About us
A clearer way to approach mortgage financing
Mortgage Rate Genius is built around one idea: borrowers make better decisions when the numbers, the assumptions, and the trade-offs are explained before anything is signed.
The mortgage genius
Jared Tawzer
Founder & Loan Originator
With more than 25 years in commercial and residential mortgage lending, Jared has consistently ranked among the industry's top-producing loan officers, working alongside many of the country's leading real estate agents and firms.
He is a licensed mortgage professional (NMLS ID 202198), currently licensed in Georgia and Florida, and able to originate investment property DSCR loans in every state except Missouri and Massachusetts.
Mortgage Rate Genius started from a simple frustration: the information that makes a mortgage decision easier usually arrives last. So the calculators and guides here put it first — the numbers, the assumptions, and the trade-offs — so you can ask questions without being sold to.
- NMLS ID
- 202198
- Licensed in
- Georgia & Florida
- DSCR investment loans
- All states except MO & MA
Why we start with the explanation
Most people meet mortgage financing at an inconvenient moment: mid-move, mid-negotiation, with a rate quoted and a deadline running. The information that would make the decision easier usually arrives last — how the rate was built, what the alternatives would have cost, and what happens if circumstances change in five years.
We put that information first. Purchase, refinance, and investment property scenarios are worked through in plain language, with the assumptions named and the trade-offs compared directly instead of presented one at a time.
The goal is not to make the decision for you. It is to make sure that when you do decide, you can explain exactly why.
Our values
How we work with borrowers
Explanation before recommendation
A recommendation that can't be explained isn't worth much. Every option is described in terms you can repeat to someone else.
Options compared, not pitched
Scenarios are laid out next to each other so the trade-offs between payment, term, and cash at closing are visible at once.
Your timeline, respected
Some people are ready this month and some are two years out. Both are legitimate starting points for a conversation.
Nothing published that isn't verified
Rates, credentials, and program details appear on this site only once they are confirmed — not to fill space on a page.
Our commitment
What you can expect from a conversation
These are the standards we hold ourselves to, regardless of how the conversation ends.
- Put costs and assumptions in writing before you decide anything.
- Compare at least two structures when the choice is genuinely close.
- Say so when refinancing costs more than it saves over your timeline.
- Never collect Social Security numbers, account numbers, or tax documents through this website.
Experience & licensing
Sharpe Mortgage Lending Services of Georgia, Inc. lends from its own funds and also brokers loans to other lenders, so every option we compare comes from a real source rather than a single rate sheet.
- Company
- Sharpe Mortgage Lending Services of Georgia, Inc.
- Company NMLS ID
- 38944
- Georgia Residential Mortgage Licensee
- Company 11430 · Originator 25175
- Florida Residential Mortgage Licensee
- Company MLD1076 · Originator LO18389
- Loan originator
- Jared Tawzer — NMLS 202198
- State footprint
- GA & FL for primary, second homes and investment property; DSCR investment loans in every state except MO and MA
- Equal Housing Opportunity
- Equal Housing Lender
Have a question that isn't answered here?
Send it through the contact form. There is no obligation attached to asking, and no loan application required to get a straight answer.