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Motto Mortgage mortgage review

This lender offers a “one-stop shop” with real estate agents and mortgage brokers under one roof, but it’s not available in all states.

With Motto Mortgage, you don’t work with a single bank or lender. Rather, you have access to a mortgage broker’s entire network of lenders to help you find the best deal. But it’s not transparent about fees and is only available in 33 states.

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Loan products offeredConventional, Jumbo, FHA, VA, Reverse, Refinance
Minimum credit scoreConventional: 620
Minimum down payment (Conventional)3%
State availabilityAK, AL, AR, AZ, CA, CO, DE, FL, GA, HI, IA, ID, IL, IN, KY, LA, MA, MD, MI, MO, MT, NC, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, WY
NMLS #Each Motto Mortgage office has its own NMLS

Motto Mortgage requirements

To find out if you meet the requirements, you’ll need to get in touch with the company or start an online application.

Basic eligibility for a loan with Motto Mortgage includes:

  • Residency in eligible states
  • Employment history for the past two years
  • A FICO credit score of at least 620 or higher
  • No history of bankruptcy in the last two years


While everyone’s situation is different, here’s the basic documentation you’ll need to apply for a home loan from Motto Mortgage.

  • Photo identification
  • Employment history for the past two years
  • Pay stubs for the past 30 days and year-to-date
  • Most recent two years’ W-2s and/or 1099 forms
  • Most recent two years’ tax returns
  • The source of funds for your down payment
  • A list of current debts for the past three months
  • Other documentation

If you’re self-employed, you’ll also need:

  • Most recent two years’ business federal income tax returns
  • A year-to-date P&L statement and current balance sheet

Costs and fees

Motto Mortgage doesn’t charge broker fees. But each lender that Motto Mortgage works with has its own origination fees, which typically range between $750 and $1100, depending on the lender and loan product. This fee can be paid upfront or rolled into your mortgage payment.

How to apply for a mortgage with Motto Mortgage

To apply for a mortgage with Motto Mortgage, either call the company or start an online application. To begin the process for the latter:

  1. Visit the Motto Mortgage website and enter your zip code in the search box to find an office in your area.
  2. View the list of available offices near you. Choose an office and select Visit Website.
  3. Select Connect under Find a Mortgage Expert to view a list of available loan officers.
  4. Choose a loan officer and select Apply Now.
  5. You’ll be redirected to, where you can start the application process.
  6. Answer the questions to complete the application and wait to be contacted by a loan officer.

What types of mortgages can I get through Motto Mortgage?

  • Conventional
  • FHA
  • VA
  • USDA
  • Jumbo
This company accepts mortgage refinance applications.

Other mortgage products offered by Motto Mortgage

Motto Mortgage also offers these specialized types of mortgages:

  • Mortgage refinancing. You can use a refinance mortgage to lower your interest rate, shorten your loan’s term or to pay off expenses.
  • Hybrid ARMs (3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM). These mortgages combine features of fixed-rate and adjustable interest rates.
  • Interest-only mortgages. A good option for investors, this loan type offers lower interest-only payments for a set period of time.
  • Balloon mortgages. Offers a note rate that remains fixed at the beginning, with the principal balance becoming due at the end of the loan’s term.
  • Graduated payment mortgages. A loan in which your monthly payments increase yearly for a set period, like five or 10 years. Afterward, payments become fixed.

How Motto Mortgage’s mortgage products compare to other lenders

Compared with other lenders, Motto Mortgage offers a standard range of loans, plus interest-only and balloon loans for investors and high-worth individuals. What makes Motto Mortgage different from other lenders is that it offers real estate agents and mortgage brokers in one place, giving you access to multiple loan options and rates without having to shop around.

Compare mortgage lenders and brokers

Compare these lenders and lender marketplaces by the type of home loan you’re searching for, state availability and minimum credit score (for a conventional loan). Select See rates to provide the company with basic property and financial details for personalized rates.

Name Product Loan products offered State availability Min. credit score
(NMLS #1429243)
Conventional, Jumbo, Refinance
Preapproval in minutes and closing in as little as 3 weeks with no origination fees.
(NMLS #1121636)
Conventional, Home equity, Refinance
Not available in: HI, MO, NM, NY, WV
No hidden fees, multiple loan terms, and member discounts available.
Rocket Mortgage
(NMLS #3030)
Rocket Mortgage
Conventional, Jumbo, FHA, VA, Refinance
Available in all states
Streamline your mortgage from quote to final payment — all from your computer or phone.
(NMLS #330511)
Conventional, Jumbo, FHA, Refinance
Not available in: HI, MA, MN, NV, NH, VT, VA
Online preapproval in minutes and no origination fees with this direct lender.
(NMLS #1136)
Conventional, Jumbo, FHA, VA, USDA, Home Equity, HELOC, Reverse, Refinance
Available in all states
Connect with vetted home loan lenders quickly through this online marketplace.

Compare up to 4 providers

Motto Mortgage reviews and complaints

As of March 2021, Motto Mortgage has a 5 out of 5 rating on Zillow from 23 customers who report receiving excellent service from their loan officers and lower-than-expected fees and closing costs. Motto Mortgage is not accredited with the Better Business Bureau (BBB).

Customers report being thrilled with their loan officers’ level of knowledge, trustworthiness and ability to get things done. We couldn’t find any negative reviews about the company, but there are only a small number of reviews posted online at this time.

Pros and cons of Motto Mortgage


  • Multiple lenders. Motto Mortgage loan originators are not tied to mortgages from any specific lender and have access to loans and rates from various sources.
  • Faster than average closing. Motto Mortgage claims its average clear-to-close time is 11 days — much faster than the industry average of 47 days.
  • Range of home loans. The company offers a solid range of conventional and government-backed loans, plus hybrid ARMs and investor loans.


  • Not available in all states. Motto Mortgage is only available in eligible states.
  • Costs and fees not listed. The Motto Mortgage website doesn’t provide information about costs or fees.
  • Few online customer reviews. Currently, there are only a handful of online reviews about the company.

What is Motto Mortgage?

Founded in 2016 and headquartered in Denver, Colorado, Motto Mortgage is a member of RE/MAX and is a network of locally owned and operated mortgage brokerages across the US. By working directly with loan originators, Motto Mortgage aims to provide homebuyers and refinancers access to a wholesale lending mix of competitive interest rates. Every Motto Mortgage office is independently owned, operated and licensed.


Review by

Kat Aoki is a mortgage writer at Finder. Since 2011, she’s helped consumers make better financial decisions with their home loans, credit cards, insurance and more. As a business writer for the real estate, mortgage and personal finance industries, she’s written hundreds of helpful, informative articles for some of the leading brands around the globe that include iSelect, InfoChoice,, GE Money and Amex. Kat earned a BS in Marketing from California State University, Sacramento. She enjoys travel, hiking and photography in her spare time.

Expert review

If you’re looking for a lender that offers both real estate services and mortgage brokers in one place, Motto Mortgage could be an excellent choice.

Each Motto office is independently owned, and loan officers don’t steer you towards any particular loan product. Rather, they monitor lenders that adjust their rate daily based on volume and try to find the lowest rate for you as they change.

Because Motto Mortgage doesn’t advertise its current rates or fees online, you may want to call and get prequalified to see what your available rates might be. The loan officer we spoke with was extremely helpful and knowledgeable.

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