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Since 2016, Morty was founded as a licensed mortgage broker dedicated to making the home loan process an easier experience thorugh its unique, completely digital service. On the Morty website it outlines the problem that led to creation of Morty.

“Today, we can effortlessly shop for nearly everything online, but not a home mortgage. It’s the largest, most significant transaction of a lifetime, yet it remains a complicated, mysterious, and painful process for many.”

Morty has made every step of the home buying process virtual, which significanlty cuts down the time and costs of the home buying process.

Scroll down through the rest of its profile to see a highlight of the good and the bad, as well as Best Company’s suggestion.

Or, jump straight down to Morty mortgage reviews here.

Top Ranked Companies


The Good

  • Low Mortgage Rates
  • Digital Pre-Approval Letter
  • Quick Closing

Low Mortgage Rates

With Morty, you can shop from a number of lenders online. Some of the lenders are wholesale lenders, meaning that the lowest rates available on the market are analyzed as possible mortgage options for you.

Based on the information that you provide with Morty, such as your credit score, purchase price, and the downpayment, a handful of detailed and personalized mortgage rate options are created for you to choose from. Morty states on its website that homebuyers that have used its services feel confident going forward with their first option about 90% of the time.

Digital Pre-Approval Letter

Morty makes it incredibly easy to get a mortgage pre-approval letter. A pre-approval letter is a crucial part in the home buying process. It increases your eligibility of receiving a loan in order to close on your dream house. Morty takes out the traditional step of visiting your local bank/lender for a pre-approval letter and instead is able to do the whole process online.

All you have to do is provide the necessary information for your pre-approval letter, which includes your income, assets, debts, and credit history. Within a few minutes, Morty will be able to virtually verify your information and provide you with a traditional and accurate pre-approval letter. No more bank fees or waiting rooms, you can now do it all from the convenience of your home.

Quick Closing

Morty claims that they can help you close on a house in as little as three weeks, when the typical process takes an average of six weeks. Morty is able to cut down the closing time so much because it’s closing process is digitally monetized, it works directly with lenders, eliminating the need to go through a third party, and lastly it has a team of dedicated mortgage experts working to make the process as seamless for the borrowers as possible.


The Bad

  • Not Available in all 50 States

Not Available in all 50 States

Morty is not yet available in all 50 states, which includes—Texas, Louisiana, Arizona, Wyoming, Utah, Nevada, Idaho, North Dakota, South Dakota, Missouri, West Virginia, New York, Rhode Island, Connecticut, Vermont, New Hampshire, Massachusetts, and Maine.


The Bottom Line

Morty will be able to help you secure a home loan in nearly half the time, with the convenience of everything being done digitally. Morty has the capacity to comparison shop an overwhelming number of lenders, meaning that it can secure you lower than normal mortgage rates. 

Overall, we recommend Morty as a mortgage broker, plus don't forget to check out what customers are saying in the Morty reviews below.

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