Why One Real Mortgage

 
✅ Fast, reliable pre-approvals (often within 1 hour)

✅ Options for low down payment, jumbo, DSCR & more

✅ Personalized guidance, not pushy sales

✅ Licensed in PA & NJ, trusted by REALTORS® and buyers across the region

Our Mortgage Process

1
Schedule a FREE mortgage consultation with Zachary Grimmer, Mortgage Advisor

Schedule a FREE Consultation or Apply Online

When you schedule a free mortgage consultation, we will discuss your home buying or refinancing goals, your timeline and answer any questions. Once your ready, you can easily apply on our website for a mortgage pre-approval.

2
Apply today for a mortgage pre-approval with Zachary Grimmer, Mortgage Loan Originator

Get Pre-Approved or Refinanced

Once you're ready to learn more about your mortgage options, you can apply online for an obligation-free purchase pre-approval or mortgage refinance options.

3
Clear to Close - Mortgage Closing - Settlement Day - Moving Day - Zachary Grimmer Mortgage Officer

Close Confidently

Our team ensures a smooth mortgage process with updates every step of the way. We work diligently to anticipate what is needed and work to stay ahead. We take the headache out of the mortgage process.

Wondering what today's mortgage rates are?

Why Choose Zachary Grimmer for your Mortgage Needs?

Navigating the mortgage process can be daunting, but with the right partner, it becomes seamless and stress-free.

 

Here’s what sets me apart:

  • Extensive Mortgage Knowledge

    Having worked with clients across diverse financial backgrounds, I bring invaluable experience and a comprehensive understanding of the mortgage landscape in New Jersey and Pennsylvania. From first-time homebuyers to seasoned real estate investors, my team and I know how to tailor strategies to your unique needs.

    mortgage - home loan - One Real Mortgage - Zack Grimmer - Zachary Grimmer - MLO - mortgage advisor - mortgage loan officer - mortgage loan originator

  • Personalized Service and Support

  • Transparency and Integrity

  • Tailored Loan Options

mortgage - home loan - One Real Mortgage - Zack Grimmer - Zachary Grimmer - MLO - mortgage advisor - mortgage loan officer - mortgage loan originator
One Real Mortgage, New Jersey's premier mortgage broker | One Real Mortgage, Pennsylvania's premier mortgage broker.
Zachary Grimmer, New Jersey Mortgage Loan Officer with One Real Mortgage | Zachary Grimmer, Pennsylvania Mortgage Loan Officer with One Real Mortgage
New Jersey Home Purchase Mortgages and Refinancing Mortgages | Pennsylvania Home Purchase Mortgages and Refinancing Mortgages.
mortgage - home loan - One Real Mortgage - Zack Grimmer - Zachary Grimmer - MLO - mortgage advisor - mortgage loan officer - mortgage loan originator

Read Our Mortgage Blog

feature image of One Big Beautiful Bill Act: What PA & NJ Real Estate Players Need to Know
One Big Beautiful Bill Act: What PA & NJ Real Estate Players Need to Know
🏛️ One Big Beautiful Bill: What PA & NJ Real Estate Players Need to Know With the recent enactment of the federal One Big Beautiful Bill (H.R. 1) on July 4, 2025, housing markets in Pennsylvania and New Jersey are shifting rapidly. This sweeping new legislation permanently extends major President
feature image of When Life Outgrows Your Home
When Life Outgrows Your Home
When Life Outgrows Your Home   In today’s housing market, many homeowners are choosing to sell their house—even with the lingering appeal of low mortgage rates. And the reason isn’t always about chasing a better interest rate on a mortgage or making a financial gain. For many homeowners, it’s simpl
feature image of Zachary Grimmer Now Licensed Mortgage Advisor in Pennsylvania, Expanding Full-Service Real Estate Support for Local Clients
Zachary Grimmer Now Licensed Mortgage Advisor in Pennsylvania, Expanding Full-Service Real Estate Support for Local Clients
Zachary Grimmer Now Licensed Mortgage Advisor in Pennsylvania, Expanding Full-Service Real Estate Support for Local Clients For Immediate Release Philadelphia, PA – July 10, 2025 — Zachary Grimmer, a locally trusted name in real estate across Pennsylvania and New Jersey, is proud to announ
View More

Our Mortgage Loan Solutions

🏠 Buying Your Primary Home

 

✅ FHA, VA, USDA, and Conventional options
✅ First-time buyer programs + down payment assistance
✅ Local guidance across PA & NJ

🌊 Buying a Second or Vacation Home


✅ Finance your dream home at the Jersey Shore or the Poconos
✅ 10% down options available
✅ Understand tax and rental impacts

💼 Real Estate Investment with DSCR Loans


✅ No tax returns needed
✅ Qualify based on rental income
✅ Perfect for short-term and long-term rentals

🔁 Refinancing Your Current Home

 
✅ Lower your monthly payment or pull cash out
✅ Rate watch tools so you don’t miss your window
✅ Fast no-obligation refinance reviews

Mortgage Calculator – Estimate Your Monthly Payments Instantly
 

Take the guesswork out of home financing. Use our free mortgage calculator to get real-time payment estimates, then connect with our local Mortgage Advisor to move forward with confidence in your home buying journey.
$
$
%
%
Advanced
Payment
Schedule
Your mortgage payments over 30 years will add up to $0.

Thinking of refinancing?

Want to Watch the Market Before You Refinance?

 

With Real Amplify, One Real Mortgage's free interest rate watch program, stay up-to-date on when to refinance your mortgage.

mortgage refinance - mortgage refinancing in PA - mortgage refinancing in NJ - cash out refinance - refinance to lower rate - should I refinance my mortgage - how to refinance my mortgage- refinance loan officer near me

Common Questions About Mortgages

How much do I need for a down payment on a home?

The amount you need for a down payment depends on the type of home loan and your financial situation. While 20% is a common benchmark, many homebuyers put down less—some conventional loans allow as little as 3%, and FHA loans require just 3.5%.

What’s the difference between pre-qualification and pre-approval?
How does my credit score affect my mortgage rate?
What are closing costs, and how much should I expect to pay?
How long does the homebuying process usually take?
Can I buy a home if I’m self-employed or have irregular income?
What’s included in my monthly mortgage payment?

What is a 2-1 buydown, and how does it work?

How Much House Can I Afford?

Use this calculator to determine how much house you can comfrotably afford. By entering details about your income, down payment, and monthly debts, you can estimate the mortgage amount that works with your budget. Have questions about mortgages? Connect instantly with our local Mortgage Advisors.
$
$
$
%
Advanced
You can afford a home up to: $0
Your debt-to-income ratio is 40%
You might end up saving less.
View Affordable Properties
Payment Breakdown：
$0 Month

Ready to find the right mortgage?

Whether you're exploring the possibility of purchasing your first home, refinancing an existing mortgage, ready to build wealth through real estate investing or simply looking for sound financial guidance, Zachary and One Real Mortgage are here to help. Let’s take the next step together. Reach out today to discover why so many New Jersey residents trust One Real Mortgage with their home financing needs.

Zachary Grimmer. NJ Mortgage Loan Originator NMLS #2613478

Zachary Grimmer

Mortgage Loan Originator

Contact us today

NMLS #2613478
Cell: (215) 667-0238
Zachary.Grimmer@OneRealMortgage.com
485 Rt 1 South Bldg E, Ste 250, Iselin, NJ, 08830
Schedule Your Free Consultation Today

One Real Mortgage- New Jersey Mortgage Company

One Real Mortgage

New Jersey's Premier Mortgage Company

One Real Mortgage Corp.
NMLS# 198414
Office Address: 485 Route 1 South Building E, Suite 250, Iselin, NJ, 08830

Email: Info@OneRealMortgage.com

Phone #: 855.549.7001