Built by Lenders.
For Investors.
RefiGeniuses was founded by two mortgage industry veterans who got tired of watching banks drain investor equity through hidden fees and rolled-in points. We built a platform that treats lending as a partnership, not a toll booth.
With 32+ years of combined experience in multifamily, commercial, bridge, and short-term rental financing, we understand the Championsgate, Solterra, and Orlando markets inside and out. We underwrite your business, not just your house.
Mission
To provide zero-point, partnership-based lending that keeps investor equity intact and available for the next acquisition.
Vision
A lending platform where capital structure decisions are made by investors, not imposed by banks. Where speed meets strategy.
Values
- ✓Transparency
- ✓Partnership
- ✓Speed
- ✓Integrity
Meet the Founders
Demetiry Johnson
Role
Capital Markets & Underwriting
32+ years in the mortgage industry. Licensed mortgage professional and former Series 7 Stock Broker. Specializes in Multifamily & Commercial Acquisition, New Construction, Bridge, and Airbnb Rental Portfolio Loans. Known for deep market expertise in the Championsgate, Solterra, and Orlando regions.
Direct
(813) 785-4366
Julie Johnson
Role
Originating & Strategy
Founder of Top Speed Mortgage LLC & Top Speed Processing LLC. Specializes in Commercial, DSCR, Bridge, and Fix & Flip loans. Known for speedy closings, personalized client service, and helping investors close on multiple properties without delays. Expert in streamlined loan origination and portfolio scaling.
Direct
(813) 606-3113
Why We Disrupted the Industry
For decades, we watched the mortgage industry operate like a toll booth. Investors would come to us needing capital for their next acquisition, and banks would charge 1% to 2% in upfront points just to open the door. Then, they'd "roll" those points into the loan balance, and suddenly the investor was financing a $10,000 commission for 30 years.
The math was simple: you weren't saving money. You were deferring it and paying interest on top. Your equity—the capital you needed for your next deal—was locked up in the bank's ledger.
We realized the industry had it backwards. Lending should be a partnership where the lender succeeds only when the investor succeeds. So we built RefiGeniuses: a platform with zero upfront points, zero origination fees, and 100% of your liquidity at the closing table.
Our back-end win model means we don't need to extract fees upfront. We make money when your deals close faster, when you scale your portfolio, and when you come back for your next acquisition. That's the partnership math.
Deep Expertise in Your Markets
Loan Types
- →Multifamily & Commercial Acquisition
- →New Construction & Ground-Up Development
- →Bridge Loans & Gap Financing
- →DSCR & Airbnb Rental Portfolio Loans
- →Fix & Flip & Renovation Financing
Markets
We specialize in the Central Florida market with deep expertise in:
- →Championsgate (vacation rental hotspot)
- →Solterra (master-planned community)
- →Greater Orlando Metro Area
Ready to Partner with Us?
Let's talk about your next acquisition. No points. No gatekeeping. Just a partnership built on speed, transparency, and your success.