Terms of Use

Last updated: 2026  ·  Jim Hoggan Mortgage / One Real Mortgage Corp.

By accessing and using this website (jimhogganmortgage.com), you agree to the following terms and conditions. If you do not agree, please discontinue use of this site.

Not a Loan Application

Nothing on this website constitutes a mortgage loan application, a commitment to lend, or an offer of credit. All loans are subject to credit approval, underwriting guidelines, sufficient collateral, and final approval by One Real Mortgage’s third-party lenders. Rates, terms, and programs are subject to change without notice. Not all applicants will qualify.

Informational Purposes Only

The content on this website is provided for general informational purposes only and does not constitute financial, legal, or tax advice. You should consult with qualified professionals before making any financial decisions. Jim Hoggan and One Real Mortgage Corp. make no representations or warranties about the accuracy or completeness of information on this site.

No Guarantee of Rates or Terms

Any rates, terms, or programs referenced on this website are illustrative only and are subject to change at any time without notice. A mortgage rate quote can only be provided after a complete loan application is submitted and your specific financial situation is evaluated.

Third-Party Links

This website may contain links to third-party websites. These links are provided for convenience only. Jim Hoggan and One Real Mortgage Corp. do not control, endorse, or take responsibility for the content of any third-party site.

Intellectual Property

All content on this website, including text, graphics, and design, is the property of Jim Hoggan / One Real Mortgage Corp. or its licensors and may not be reproduced without permission.

Equal Housing Opportunity

We are an Equal Housing Opportunity. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, national origin, religion, sex, familial status, disability, or any other protected class.

RESPA

One Real Mortgage is a mortgage broker that arranges loans with third-party providers, and a consumer’s loan is subject to final approval by One Real Mortgage’s third-party lenders to which One Real Mortgage brokers loans. The lender reserves the right to cancel, withdraw, or deny a consumer’s application, not One Real Mortgage. One Real Mortgage is an affiliate of companies owned by The Real Brokerage Inc. For more information about One Real Mortgage licensing and its affiliation with the Real companies, please visit onerealmortgage.com/affiliated-businesses. One Real Mortgage does not discriminate on any prohibited basis. Equal Housing Opportunity.

Limitation of Liability

To the fullest extent permitted by law, Jim Hoggan and One Real Mortgage Corp. shall not be liable for any damages arising from your use of, or reliance on, this website or its content.

Governing Law

These terms are governed by the laws of the State of Utah. Any disputes shall be resolved in the courts of Salt Lake County, Utah.

Changes to These Terms

We reserve the right to update these Terms of Use at any time. Changes will be posted on this page. Continued use of the website constitutes acceptance of the updated terms.

Contact

Jim Hoggan – Mortgage Loan Originator, NMLS #284263
One Real Mortgage Corp., NMLS #198414
400 Renaissance Center, Suite 2600, Office 2620, Detroit, MI 48243
Phone: 801-244-4261
Email: james.hoggan@onerealmortgage.com

⚠️ These Terms of Use are provided for informational purposes and should be reviewed by qualified legal counsel before publication.