Your Home Loan,
Made Simple
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O.N.E. Florida Group is a proud partner of One Real Mortgage
Get pre-qualified before you shop. Our mortgage broker shops dozens of lenders to find you the best rate — so you don't have to.
Process
How It Works
Apply Online
Complete a quick application in minutes. Upload documents securely from anywhere.
We Shop Lenders
Your mortgage advisor compares rates from dozens of wholesale lenders to find the best fit.
Get Pre-Qualified
Receive your pre-qualification letter so you can shop with confidence and make strong offers.
Your Agent, Our Team
Because we're embedded in the O.N.E. Florida Group, your agent and mortgage advisor work hand-in-hand — sharing updates, timelines, and details in real time.
Close & Move In
With your agent and lender already in sync, closing is seamless. No surprises, no delays — just keys in your hand.
Tools
Mortgage Calculator
Estimate your monthly payment and see a full amortization breakdown.
Estimated Monthly Payment
$2,540
30-year purchase at 6.50%
Loan Amount
$320,000
Total Interest
$408,142
Why Us
Why One Real Mortgage
A mortgage broker that shops the best rates from dozens of lenders — so you always get the deal you deserve.
Competitive Pricing
Using cutting-edge technology and a wide network of lenders, One Real Mortgage finds you the best rates and terms available — saving you money on your loan.
50+ Loan Products
As a mortgage broker with access to over 50 products and an extensive range of loan options, they find a custom solution that fits your unique situation.
$1,500 Buyer Credit
Use One Real Mortgage with your O.N.E. Florida Group agent and receive up to $1,500 toward closing costs — an exclusive perk of our partnership.
20+ Years & 1,000+ 5-Star Reviews
With over 20 years of experience, backed by Real, and more than 1,000 five-star reviews, their mortgage experts are here to guide you to the right loan.
Real-Time Updates
Their state-of-the-art web app simplifies the entire process. Submit documents, get real-time loan updates, and communicate with your loan officer — all from your phone or computer.
Seamless Agent Integration
Your loan officer and real estate agent work as one team. No miscommunication, no delays — just a smooth path from offer to closing.
Transparent & Trustworthy
No hidden fees, no bait-and-switch rates. Full transparency on every quote, every step of the way.
Veteran & First-Time Friendly
Specialized in VA loans, FHA, and first-time buyer programs. Whatever your situation, there is likely a program that fits.
U.S. Navy VeteranYour Mortgage Advisor
Justin Howell
Loan Originator · NMLS #2354322 · Co-Owner, O.N.E. Florida Group
Justin is a U.S. Navy veteran, co-owner of the O.N.E. Florida Group, and a licensed Loan Originator with One Real Mortgage. By keeping your agent and your lender under one roof, Justin eliminates the miscommunication and delays that slow most deals down — simplifying and expediting the entire mortgage process from pre-qualification to keys in hand. It's one team, one mission: getting you home.
USMC VeteranYour Mortgage Advisor
Christopher Austin
Mortgage Advisor · NMLS #648815
Chris is a U.S. Marine Corps veteran turned mortgage expert who brings the same dedication and discipline to every loan he closes. Partnered directly with the O.N.E. Florida Group, Chris ensures your financing is locked in before you even start house hunting — so when you find the one, you're ready to move.
Serving Those Who Served
O.N.E. Florida Group is veteran-owned and run, and our entire team — including mortgage advisor Chris Austin, a proud U.S. Marine — is REAL Military certified. We understand VA loans, BAH, PCS timelines, and the unique challenges military families face when buying a home. You're not just another file — you're family.
PCS to Florida?
Military PCS Relocation Hub
Base locations, BAH rates, neighborhoods, schools, VA loan tools, and a free relocation guide — everything you need for your move to Northeast Florida.
FAQ