Motto Mortgage specializes in providing personalized mortgage brokerage services, offering clients access to a wide range of loan products and lenders to help them find the right financing options for their home purchase or refinance needs.
KEY FRANCHISE STATS
Franchisees
?
234
+
60%
60%
Franchise fee
?
$35,000
Investment
?
$61,000 - $90,000
Revenue (AUV)
?
Undisclosed
$0
+
n.a.
n.a.
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Founded in 2016, Motto Mortgage has emerged as a trailblazer in the U.S. mortgage brokerage industry. As the first franchise brand to nationalize the mortgage brokerage concept, it introduced a groundbreaking business model that pairs home loan services with real estate operations to deliver a more streamlined client journey.
Operating from its headquarters in Denver, Colorado, Motto Mortgage started franchising the same year it launched. The franchise provides access to a broad portfolio of mortgage solutions, including conventional loans, government-backed FHA and VA loans, as well as refinancing services—tailored to meet a wide range of borrower profiles.
Motto Mortgage’s standout feature is its ability to empower real estate professionals by integrating financing solutions into their business offerings. This innovative synergy not only simplifies the process for homebuyers but also unlocks new revenue opportunities for franchisees within the real estate space.
Initial investment
The initial investment required for a Motto Mortgage franchise is
$61,000 - $90,000.
That is the total cost you would need to finance if you were to start this franchise.
These costs are provided by the franchisor in the Franchise Disclosure Document.
Type of Expenditure
Amount
Initial Franchise Fee
$35,000
Office Set-Up/Improvements
$1,000 – $4,000
Furniture, Fixtures and Equipment
$1,500 – $2,000
Real Estate/Rent
$3,000 – $6,000
Security Deposit
$500 – $1,000
Computer System and Telephony
$2,000 – $4,000
Licenses and Permits
$2,500 – $5,000
Local Advertising
$0 – $800
Professional Fees
$1,500 – $4,000
Signage
$500 – $1,250
Opening Inventory and Supplies
$500
Education Expenses
$1,500 – $3,500
Insurance
$1,000 – $2,500
Additional Funds – 4 months
$10,000 – $20,000
TOTAL ESTIMATED INITIAL INVESTMENT
$60,500 – $89,550
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Type of Expenditure
Amount
Initial Franchise Fee
$35,000
Office Set-Up/Improvements
$1,000 – $4,000
Furniture, Fixtures and Equipment
$1,500 – $2,000
Real Estate/Rent
$3,000 – $6,000
Security Deposit
$500 – $1,000
Computer System and Telephony
$2,000 – $4,000
Licenses and Permits
$2,500 – $5,000
Local Advertising
$0 – $800
Professional Fees
$1,500 – $4,000
Signage
$500 – $1,250
Opening Inventory and Supplies
$500
Education Expenses
$1,500 – $3,500
Insurance
$1,000 – $2,500
Additional Funds – 4 months
$10,000 – $20,000
TOTAL ESTIMATED INITIAL INVESTMENT
$60,500 – $89,550
Franchise Disclosure Document
Below is Motto Mortgage's 2024 Franchise Disclosure Document. Upgrade to Pro or purchase the FDD to view and download the document.
Number of units
Motto Mortgage had 234 total units in 2024, of which 234 were franchised-owned and 0 company-owned.
Motto Mortgage provides a structured educational framework to support franchisees in operating their mortgage offices effectively. The training programs encompass both foundational and ongoing education, ensuring continuous development for franchise owners and their teams.
Initial Education Program This program is mandatory and provided at no additional charge for up to two attendees per franchise. It includes approximately 21 hours of instruction on office setup, business operations, branding, recruitment strategies, and an introduction to mortgage wholesaling. The sessions are delivered in-person in Denver, Colorado, or virtually, using diverse materials such as digital files, workbooks, and audio-visual aids.
Ongoing and Periodic Education Franchisees and key staff must participate in additional training sessions throughout the franchise term. This includes annual national meetings, refresher courses, and online or in-person educational modules covering operational updates and best practices. Motto periodically offers advanced training seminars and conventions to enhance system-wide knowledge and community engagement.
Consultation Services and On-Site Support Upon request, Motto offers customized consultation services, including on-site assessments and specialized training for office personnel. These services, though optional, are designed to address unique challenges and promote operational excellence.
Territory Protection
Motto Mortgage does not offer any form of exclusive or protected territory to its franchisees. Each franchisee is granted the right to operate at a specific, approved address-only location, but this does not include any rights to prevent the franchisor from opening competing outlets nearby.
In fact, Motto explicitly reserves the right to establish other franchised or company-owned outlets that may directly compete with the franchisee’s business. The Franchise Agreement clearly states that franchisees do not receive any territorial protections and may face competition from other Motto franchises or distribution channels under the same or different branding.
Additionally, franchisees do not have rights of first refusal, options, or any exclusive claims to expand or open additional offices under the Motto brand. This setup ensures that Motto retains complete flexibility in growing its network wherever and however it chooses.
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