One point of contact, start to close
When your agent and your lender work inside the same company, there are fewer handoffs and fewer surprises. I start your application, answer your questions, and stay with you through closing alongside an experienced One Real Mortgage loan officer.
One Real Mortgage is a mortgage broker. Instead of offering one bank's products, it arranges loans with a panel of third-party lenders, with access to 50+ loan programs. That gives us room to look for the right fit for your situation.
One Real Mortgage has served borrowers since 2009 and became part of Real in 2022.
Dylan Hernandez
NMLS #2681224
One Real Mortgage Corp., NMLS #198414
- 972-951-6987Calls 8 AM to 7 PM CT
- Text 972-951-6987Texts anytime
- thedylanhernandez@gmail.comEmail
Programs we can look at together
Availability, terms, and requirements depend on the lender, the property, and your qualifications.
Conventional
Loans that follow Fannie Mae and Freddie Mac guidelines. Down payments often start around 3% to 5%, and 20% down removes private mortgage insurance.
FHA
Government-backed loans with down payments as low as 3.5% and more flexible credit guidelines. Popular with first-time buyers.
VA
For eligible veterans, service members, and some surviving spouses. No down payment and no private mortgage insurance for qualified borrowers.
USDA
Zero down payment financing for eligible homes in qualifying rural and suburban areas.
Jumbo
For loan amounts above the conforming limit. Expect stronger credit and down payment requirements.
Fixed and adjustable rate
Lock one rate for the life of the loan, or start with a lower fixed period that adjusts later if you plan to move or refinance.
Down payment assistance
Grants, low interest loans, or forgivable loans that can help cover a down payment and closing costs for eligible buyers.
HELOC
A revolving line of credit secured by your home's equity. Borrow what you need and pay interest on what you use.
Non-QM
Options for borrowers who do not fit standard guidelines, such as self-employed buyers and investors.
Refinance
Lower a payment, change your loan term, or tap equity, depending on your goals and the market.
Program descriptions are general education based on One Real Mortgage's loan options. They are not an offer, and not every applicant or property will qualify.
From first call to closing
Talk goals
Call or text me. We talk price range, timing, and what payment feels comfortable.
Apply online
Complete the secure application. I will tell you exactly which documents to gather.
Get pre-approved
After a credit and document review, you shop with a pre-approval letter in hand.
Close
Once you are under contract, we lock your loan and keep you and your agent updated through closing day.
Your choice, always
You are never required to use One Real Mortgage to work with a Real agent. Compare options and choose the lender that is right for you.
Looking for a home, too?
I also help buyers and sellers across Dallas Fort Worth as a Real agent. One call can cover both sides of your plan.
Mortgage disclosures
Dylan Hernandez, Loan Originator, NMLS #2681224 (verify on NMLS Consumer Access). One Real Mortgage Corp., NMLS #198414 (NMLS Consumer Access). Texas Mortgage Company License #198414, regulated by the Texas Department of Savings and Mortgage Lending. See all state licenses.
Provided for informational purposes only. This is not a commitment to lend or an offer of credit. Not all applicants will qualify. Loan programs, rates, terms, and conditions are subject to change without notice and subject to underwriting and approval. One Real Mortgage Corp. is a mortgage broker that arranges loans with third-party lenders, and final loan approval rests with those lenders.
One Real Mortgage Corp. is affiliated with Real Broker, LLC and other companies owned by The Real Brokerage Inc. You are not required to use One Real Mortgage, or any affiliated company, as a condition of buying, selling, or refinancing a home. See the affiliated business disclosure.
Equal Housing Opportunity. One Real Mortgage does not discriminate on any prohibited basis.
TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.
Have a question about your loan options?
Text me anytime. Calls 8 AM to 7 PM CT.