How Much Does a Motto Mortgage Franchise Cost?
Data from the 2025 Franchise Disclosure Document
Investment Summary
Total Investment
$56K – $240K
Franchise Fee
$35K
Royalty
$2,500 plus 25 BPs per transaction per month
Ad Fund
$350 per month
Cost Breakdown
Initial Franchise Fee
The initial franchise fee for Motto Mortgage is $35K. This one-time payment covers the right to operate under the brand, access to proprietary systems, and initial training programs.
Total Investment Range
Opening a Motto Mortgage franchise requires a total investment of $56K – $240K. This range typically includes real estate or leasehold improvements, equipment and fixtures, initial inventory, signage, insurance, and working capital to sustain operations during the ramp-up period.
Working capital alone ranges from $10K to $20K.
Ongoing Costs
Beyond the initial investment, Motto Mortgage franchisees pay ongoing fees. The royalty structure is: $2,500 plus 25 BPs per transaction per month. The ad fund contribution is: $350 per month.
Net Worth & Liquid Capital Requirements
Motto Mortgage requires working capital of $10K – $20K to cover initial operating expenses. This is the liquid cash you should have available beyond the franchise fee and buildout costs.
What Can You Earn?
Motto Mortgage does not disclose earnings data in Item 19 of its Franchise Disclosure Document. Not all franchisors choose to publish financial performance representations, though this is a data point many prospective franchisees consider important.
How Do Banks View Motto Mortgage?
SBA Loans Issued
3
Default Rate
0.0%
The SBA (Small Business Administration) tracks loan performance for franchise brands. Motto Mortgage has 3 SBA-backed loans on record. The default rate is 0.0%, which is below the franchise industry average, indicating relatively lower lending risk. A lower default rate generally indicates that lenders view the franchise as a safer investment, though past performance does not guarantee future results.
Next Steps
Talk to current Motto Mortgage franchise owners
Get verified franchisee phone numbers for due diligence
See full Motto Mortgage research
Risk analysis, unit growth, contract terms, and more
Compare Motto Mortgage to similar franchises
Side-by-side investment, revenue, and risk comparison