A modern reception desk in an office lobby with MOTTO MORTGAGE signage on the wall behind it. The image is partially covered by a large white triangular overlay.

Owning a Motto Mortgage Franchise

Hello, future business owner! If you’re reading this, you’re likely exploring the opportunity to own a Motto Mortgage franchise. Franchising can be an exciting venture, offering you a slice of entrepreneurship powered by brand recognition and an established business model. But, before you dive headfirst into the mortgage franchise world, let’s break down the essentials you need to know.

See if franchise ownership is right for you.

Here's how the franchise journey unfolds 

Your Path to Ownership 

Step 1: Meet and Greet

Let’s get to know each other

No pitch decks, just a real conversation. This call is your space to explore what’s possible with a Motto Mortgage franchise. 

We’ll walk through how ownership works and discuss investment numbers, but mostly we want to hear about you. We’ll talk through your vision for ownership and where you want to grow to see if this opportunity aligns with your future.  

First steps

Step 2: Explore the Model

How the business really works

Now we’re pulling back the curtain on the nitty-gritty of what you get when you own a Motto Mortgage franchise.

We dive into your strategies for recruiting top-tier loan originators and scaling your business, alongside the specific ways the HQ team helps fuel your operations. We’re skipping the stuffy sales pitch to give you a clear, realistic view of what it looks like when you’re running the show.

Deeper dive

Step 3: Reviewing the FDD

Clarity before commitment

In this step, you will review the Franchise Disclosure Document (FDD),  a document that all franchisees must review before they purchase a franchise. 

The FDD provides you with the overall big picture of how the Motto franchise system works, as well as dive into some of the details, like the brand’s financials, corporate history, and your estimated initial investment. It’s a transparent, no-rush look at the brand and its offerings, helping you feel empowered and fully informed as you take the next step. 

See the full picture

Step 4: Talk to Real Owners

Insights straight from the source

This is your chance to go beyond the basics. Talk with the people who know it best – our team and current Motto owners – and get an inside look at what it’s like to run your own brokerage, from operations to long-term growth. 

You’ll have the chance to ask questions, hear different perspectives, and gain a clearer understanding of day-to-day operations, growth approaches, and the overall experience. It’s all about helping you gather the insights you need to decide if Motto ownership aligns with your goals.

Chat with owners

Step 5: Final Alignment Step

Confidence on both sides

At this stage, we take a purposeful pause to ensure your vision and our franchise model are aligned. 

You’ll finalize your application, dive into a market analysis, and sit down with Motto leadership to discuss your goals and funding plan. It’s a dedicated time to discuss expectations and confirm that this franchise opportunity is the vehicle for the business you want to build.

Confirm your fit

Step 6: Welcome Aboard!

Let’s get you up and running

Cue the confetti! The real adventure begins today.

Following the official Award Call, you’ll sign on the dotted line and officially become a part of the Motto Mortgage network. Our team will then kick it into high gear to support you in the onboarding process, which includes hands-on learning sessions. 

Congrats, new Motto Mortgage owner!

Make it official

These steps outline our general framework, but we’ll tailor the exact path to fit your specific goals and needs as we get started.

Here's how the franchise journey unfolds 

Your Path to Ownership 

These steps outline our general framework, but we’ll tailor the exact path to fit your specific goals and needs as we get started.

Step 1: Meet and Greet

Let’s get to know each other

No pitch decks, just a real conversation. This call is your space to explore what’s possible with a Motto Mortgage franchise. 

We’ll walk through how ownership works and discuss investment numbers, but mostly we want to hear about you. We’ll talk through your vision for ownership and where you want to grow to see if this opportunity aligns with your future.  

First steps

Step 2: Explore the Model

How the business really works

Now we’re pulling back the curtain on the nitty-gritty of what you get when you own a Motto Mortgage franchise.

We dive into your strategies for recruiting top-tier loan originators and scaling your business, alongside the specific ways the HQ team helps fuel your operations. We’re skipping the stuffy sales pitch to give you a clear, realistic view of what it looks like when you’re running the show.

Deeper dive

Step 3: Reviewing the FDD

Clarity before commitment

In this step, you will review the Franchise Disclosure Document (FDD),  a document that all franchisees must review before they purchase a franchise. 

The FDD provides you with the overall big picture of how the Motto franchise system works, as well as dive into some of the details, like the brand’s financials, corporate history, and your estimated initial investment. It’s a transparent, no-rush look at the brand and its offerings, helping you feel empowered and fully informed as you take the next step. 

See the full picture

Step 4: Talk to Real Owners

Insights straight from the source

This is your chance to go beyond the basics. Talk with the people who know it best – our team and current Motto owners – and get an inside look at what it’s like to run your own brokerage, from operations to long-term growth. 

You’ll have the chance to ask questions, hear different perspectives, and gain a clearer understanding of day-to-day operations, growth approaches, and the overall experience. It’s all about helping you gather the insights you need to decide if Motto ownership aligns with your goals.

Chat with owners

Step 5: Final Alignment Step

Confidence on both sides

At this stage, we take a purposeful pause to ensure your vision and our franchise model are aligned. 

You’ll finalize your application, dive into a market analysis, and sit down with Motto leadership to discuss your goals and funding plan. It’s a dedicated time to discuss expectations and confirm that this franchise opportunity is the vehicle for the business you want to build.

Confirm your fit

Step 6: Welcome Aboard!

Let’s get you up and running

Cue the confetti! The real adventure begins today.

Following the official Award Call, you’ll sign on the dotted line and officially become a part of the Motto Mortgage network. Our team will then kick it into high gear to support you in the onboarding process, which includes hands-on learning sessions. 

Congrats, new Motto Mortgage owner!

Make it official

Here's how the onboarding process works 

Your Office Opening Timeline

01

Welcome to the Motto Network

Once your franchise agreement is signed and the initial fees are paid, you’ll officially move from the “signing” phase to the “doing” phase.

Your personal Motto HQ onboarding consultant will be by your side as you lock in your location, finalize your business name, and guide you through our tech and marketing platforms. They will also help you navigate the licensing process. Their goal is to clear the path so you can focus on building your business.

02

Your First Steps

This is where your business starts taking shape. Together, you and your onboarding team dive into your plans and iron out the essentials, making sure the foundation is solid. These details are the “keys” to fast-tracking the opening of your business, so getting them right the first time matters.

Whether you want to tackle these details yourself or prefer to be walked through each step, your dedicated onboarding consultant is there to help you hit the ground running.

03

Licensing and Setup

Licensing is a critical milestone that you don’t have to face alone. We’ll connect you to our network of knowledgeable licensing consultants who know the NMLS and state requirements inside and out. We’ve also got your back with ready-to-use templates and examples to make gathering your documents simple.

While the state reviews your application, we’ll use that time to get you fully set up with your official email and access to Motto platforms. By the time your license arrives, you’ll already know your way around the systems and tools you’ll use every day.

04

You’re Ready to Open!

Once the state gives you the green light, it’s full speed ahead. This is the exciting part where everything you’ve worked for clicks into place. You’ll get connected with lenders, tech, and more so you can start taking loan applications right away. You’ll also participate in our initial education program, “Broker 101” – a deep-dive into the platforms and systems – at Denver HQ.

From help recruiting your loan originators to your grand opening press release and beyond, we’re here to help you launch with total confidence. You did it!

Here's how the onboarding process works 

Your Office Opening Timeline

01

Welcome to the Motto Network

Once your franchise agreement is signed and the initial fees are paid, you’ll officially move from the “signing” phase to the “doing” phase.

Your personal Motto HQ onboarding consultant will be by your side as you lock in your location, finalize your business name, and guide you through our tech and marketing platforms. They will also help you navigate the licensing process. Their goal is to clear the path so you can focus on building your business.

02

Your First Steps

This is where your business starts taking shape. Together, you and your onboarding team dive into your plans and iron out the essentials, making sure the foundation is solid. These details are the “keys” to fast-tracking the opening of your business, so getting them right the first time matters.

Whether you want to tackle these details yourself or prefer to be walked through each step, your dedicated onboarding consultant is there to help you hit the ground running.

03

Licensing and Setup

Licensing is a critical milestone that you don’t have to face alone. We’ll connect you to our network of knowledgeable licensing consultants who know the NMLS and state requirements inside and out. We’ve also got your back with ready-to-use templates and examples to make gathering your documents simple.

While the state reviews your application, we’ll use that time to get you fully set up with your official email and access to Motto platforms. By the time your license arrives, you’ll already know your way around the systems and tools you’ll use every day.

04

You’re Ready to Open!

Once the state gives you the green light, it’s full speed ahead. This is the exciting part where everything you’ve worked for clicks into place. You’ll get connected with lenders, tech, and more so you can start taking loan applications right away. You’ll also participate in our initial education program, “Broker 101” – a deep-dive into the platforms and systems – at Denver HQ.

From help recruiting your loan originators to your grand opening press release and beyond, we’re here to help you launch with total confidence. You did it!

Interested in becoming a franchise owner?

Two orange right triangles set against a light gray background, each positioned on the left and right sides of the image with a vertical gap of gray space between them.

Crunching the Numbers

Investment and Costs

Initial Franchise Fee: This is your ticket to the franchise party. The initial franchise fee is the upfront, one-time payment that the franchisee makes, usually upon signing the franchise agreement, and it can vary widely depending on the brand and market. It’s your entry point into the franchise network, granting access to the franchise brand, its business model, and systems.

Recurring Fees: Most franchise systems include ongoing fees – usually monthly – that support shared services like marketing, technology, and operational support. These fees are part of the value of being connected to a larger, supportive network.

Startup and Ongoing Costs: Beyond the initial and recurring fees, remember that you’re still going to be operating a business, and you may need to budget for startup and ongoing costs like office space, licensing and legal fees, technology and software, and local marketing.

For a more detailed breakdown of the fees and costs associated with owning a franchise, it’s a good idea to refer to items 5, 6, and 7 of your Franchise Disclosure Document (the “FDD”). These items of the FDD outline the initial fees, recurring fees, and the estimated initial investment required to open and operate the franchise.

Want to talk numbers with our team?