Start my match
One application, dozens of lenders

Stop shopping lenders
one tab at a time.

Broker One Mortgage runs your numbers against our full lending panel at once, then hands you the one offer that actually fits — not a list of forty tabs you have to compare yourself.

Find my match → Browse loan types
Soft credit check only · Licensed mortgage brokerage · Answer within one business day
How matching works
42 lenders plotted, one match found
Rate vs. approval likelihood for a sample $340,000 purchase
Your match 5.87% APR
Panel lender Recommended fit
42+lenders on our active panel
$680Min home loans placed since launch
19 hrsaverage time to first offer
4.8/5average client rating
Loan options

Every path to a home, under one roof

Whichever category you fall into, the same panel of lenders gets checked — you're never routed to a single in-house product.

01

Conventional Purchase Loans

Standard fixed and adjustable-rate loans for buyers with straightforward income and a down payment ready to go.

as low as 5% down
02

Refinancing & Cash-Out

Lower your rate, shorten your term, or pull equity out for renovations and debt payoff — modeled side by side before you commit.

break-even calculator included
03

FHA & VA Loans

Government-backed options for lower down payments and eligible veterans, matched to lenders who specialize in each program.

0% down for eligible VA buyers
04

Jumbo & High-Balance Loans

Financing above conforming loan limits, with lenders selected for how they treat larger, more complex borrower profiles.

up to $3M
05

Self-Employed & 1099 Borrowers

Bank-statement and asset-based programs for borrowers whose tax returns don't reflect their real cash flow.

no W-2 required
06

Second Home & Investment Loans

Financing for vacation properties and rental units, underwritten against rental income where it qualifies.

rental income counted
Our process

What happens after you hit "find my match"

Four stages, always in this order, so you know exactly what we're doing with your file at any given moment.

01 / Intake

A 15-minute intake call

We collect income, assets, target property type and timeline — enough to run a real comparison, not a generic estimate.

02 / Match

Panel-wide comparison

Your file is checked against our full lender panel simultaneously, scored on rate, approval likelihood and total closing cost.

03 / Submission

We submit and track the file

Your dedicated broker handles document requests and underwriter questions, so you're not relaying messages back and forth.

04 / Closing

Final offer review, then closing

We review the closing disclosure line by line against what was originally quoted before you sign anything.

Broker insights

Straight answers on rates and lending

Written by the brokers who actually work these files, not a marketing team.

Purchase Modern suburban house exterior
6 min read · Rate shopping

Why checking 40 lenders yourself usually backfires

Rate sheets update daily and aren't apples-to-apples across lenders. Here's what actually gets missed when you compare quotes manually.

Read the article →
Refinancing Person signing mortgage documents
5 min read · Break-even

The refinance break-even point most people never calculate

Closing costs on a refinance can take years to recoup at the wrong rate spread. A simple formula to check before you sign anything.

Read the article →
Self-employed Financial charts and reports on desk
7 min read · Bank statements

How bank-statement loans read your income differently

Tax deductions that shrink your reported income don't have to shrink your borrowing power. Here's how these programs actually qualify you.

Read the article →
Government-backed Family unpacking boxes in a new home
5 min read · FHA vs VA

FHA or VA: which government-backed loan actually fits

Eligibility, mortgage insurance and down payment rules differ sharply between the two programs. A side-by-side breakdown.

Read the article →
Jumbo loans Large modern residential home
6 min read · High-balance

What actually changes once your loan crosses the jumbo line

Reserve requirements, appraisal rules and rate spreads all shift once a loan exceeds the conforming limit. Here's what to prepare for.

Read the article →
Investment property Rental apartment building
6 min read · Rental income

How lenders decide how much rental income actually counts

Not every dollar of projected rent gets added to your qualifying income. The formula lenders use, explained plainly.

Read the article →
Client reviews

What clients say once the loan closes

Collected after each closing, unedited.

"
★★★★★

I'd been quoting rates myself for three weeks and getting nowhere. Broker One came back with a better offer than any of them in under two days.

Portrait of Nathan B.
Nathan B.
First-time buyer, purchase loan
"
★★★★★

The break-even calculator talked us out of refinancing too early, which saved us more than the lower rate would have earned us that year.

Portrait of Claire V.
Claire V.
Refinance client
"
★★★★★

As a freelancer, every bank had rejected my tax returns as "too low." Broker One found a lender that actually looked at my bank statements instead.

Portrait of Imani S.
Imani S.
Self-employed borrower
"
★★★★☆

Our VA loan closed with zero down and no surprises on the closing disclosure. Every fee matched what we were quoted at the start.

Portrait of Gregory H.
Gregory H.
VA loan, veteran homebuyer
"
★★★★★

Our jumbo loan needed a lender comfortable with a non-standard reserve structure. Broker One had one ready within a week, not a month.

Portrait of Elena R.
Elena R.
Jumbo loan client
"
★★★★★

They counted the rental income on our duplex correctly the first time, when two other lenders had lowballed our qualifying number.

Portrait of Tomas & Ana L.
Tomas & Ana L.
Investment property loan

Ready to see your actual match?

Share your income, target purchase price and timeline, and a broker will come back with real lender comparisons — not a generic rate estimate.

support@onemortgagebr.com
Email a broker →
Before you ask

Common questions

No. The initial matching process uses a soft credit pull, visible only to you. A hard inquiry only occurs once you choose to move forward with a specific lender's application.

Through a lender-paid origination fee disclosed on your closing documents, or in some cases a broker fee agreed with you in writing beforehand. We disclose the structure before any application is submitted.

A decline from one lender rarely means a decline everywhere. Different lenders weigh income type, reserves and credit history differently, which is exactly the gap panel-wide matching is built to close.

Most purchase loans close in 25 to 35 days from the initial match, depending on the lender and how quickly requested documents come back to us.