What Real Originate is
Through Real Originate, One Real Mortgage offers select full-time real estate agents the chance to become part-time W2 employees as Real Originate Loan Officers. You keep serving your buyers and sellers, and you can also guide them, and your past clients, through purchase and refinance financing.
You are never on your own. Each Real Originate Loan Officer partners with an experienced internal loan officer who supports the file through processing and closing and oversees compliance.
Compensation is based on the work you perform on each loan and is governed by your loan originator compensation agreement with One Real Mortgage.
Who can apply
- Licensed real estate agents in states where One Real Mortgage is licensed
- Must obtain an individual mortgage loan originator license through NMLS
- Must be sponsored by One Real Mortgage in NMLS and employed part-time as a W2 employee
- One Real Mortgage can decline a candidate over a conflict of interest or compliance concern
From interest to your first closing
Raise your hand
Tell One Real Mortgage you are interested. Qualified candidates are contacted to talk through the program.
Get licensed
If accepted, earn your individual mortgage loan originator license. The steps are below.
Partner up
Once licensed and onboarded, you are paired with an internal loan officer for every transaction.
Engage clients
When a client is ready, send the loan application link and help gather what is needed.
Close and earn
Your partner supports the file to closing, and you receive permitted loan origination compensation.
Source: Real Originate Details (Real help center) and onerealmortgage.com/originate. Program availability depends on state law and licensing.
How to get your mortgage loan originator license
The federal SAFE Act sets the baseline. Your state can add more, so check your state's requirements in NMLS.
Create your NMLS account
Set up an individual account in the Nationwide Multistate Licensing System to get your NMLS ID.
Complete 20 hours of education
NMLS-approved pre-licensing: 3 hours federal law, 3 hours ethics, 2 hours nontraditional lending, and 12 hours of electives, plus any state hours.
Pass the SAFE MLO Test
Schedule through NMLS. The minimum passing score is 75%.
Apply for your state license
Submit through NMLS, including the background and credit checks your state requires.
Get sponsored
One Real Mortgage sponsors your license in NMLS, and you complete onboarding.
Licensed originators also complete at least 8 hours of NMLS-approved continuing education each year. Sources: NMLS pre-licensure and continuing education FAQs and SAFE MLO testing FAQ.
Build a mortgage network, five levels deep
One Real Mortgage's Level Up program pays recruiting and coaching compensation on loans closed by the licensed loan originators you bring in and the people they bring in, up to five levels.
| Level | Who | Basis points | On a $400,000 loan |
|---|---|---|---|
| Level 1 | Loan originators you recruit directly | 12 bps (0.12%) | $480 |
| Level 2 | Their recruits | 8 bps (0.08%) | $320 |
| Level 3 | Third level | 3 bps (0.03%) | $120 |
| Level 4 | Fourth level | 2 bps (0.02%) | $80 |
| Level 5 | Fifth level | 1.5 bps (0.015%) | $60 |
Rates from One Real Mortgage's official attraction deck, linked from onerealmortgage.com/join-orm. Level Up is subject to the Recruitment and Coaching Override agreement, including eligibility and any requirements to open each level. Dollar figures are simple math for illustration.
Stock awards and referral programs
One Real Mortgage loan officers can earn $15,000 in Real restricted stock units for closing $20M in annual production.
For referring a loan officer who closes a first deal within 90 days.
Active 1099 Real agents can refer a licensed loan officer to One Real Mortgage. If they are hired within 90 days of the introduction and stay 90 days, the agent earns a one-time placement fee. One Real Mortgage W2 employees are not eligible.
Stock awards are subject to the Loan Officer Awards Stock Grant Program terms and vesting. Source: onerealmortgage.com/join-orm.
Bring your business to One Real Mortgage
One Real Mortgage recruits experienced loan officers too. Its attraction deck describes:
- A built-in referral base inside Real's network of 35,000+ agents
- Full-time W2 employment with medical, dental, and vision coverage, a 401(k) match, and unlimited PTO
- 50+ loan programs through a managed lender panel
- No per-loan or platform fees, in-house marketing, dedicated processing, and a 90-day onboarding plan
- Coverage in 30 states plus D.C., and growing
See One Real Mortgage's careers page for current details, or book a call and I will connect you.
Talk through Real Originate
We will look at whether your state is eligible, what licensing takes for you, and how the partnership with an internal loan officer works day to day.
Disclosures
Employment and compensation information, not a consumer credit offer. Real Originate, Level Up, and stock award programs are offered by One Real Mortgage Corp. and The Real Brokerage Inc. and are governed by their program terms, compensation agreements, and applicable law, which control over anything on this page and can change. Figures are illustrations, not a guarantee of earnings.
Dylan Hernandez, NMLS #2681224. One Real Mortgage Corp., NMLS #198414 (NMLS Consumer Access). Equal Housing Opportunity.