Originate loans. Build a network. Get paid on both.
Become a licensed MLO, build a 5-level network, and earn level up income on every loan your network funds.
Are you a loan officer? See the loan officer program
What it takes to join.
ORM LevelUp is built for agents already doing consistent buyer business. Two minimums, stated up front so you know before you start.
Enough steady buyer volume that originating their mortgage is a natural extension of work you are already doing.
The minimum you originate once licensed. Well inside what six buyer-side deals produces, so meeting the first generally means meeting this one.
You also need an active MLO license in good standing in a state where One Real Mortgage operates. See the full eligibility list.
You stay connected. We handle the mortgage process together.
Real Originators work alongside experienced One Real Mortgage loan officers to provide clients with a connected mortgage experience from application through closing.
Real Originate Agent
Stay connected to your client
- Introduce the mortgage conversation
- Help clients get started with ORM
- Stay engaged throughout the experience
- Perform licensed mortgage activities as permitted
ORM Loan Officer Partner
Mortgage expertise and support
- Work alongside you and your client
- Guide the mortgage process
- Provide financing expertise and support
- Help move the loan from application through closing
Real Originators are licensed mortgage loan originators employed by One Real Mortgage. Activities are subject to applicable licensing requirements, company policies and state law.
See what your network could pay you.
Every funded loan in your network pays bps based on depth and your active sponsee count. Drag the sliders to model your own production, network, and stock bonuses.
Compensation examples are illustrative. No income guarantee is made. Results are hypothetical and vary by individual performance. Subject to the Recruiting and Coaching Compensation Program Agreement.
Earn override bps five levels deep.
Sponsor and coach more loan officers to unlock deeper levels — and earn basis points every time your network funds a loan. No cap on revenue.
| Level | Sponsored originators needed | BPS earned |
|---|---|---|
| 1 | 0 | 12 |
| 2 | 5 | 8 |
| 3 | 10 | 3 |
| 4 | 15 | 2 |
| 5 | 20 | 1.5 |
- YouYour own production$5,000
- Level 1Direct sponsees$1,200
- Level 22 × $800$1,600
- Level 34 × $300$1,200
- Level 48 × $200$1,600
- Level 516 × $150$2,400
Illustrative only. Results are not guaranteed and depend on ongoing recruiting and coaching activity. Subject to the Recruiting and Coaching Compensation Program Agreement.
Earn equity while you grow.
On top of commissions and overrides, top producers earn Real Brokerage stock — turning your production into ownership.
Backed by One Real Mortgage.
ORM LevelUp is One Real Mortgage's education and licensing program for real estate professionals who want to become licensed mortgage loan originators. Participants receive a guided path to licensure, training, and operational support to originate mortgage loans through One Real Mortgage. Eligible participants may also have leadership and business development opportunities, including coaching and team-building programs, with compensation based solely on compliant mortgage origination and company-approved compensation plans.
Learn more at One Real MortgageFrom sign-up to your first commission.
Everything an originator needs, all in one place.
Earn on every loan
50 basis points on every loan you originate. Your internal Sr. MLO partner handles processing and rate lock — you focus on clients.
Build a network
Level Up compensation up to 5 levels deep. Starting at 12 bps for direct sponsees.
Stock grants too
$15,000 RSU when you close $20M annual production. $500 RSU per sponsee who closes inside 90 days of licensure.
Guided licensing path
20 hr national PE + state PE + SAFE exam — with drip reminders, milestone tracking, and your sponsor guiding you through.
Real Brokerage backed
ORM is One Real Mortgage — the in-house lender of Real Brokerage. Licensed in 30 states + DC. 17+ lender partners.
Sponsorship locked
Every prospect arrives via their sponsor's invite link. No poaching, no contested credit. The people you bring in stay yours.
Expand your skillset without
losing focus on your clients.
ORM LevelUp pairs you with a Mortgage Loan Officer who handles processing and rate lock — so you keep serving your homebuyers and sellers seamlessly while earning on the mortgage too. If you check these boxes, you're eligible.
You're a licensed real estate agent
Active in one of the 30 states + DC where One Real Mortgage operates. Keep serving your buyers and sellers exactly like you do today.
You're ready to get NMLS-licensed
20-hour national PE + state PE + the SAFE exam. We guide you the whole way with drip reminders and milestone tracking.
You originate as a part-time W2 MLO
To stay compliant, originators are NMLS-licensed, part-time W2 employees of One Real Mortgage Corp., actively involved in each loan.
You sign your LOI with your sponsor
You join under the sponsor who invited you and sign your Letter of Intent — locking your spot in their network for good.
Where we are open.
ORM LevelUp is live in these 30 states + DC — and expanding. Don't see yours yet? Sign up free and we'll notify you the day it opens.
Elevate your success.
Originate your way.
The platform agents use to manage their licensing, network, loan pipeline, and payouts — all in one place.