If you’re a mortgage lender who’s tired of cold-calling real estate agents, chasing leads, and feeling like a vendor instead of a partner, One REAL Mortgage was built for you.
With built-in real estate agent relationships, multiple streams of income, and a technology stack that actually works, One REAL Mortgage is quickly becoming the most attractive home for loan officers who want to grow — without grinding.
Joining One REAL Mortgage Gives You Flexibility
One REAL Mortgage operates as a mortgage broker partnered with over 20 different lenders, giving you access to more than 50 loan programs.
Unlike working at a bank or an independent mortgage bank where you’re locked into one product set with a fixed margin, by joining One REAL Mortgage, you can shop rates and products across multiple investors to find the best possible deal for your borrower.
Different lenders have different overlays and different niches. Having access to 50+ programs means you’ll almost never have to turn a client away — and you’ll almost always be able to compete on price.
Loan programs available:
- Conventional Loans
- Fixed-Rate Loans
- Adjustable-Rate Loans
- VA Loans
- FHA Loans
- USDA Loans
- JUMBO Loans
- Down Payment Assistance
- HELOC
- Non-QM Loan
- Renovation Loan
- Construction Loan
- Refinance Loan
- and more.
Three Streams of Income For Loan Officers
Most lenders earn one thing: a commission on the loans they close. By joining One REAL Mortgage, you have three distinct ways to get paid.
1. One REAL Mortgage Commission
Your commission structure is tiered based on where the loan originates:
- 110 basis points on loans you bring in yourself
- 75 basis points on loans that come from warm REAL Broker agent leads you are given
- 50 basis points when you partner with a REAL Originate agent, where the agent originates the loan, and your job is to process and close it
That last model is particularly powerful. REAL Originate agents are real estate agents who get their loan officer license and are focused on connecting their real estate clients with One REAL Mortgage.
REAL Originate Agents are partnered with an experienced Loan Officer, that’s you.
You step in as the experienced partner to handle the operational side. It’s a division of labor that lets both parties do what they do best — and you get paid without having to find the client yourself.
2. One REAL Mortgage Stock Award
One REAL Mortgage is part of REAL, a publicly traded real estate brokerage listed on the NASDAQ under the ticker REAX. That means when you hit certain milestones, you don’t just get a plaque or a trip to Cancun — you get equity.
- Close $20 million in volume through REAL Mortgage in a year and you’ll receive $15,000 in RSUs
- Sponsor a lender into One REAL Mortgage, and they close a transaction in their first 90 days, and you’ll receive $500 in RSUs
These are restricted stock units with a three-year vesting period, meaning you’re building real long-term wealth alongside a fast-growing publicly traded company.
3. Build a One REAL Mortgage Network
If you’ve ever wanted to build a team or leverage your network in a meaningful way, the Level Up Program is unlike anything else in the mortgage industry. By attracting other loan officers to One REAL Mortgage, you can earn on every loan they close — across five tiers.
- Tier 1: 12 basis points
- Tier 2: 8 basis points
- Tier 3: 3 basis points
- Tier 4: 2 basis points
- Tier 5: 1.5 basis points
Tiers unlock as your downline grows. You need 5 active loan officers in your Tier 1 to unlock Tier 2, 10 for Tier 3, 15 for Tier 4, and 20 for Tier 5.
See how much you can earn with the One REAL Mortgage Level Up Calculator.
An active loan officer is defined as someone closing at least 2 deals per month.
The more you build, the more you earn — and it’s completely uncapped. Meaning if you bring in a loan officer closing 20-30 deals a month, you earn on every single one of them!
Built-In Real Estate Agent Relationships — No More Cold Calling
This is the piece that makes One REAL Mortgage fundamentally different from every other mortgage company right now.
The hardest part of being a loan officer is getting in front of real estate agents and convincing them to send you business.
You know the drill — agents get called every single day by lenders pitching the same thing. Breaking through that noise is exhausting and expensive.
At One REAL Mortgage, you don’t have to break through the noise. You’re already inside the room.
REAL Broker is one of the fastest-growing brokerages in the country:
2023: 66% agent count growth
2024: 77% agent count growth
2025: 33% agent count growth
As a One REAL Mortgage lender, you are assigned a group of REAL Broker agents to build relationships with directly.
You’ll also receive warm agent leads, get access to co-marketing opportunities, and be able to participate in REAL Mortgage-sponsored events that put you directly in front of producing agents.
These aren’t cold internet leads. These are real, active agents who are already inside the same ecosystem as you, working on real transactions that need a great lender to get across the finish line.
A Technology Stack Built for Modern Lending
If you’ve spent your career fighting against clunky software and per-loan pricing structures that eat into your margins, you’ll appreciate what One REAL Mortgage has built.
- reZEN — REAL’s proprietary all-in-one platform where agents manage their transactions, track their pipeline, and stay in communication throughout the loan process. When you’re working alongside a REAL agent, you’re both working in the same system — which means no more chasing people down for updates.
- REAL’s Design Center — Access to professional digital and print marketing tools to help you build your brand and grow your business. Watch video breakdown.
- Salesforce CRM — Industry-leading client relationship management, built into your workflow.
- Client App – Your clients can easily apply and manage their transaction right from their finger tips.
- Web-Based POS/LOS — A fully cloud-based point of sale and loan origination system. No Encompass, no per-loan fees baked into your pricing. Because the cost structure is per user rather than per loan, you can offer more competitive pricing to borrowers and win more deals.
Full Benefits
One REAL Mortgage provides their Loan Officers with a full benefit package. This includes 401k with matching, health insurance plans, Flextime and more.
A Brand That Can Be Trusted
One REAL Mortgage is focused on providing the best service to our clients as we can. That is why we have over 1,200 5-star positive reviews on Google from happy customers.
Who This Is a Perfect Fit For
Joining One REAL Mortgage is especially well-suited for loan officers who:
- Are tired of paying for leads or relying on cold outreach to build agent relationships
- Want to earn beyond their commission with stock equity and passive income
- Are producing 4 to 8 loans a month and want a platform to scale without being tethered to a physical branch
- Have an existing network of lenders that they potentially could bring into a downline
- Believe the future of this industry is built on vertical integration between agents, lenders, and title
Next Steps For Loan Officers Joining One REAL Mortgage
One REAL Mortgage offers a sponsorship program where you can name a sponsor who can help you transition your business to ORM, provide you with support, and help you grow a network of loan officers beneath you.
The next step is to schedule a video call with Malcolm Lawson to explore the program and potential sponsorship. You can reach out to him at Malcolm@LivingInMaryland.com or schedule a video call with him below to explore joining One REAL Mortgage.
