ERA Real Estate vs Motto Mortgage
Franchise Comparison 2026
Both ERA Real Estate and Motto Mortgage are real estate franchises. ERA Real Estate requires an investment of $33K – $260K while Motto Mortgage requires $56K – $240K. Neither ERA Real Estate nor Motto Mortgage makes a financial performance representation in Item 19 of its FDD — a voluntary item under the FTC Franchise Rule — so the two cannot be compared on disclosed unit revenue. ERA Real Estate has SBA lending data on file with a 27.3% charge-off rate. FranchiseVerdict rates ERA Real Estate C (Average) and Motto Mortgage D (Below average).
| Metric | ERA Real Estate | Motto Mortgage |
|---|---|---|
| Verdict Grade | CAverage | DBelow average |
| Investment Range | $33K – $260K | $56K – $240K |
| Franchise Fee | $25K | $35K |
| Royalty Rate | 6.0% | $2,500 per month flat fee plus 25 basis points per closed transaction per month; increases by $250 per additional loan originator beyond 7; may increase by up to 10% annually |
| Average Revenue (Item 19) | N/ANo Item 19 representation | N/ANo Item 19 representation |
| SBA Charge-Off Rate | 27.3% (11 loans) | Limited data |
| Total Units | 464 | 171 |
| Unit Growth (YoY) | -6 units | -57 units |
| Year Began Franchising | 1996 | 2016 |
| FDD Year | 2024 | 2025 |
Investment Range
$33K – $260K
$56K – $240K
Franchise Fee
$25K
$35K
Royalty Rate
6.0%
$2,500 per month flat fee plus 25 basis points per closed transaction per month; increases by $250 per additional loan originator beyond 7; may increase by up to 10% annually
Average Revenue (Item 19)
N/ANo Item 19 representation
N/ANo Item 19 representation
SBA Charge-Off Rate
27.3% (11 loans)
Limited data
Total Units
464
171
Unit Growth (YoY)
-6 units
-57 units
Year Began Franchising
1996
2016
FDD Year
2024
2025