Motto Mortgage Franchise FDD, Profits & Costs (2025)
Motto Mortgage, established in 2016, is a pioneering mortgage brokerage franchise in the United States. As the first national franchise of its kind, Motto Mortgage offers a unique model that integrates mortgage brokerage services with real estate offices, providing a seamless experience for clients seeking home financing solutions.
Headquartered in Denver, Colorado, Motto Mortgage began franchising in its founding year. The franchise specializes in offering a variety of mortgage products, including conventional loans, FHA loans, VA loans, and refinancing options, catering to a diverse clientele with varying financial needs.
What sets Motto Mortgage apart from its competitors is its innovative franchise model that empowers real estate professionals to diversify their services by incorporating mortgage brokerage into their existing businesses.
This integration not only enhances the client experience by providing a one-stop shop for real estate and financing needs but also allows franchisees to capitalize on multiple revenue streams within the housing market.
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Initial Investment
How much does it cost to start a Motto Mortgage franchise? It costs on average between $61,000 – $90,000 to start a Motto Mortgage franchised facility.
This includes costs for office setup, licensing, technology, marketing, and initial operating expenses. The exact amount depends on various factors, including the size and location of the office, required regulatory compliance, and whether the franchisee chooses to lease or purchase the space.
| 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 |
Competitors
Below are a few Motto Mortgage competitors as a comparison:
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Motto Mortgage Franchise Disclosure Document
Frequently Asked Questions
How many Motto Mortgage locations are there?
As of the latest data, Motto Mortgage operates 234 franchised units across the United States, with no company-owned locations. This reflects the franchise’s continued expansion in the mortgage brokerage industry.
What is the total investment required to open a Motto Mortgage franchise?
The total investment required to open a Motto Mortgage franchise ranges from $61,000 to $90,000.
What are the ongoing fees for a Motto Mortgage franchise?
Motto Mortgage franchisees pay a royalty fee of $0 to $4,500 per month, based on revenue and other factors. They also contribute a monthly advertising fee of $350 to support brand marketing.
What are the financial requirements to become a Motto Mortgage franchisee?
To become a Motto Mortgage franchisee, candidates are typically required to have a minimum net worth of $100,000 and liquid capital of at least $50,000. These financial prerequisites ensure that franchisees possess the necessary resources to establish and sustain their mortgage brokerage operations effectively.
Who owns Motto Mortgage?
Motto Mortgage is owned by RE/MAX Holdings, Inc., a leading real estate franchisor headquartered in Denver, Colorado. Launched in 2016, Motto Mortgage operates as a subsidiary under RE/MAX Holdings, offering a unique mortgage brokerage franchise model across the United States.
Disclaimer
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