One Real Mortgage

Technology-Enabled Home Financing, Integrated Into Every Real Transaction

One Real Mortgage is Real's technology-enabled mortgage company, operating in more than 20 states and growing. It brings the same philosophy to mortgage lending that Real brought to brokerage: use proprietary technology to reduce friction, integrate with the agent's existing transaction workflow, and deliver a better experience for buyers and agents than the disconnected mortgage-plus-brokerage relationship that has been the industry standard for decades. As of February 2026, One Real Mortgage had 119 mortgage loan officers, including 85 affiliated with the Real Originate program, and its revenue grew 26 percent year-over-year in Q4 2025, with a new CEO, Kate Gurevich, appointed in January 2026 with nearly 20 years of mortgage industry experience.

For buyers working with Real of Pennsylvania agents in Chester County, One Real Mortgage represents a financing option that is connected to the same platform managing the transaction, meaning smoother communication between the lender, the agent, and the closing team, with status updates and document management integrated rather than siloed. For Real of Pennsylvania agents, referring buyers to One Real Mortgage creates a transaction team that is operating on shared infrastructure.

The Buyer Credit

One Real Mortgage is currently offering qualifying buyers up to $1,500 in credit at closing when they finance their home purchase through One Real Mortgage on qualifying loans funded by September 30, 2026. For Chester County buyers purchasing at the county's median price of approximately $500,000, a $1,500 credit at closing is a meaningful reduction in out-of-pocket closing costs. This incentive is designed to encourage buyers working with Real agents to keep their financing within the Real ecosystem, creating a more integrated transaction experience and deepening the platform value for all parties.

Loan Products

One Real Mortgage offers the full suite of residential loan products: conventional fixed and adjustable-rate mortgages, FHA loans, VA loans for eligible veterans, jumbo financing for properties above the conforming loan limit, and portfolio products for buyers with non-standard income documentation. The 2025-2026 conforming loan limit is $806,500 for standard areas with a maximum baseline of $1,209,750 for high-cost areas. Chester County buyers purchasing properties below the standard conforming limit have access to the full conventional loan product suite. Buyers in markets like T/E, Great Valley, and West Chester, where transactions frequently approach or exceed the conforming limit, have access to One Real Mortgage's jumbo products.

Real Originate — Agents Who Also Originate

The Real Originate program allows eligible Real agents to also originate mortgage loans. As of February 2026, 85 Real agents were participating in the Real Originate program as dual-licensed real estate and mortgage professionals. For an agent with the appropriate licensing in Pennsylvania, the ability to originate the mortgage on a transaction where they are also representing the buyer creates additional income from the same client relationship and simplifies the transaction experience from the buyer's perspective. Real Originate is designed for agents who want to expand their services and income within the One Real ecosystem.

HeyLeo Integration

One Real Mortgage integrates directly with HeyLeo, Real's consumer-facing AI home search platform. When a buyer using HeyLeo reaches a point in their search where pre-approval is relevant, typically when they have identified homes they want to pursue seriously, HeyLeo can connect them to One Real Mortgage for pre-approval within the same conversational flow. This seamless handoff from search to financing reduces the friction that typically causes buyer momentum to stall between the interest stage and the serious pursuit stage. For Chester County buyers in a market where active homes receive multiple offers within days, maintaining that momentum matters.

The Technology Difference

What distinguishes One Real Mortgage from a standalone lender is the integration with Real's transaction platform. When an agent and their buyer are working in reZEN on a transaction and the mortgage is originated through One Real Mortgage, the communication between the brokerage and the lender happens within the shared platform infrastructure rather than across separate email threads and phone calls. Milestone updates, document uploads, and status changes flow between the parties in an organized, trackable way. For buyers who have experienced the stress of a transaction where the lender and the agent appeared to be operating in separate universes, this integrated model represents a meaningfully different experience.