Three income streams are better than one.
Business as usual on your own loans, plus two income streams that don't exist for you anywhere else.
Not a loan officer? See the agent program
75,000 agents. 20 loan officers.
Real has more agents than any brokerage in the country and almost nobody to write their loans. Those borrowers still need a mortgage — so the files go to whoever is here.
Business as usual
The book you already have, the borrowers you already source. Nothing about how you work changes.
Loans handed to you
MLOs source the borrower and pass you the file to complete. Volume you didn't buy and didn't chase.
Network income
Coach and attract agents into the program, then earn on every loan your network funds — five levels deep, whether you touch the file or not.
What it takes to join.
Level Up is built for established loan officers, not new ones. Two minimums, stated up front so you know before you start.
Consistent, current production. This is the volume that tells us you can carry the referral flow the agent network sends you.
Enough time in the seat to run a file end to end without hand-holding, across more than one rate environment.
You also need an active MLO license in good standing in a state where One Real Mortgage operates. See the full eligibility list.
They source the borrower. You close the loan.
Every loan is a two-person team: an MLO stays close to their client and hands you the file — you process, lock and close.
One Real Mortgage Loan Officer
That's you.
- Get paired with MLOs in your market
- Complete the loans they originate — process, lock and close
- Earn on your own production and on every file they send you
Real Originate Agent
They bring you the borrower.
- Send the application to the client
- Answer the client's questions
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.
Everything an originator needs, all in one place.
Keep originating as you do today
Your pipeline, your clients, your process. Nothing about how you write a loan changes — you just write it at One Real Mortgage.
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.
Keep originating.
Start earning on your network.
Move your license to One Real Mortgage and nothing about your day changes. What is added is the ability to bring other originators with you and earn on every loan they fund. If you check these boxes, you're eligible.
You're an NMLS-licensed loan officer
Active in one of the 30 states + DC where One Real Mortgage operates. Your license moves with you, so there is no exam and no re-education.
You keep writing your own loans
Your pipeline, your borrowers, your process. Full-time or part-time, you originate exactly as you do today, just at One Real Mortgage.
You want a second income stream
Bring other originators with you and earn on what they produce, up to five levels deep. That is the part that does not exist for you anywhere else.
You sign your LOI with your sponsor
You join under the person 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.
Keep your pipeline.
Build your network.
The platform loan officers use to run their pipeline, grow a network, and track payouts — all in one place.