fixed rate & payment you can count on secure a mortgage rate and payment plan that stays consistent. start with a free quote to understand your options.
DOWN PAYMENT ASSISTANCE
Over 400 down payment assistance programs available throughout california teachers, police officers, veterans, FHA, VA, middle income, first time homebuyer and more. dpa programs vary from 1%-25% of purchase price.
REFINANCE
Simple & convenient online application easily refinance your mortgage online with our streamlined application process. lower your payments or reduce your loan term today.
Get a Free Quote
No Credit Card Required
Why Choose Ingenuity Realty & Mortgage?
Experience, Expertise, and Exceptional Service Tailored to Your Needs
Personalized Service
We tailor mortgage solutions to meet the unique needs of each client, ensuring you get the best fit for your financial situation.
Expert Guidance
With over 26 years of experience, we offer step-by-step assistance throughout the home loan process, from pre-qualification to closing.
Local Market Knowledge
As experts across Southern and Northern California, we leverage our deep understanding of the local real estate markets to secure the best deals for you in your area.
Client Satisfaction
Our 99% customer satisfaction rate reflects our dedication to providing exceptional service and achieving successful outcomes for our clients.
Lower Rates & Fees
We work with a network of top lenders to offer competitive mortgage rates and lower fees, helping you save money on your home loan.
Fast & Efficient Process
Our streamlined approach ensures quick loan approvals, with an average approval period of just 1 day, so you can move forward with confidence.
Get a Free Quote
No Credit Card Required
Real Stories, Real Results
See How We’ve Helped Clients Across California Achieve Their Dreams
We’ve worked with Stephanie Smith for well over twenty years for both our real estate buy/sell transactions as well as mortgage refinance in more recent history. Stephanie can execute any transaction from start to finish with excellent communication, professionalism, and always with ethical fairness with client-centric focus. We’ve been through five seamless real estate transactions and she made the impossible, possible, with our latest refinance. We recently attempted to refinance and were turned down twice (as our home business made things a bit more complicated) and no one wanted to put in the needed extra effort. Of Stephanie’s superlatives, this one shines the brightest. She can make the seeming impossible happen because she relentlessly works for her client, putting in the extra efforts necessary to please her clients and accomplish what she sets out to do for her clients. Highly, highly recommended.
We were in the market for buying our first home and had no idea where to get started. Stephanie walked us through the whole process from start to finish. Stephanie took the time to get to know me and my situation so she could find what mortgage product was best for me. She even showed us how to get a higher credit score before our purchase. This ended up saving us thousands of dollars on interest! For any future mortgage we are going with Stephanie.
Exceptional, Talented & Genuine are just a few ways to describe Stephanie Smith. Passionate and in the know, Stephanie’s distinct and unique service will awe inspire any buyer, seller or borrower. After being denied by a well known mortgage company, Stephanie worked diligently on the refinancing of my two properties. She is humble and takes extraordinary pride in her work. A Million in One and Second to None, Stephanie is an enthusiastic and dedicated Real Estate Rockstar.
There’s only one real estate and mortgage broker for me….”the Sensational and Stellar Stephanie Smith.” Stephanie has orchestrated various transactions on my behalf—all having gone impeccably smooth. Stephanie’s commitment to integrity and service to her clients is remarkable! She is brilliant and dynamic. ~ Tres Magnifique & Fantastique
Mortgage Refinance: Lower Your Payments and Save Big
Explore Our Low-Rate Mortgage Refinance Solutions to Reduce Your Monthly Costs
Competitive Rates
Flexible Options
Streamlined Process
Expert Guidance
Mortgage Refinance Calculators
Not sure how much you could save with a refinance? Use our Mortgage Refinance Calculator to estimate your potential savings and explore the best refinancing options for your situation.
Experienced - Dedicated - Insightful
Sell Your Home with Confidence: Expert Seller Services in Southern and Northern California
Maximize Your Home’s Value with Trusted Seller Services in California.
Selling your home in California is a significant decision, and at Ingenuity Realty, we’re here to ensure it’s a successful one. Led by Stephanie Smith, a seasoned real estate professional with nearly 3 decades of experience, our seller services are designed to help you achieve the best possible outcome. Whether you're in San Diego, San Francisco, or anywhere across California, we provide tailored strategies that align with your unique needs and market conditions.
Comprehensive Mortgage Services Tailored to Your Needs
Your Trusted Partner for Mortgage Services in Southern and Northern California
At Ingenuity Realty & Mortgage, we understand that securing the right mortgage is a crucial step. Led by Stephanie Smith, our team of experienced mortgage professionals is dedicated to helping you find the best mortgage rates and terms available across California. Whether you're purchasing your first home in San Diego, refinancing in San Francisco, or exploring options in Temecula and Orange County, we provide personalized mortgage solutions to meet your unique financial needs.
Real Stories, Real Results
See How We’ve Helped Clients Across California Achieve Their Dreams
We’ve worked with Stephanie Smith for well over twenty years for both our real estate buy/sell transactions as well as mortgage refinance in more recent history. Stephanie can execute any transaction from start to finish with excellent communication, professionalism, and always with ethical fairness with client-centric focus. We’ve been through five seamless real estate transactions and she made the impossible, possible, with our latest refinance. We recently attempted to refinance and were turned down twice (as our home business made things a bit more complicated) and no one wanted to put in the needed extra effort. Of Stephanie’s superlatives, this one shines the brightest. She can make the seeming impossible happen because she relentlessly works for her client, putting in the extra efforts necessary to please her clients and accomplish what she sets out to do for her clients. Highly, highly recommended.
We were in the market for buying our first home and had no idea where to get started. Stephanie walked us through the whole process from start to finish. Stephanie took the time to get to know me and my situation so she could find what mortgage product was best for me. She even showed us how to get a higher credit score before our purchase. This ended up saving us thousands of dollars on interest! For any future mortgage we are going with Stephanie.
Exceptional, Talented & Genuine are just a few ways to describe Stephanie Smith. Passionate and in the know, Stephanie’s distinct and unique service will awe inspire any buyer, seller or borrower. After being denied by a well known mortgage company, Stephanie worked diligently on the refinancing of my two properties. She is humble and takes extraordinary pride in her work. A Million in One and Second to None, Stephanie is an enthusiastic and dedicated Real Estate Rockstar.
There’s only one real estate and mortgage broker for me….”the Sensational and Stellar Stephanie Smith.” Stephanie has orchestrated various transactions on my behalf—all having gone impeccably smooth. Stephanie’s commitment to integrity and service to her clients is remarkable! She is brilliant and dynamic. ~ Tres Magnifique & Fantastique
Real Stories, Real Results
See How We’ve Helped Clients Across California Achieve Their Dreams
We’ve worked with Stephanie Smith for well over twenty years for both our real estate buy/sell transactions as well as mortgage refinance in more recent history. Stephanie can execute any transaction from start to finish with excellent communication, professionalism, and always with ethical fairness with client-centric focus. We’ve been through five seamless real estate transactions and she made the impossible, possible, with our latest refinance. We recently attempted to refinance and were turned down twice (as our home business made things a bit more complicated) and no one wanted to put in the needed extra effort. Of Stephanie’s superlatives, this one shines the brightest. She can make the seeming impossible happen because she relentlessly works for her client, putting in the extra efforts necessary to please her clients and accomplish what she sets out to do for her clients. Highly, highly recommended.
We were in the market for buying our first home and had no idea where to get started. Stephanie walked us through the whole process from start to finish. Stephanie took the time to get to know me and my situation so she could find what mortgage product was best for me. She even showed us how to get a higher credit score before our purchase. This ended up saving us thousands of dollars on interest! For any future mortgage we are going with Stephanie.
Exceptional, Talented & Genuine are just a few ways to describe Stephanie Smith. Passionate and in the know, Stephanie’s distinct and unique service will awe inspire any buyer, seller or borrower. After being denied by a well known mortgage company, Stephanie worked diligently on the refinancing of my two properties. She is humble and takes extraordinary pride in her work. A Million in One and Second to None, Stephanie is an enthusiastic and dedicated Real Estate Rockstar.
There’s only one real estate and mortgage broker for me….”the Sensational and Stellar Stephanie Smith.” Stephanie has orchestrated various transactions on my behalf—all having gone impeccably smooth. Stephanie’s commitment to integrity and service to her clients is remarkable! She is brilliant and dynamic. ~ Tres Magnifique & Fantastique
Latest News
Mortgage Rate Lock-In Easing: What California Homeowners Should Know About Refinancing and Selling
In the world of real estate, mortgage rates are critical in determining housing affordability, market movement, and overall economic impact. In 2024, the real estate
How to Start Real Estate Investing with Your Retirement Funds
Yes, You Can Invest In Real Estate With Your IRA Or 401(k) Your real estate investment grows tax-free (Roth IRA) or tax-deferred (Traditional IRA). Self-directed
4 Easy Ways to Add Value to Your Home
One of the greatest perks to being a homeowner is the freedom to personalize your living space to reflect your style and unique taste. Renovations
Discover the Latest in Real Estate Insights
How to Start Real Estate Investing with Your Retirement Funds
Investing in real estate using your retirement funds is a strategic way to diversify your portfolio while potentially generating substantial returns. The IRS permits real estate investments through qualified retirement plans, such as a self-directed Solo 401k. […]
4 Easy Ways to Add Value to Your Home
Refinancing One of the greatest perks to being a homeowner is the freedom to personalize your living space to reflect your style and unique taste. Renovations can boost your home’s value over a period of time, so that dream appliance or flooring you’ve been eyeing is actually a smart investment in the long run. While […]
8 Reasons Why People Refinance a Home Loan
Refinancing When you refinance a mortgage, you pay off your existing home loan and replace it with a new one—often with a lower monthly payment or better loan terms.. How do you know if refinancing is right for you? Let’s take a look at some of the top reasons why people refinance their home loan. […]
Experienced - Dedicated - Insightful
Ready to Secure the Best Mortgage Rates?
Start Your Home Buying Journey Today with Competitive Rates, Expert Guidance, and Fast Approvals
Experienced - Dedicated - Insightful
Ready to Secure the Best Mortgage Rates?
Start Your Journey Today with Competitive Rates, Expert Guidance, and Fast Approvals
