Real Originate.
Earn on every mortgage closing.
Today’s real estate agents want to expand their skills, but they don’t want to lose focus on what matters most – their clients. Through Real Originate, One Real Mortgage pairs full-time agents with Mortgage Loan Officers to give agents the insights and guidance they need to thrive in a new industry while continuing to support their home buyers and sellers.
How does
it work?
Step One
If you’re an agent in a participating state, visit to let us know you’re interested in broadening your expertise. If accepted as a possible candidate for the program, we’ll set up time to discuss the program with you.
Step Two
If accepted into the program, and after getting your mortgage license, we’ll pair you with an Internal Loan Officer, who will collaborate with you on mortgage transactions to assure legal compliance.
Step Three
When you have a client interested in kicking off the mortgage (or refinance) process, you’ll send them the loan application link and ensure that they provide the necessary information.
Step Four
Then your Internal Loan Officer partner will provide the necessary assistance to you and the client through closing. When the loan closes, you’ll earn your permitted loan origination compensation

Who can participate?

All real estate agents in One Real Mortgage operational states are eligible to apply. To remain compliant, External Loan Officers must be NMLS licensed, part-time W2 employees of One Real Mortgage and participate in the loan origination process.

Where is this valid?

Alabama, Arizona, California, Colorado, Delaware, Florida, Georgia, Michigan, Minnesota, Mississippi, New Jersey, North Carolina, Oregon, Pennsylvania, South Carolina, Texas, and Washington.


Create Your Profile

Creating your online profile is easy. We just need some identifying information like your name, email address, and phone number. With this, we can create your online profile, where you can upload documents and get immediate updates on your loan progress.


Submit Your Application

When applying for a mortgage, an underwriter needs to review your identity, income, and assets. In order to do that, we need you to provide some additional information, such as your social security number, date of birth, and where you’ve been living and working.


Documents & Disclosures

Once your application has been submitted, we will verify the information that you provided with additional documents, such as bank statements and pay stubs. We will also need some federal and state disclosures e-signed by you and any other applicants on the loan.


Lock Your Rate

Our team of trusted mortgage advisors is constantly watching the market. When the time is right for you, our team will guide you through the rate lock process and help you secure the terms of your mortgage.



The underwriter will review all information and documentation provided to make sure your loan application can be approved. The underwriting process also involves some third-party requests and verifications, including a property title report, homeowners insurance, and appraisal (if needed).

Apply Today
Apply Today

Closing Day

You did it! After completing the underwriting process and acknowledging the Closing Disclosure, you are ready to schedule your closing. Closing can be done virtually or in person, depending on state regulations, and takes about 60 minutes to complete.