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Today's Mortgage Rates
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THE REAL BUYER CREDIT
Get Up To $1,500 Credit Toward Your Home Purchase*
Eligible buyers may receive up to a $1,500 credit at closing* from Real when they work with a Real agent and finance their home purchase with One Real Mortgage (loan must be funded by September 30, 2026. If closing costs are below the max credit, buyer gets lower amount).
Terms and conditions apply. See full terms.
Questions?
Call 412-663-3325
One Real Mortgage at info@onerealmortgage.com or 855.549.7001.
Get Pre-Approved Or Refinance
Our average clear to close time is just 17 days. As a broker, we get you the best rate from over 24 lenders. Apply now.
Market Value Cash Offers
Forget the lowball companies like We Buy Ugly Houses - you'll get a market value offer and can close in as soon as 20 days. Avoid foreclosure or unload esate properties fast. Schedule A Consulation Now.
Don't Lose Out On Your Next Home Because You Need To Sell Yours To Buy
Get the cash you need to buy your next home now for as low as 2.6%. Learn more.
Meet Tony Tehfe, Your Local Mortgage Partner
Tony Tehfe, Senior Mortgage Advisor
One Real Mortgage | NMLS 198414
With 12 years of experience, Tony is a Pennsylvania-licensed mortgage loan officer. He’s passionate about helping buyers navigate the often confusing world of home financing. With a focus on clarity, honesty, and personalized service, Matt cuts through the jargon to make your mortgage experience as smooth and straightforward as possible.
Loan Products
Convention, FHA, VA, Home Renovation, DSCR, and more.
Ask about first time buyer downpayment assistance programs.
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The Difference Between
Prequalified & Preapproved
One of these things is not like the other
Mistakenly, many people swap these terms around interchangeable, but they mean very different things. It's important to understand the difference before you start the process. Read quick definitions below, or peruse a full article on the topic.
This is a quick, surface-level estimate of what you might be able to borrow.
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Based on information you provide (like income or debts)
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No documentation or credit check required
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Useful early in the process — but not strong enough for a serious offer
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This is a verified, lender-backed approval for a specific loan amount. You just need to pick a property! (Peanut's excited about this part).
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Requires documentation and a credit check
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Proof of employment/pay stubs
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Banking Account Information
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Shows sellers that a lender has reviewed and approved your finances
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Sellers won't usually (really ever) entertain an offer without pre-approval, and most agnet's won't take you as a client without it either.
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Getting pre-approved for a mortgage will use your credit score - specifically your mortgage credit score, but other factors beyond your mortgage credit score are considered:
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Income
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Debt to income ratio
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Student loan debt
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Assets
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Employment History/Length of time in current job
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Amount of your down payment - which if any of the above raise concerns, a higher down payment can help.
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This is not the same scoring model used for credit cards or car loans.
Different loan types have different credit scoring models that are used.
You cannot get this score in say, Credit Karma, or similar sites. Before you start, checking your mortgage score is a wise idea. Sites like MyFico.com offer it - you can usually get a month free but worth the $20-$30 you'll pay if you're not applying right away for a mortgage.
You can also talk to a lender who can get you started.
Cash Offers
Sell Your Home Fast
Get MULTIPLE market value cash offers for your home.
You've seen ads for this before - but those companies low ball and rip people off. Our platform, powered by Zoodealio, gets you market value cash offers, getting you more money for your home.
Benefits:
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Fast closing
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Avoid foreclosure or doing a short-sale
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Leaseback options - avoid the stress of where you'll go next for up to two years.
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Unload problematic estate homes
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Get multiple offers and choose the best.
Click below to learn more or get an instant cash offer.
Did you know unoccupied staged homes fetch 10% more on average? When you need to sell your home as a contingency of an offer, it can cause you to lose out on homes.
Buy Before You Sell isn't the right fit for all, but using your home's equity that is paid back at closing can be the right option for some. PS. I do not get any compensation if a client uses HomeLight. It's just a tool in my toolbox to help when it makes sense.
With our Buy Before You Sell program, you get:
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Convenience and better timing. Use the equity in your current home to purchase your new one – all before even listing it.
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Lower interest rate than a bridge loan with more simplicity.
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The ability to make a non-contingent offer. Win your dream home by making a strong offer on your new home without a home sale contingency.
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Less stress. Move into your new home while we list and stage your current home unoccupied, allowing us to likely sell it for more.
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Approval in minutes.
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Loan is paid back out of closing
Mortgage Calculators
Learn About Different Types Of Mortgages
And Their Interest Rates
First Time Home Buyer Mortgages (FHA)
Did you know? A first time home-buy is someone who has not purchase a home in 7-years or more. That means you may still qualify for an FHA loan even if it's not your first home.
What’s an FHA Loan?
FHA loans are mortgages backed by the Federal Housing Administration, designed to make homeownership more accessible—especially for first-time buyers. They typically allow lower credit scores and require a down payment as low as 3.5%, making them a popular option if you're just starting out or don’t have perfect credit.
Pros and Cons at a Glance
The biggest advantage of an FHA loan is flexibility: lower upfront costs and more forgiving credit requirements. But there are trade-offs. FHA loans require mortgage insurance premiums for the life of the loan, which can bump up your monthly payment. Plus, the home has to pass a strict FHA appraisal with safety and livability standards—meaning some fixer-uppers or older homes may not qualify. That can limit your options, especially in competitive markets.
So You Got Approved. Now STOP SPENDING.
Credit Freeze
Many tears have been shed at the closing table, and they were not tears of joy because this advice requirement was not followed.
Once you are approved for a mortgage, you cannot spend anything, open new credit, zero zilch nada. Your lender will revoke your approval. Your lender will check your credit multiple times during the process and possibly up to the closing itself on that day.
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Do not open new credit cards.
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Do not use your credit cards.
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Do not buy or lease a car.
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Do not finance furniture, flooring, gutters, appliances, nothing... until after your closing.
