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Morty review

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Bestmoney Staff
Bestmoney Staff
Jan. 31, 20214 min read

Morty summary

Morty is an online mortgage broker and personalized service for home buyers. With Morty, home buyers can find low rates from a trusted and verified network of lenders.

Pros

  • Competitive rates from network of lenders
  • Online resources
  • Free loan consultation

Cons

  • Only available in 31 states
  • Strict credit report requirements

Morty Morty View Rates

Morty at a Glance

Loan types:Purchase
Featured Loans:Fixed, ARM
Repayment terms:15 or 30 years
Suitable for:First-time home buyers

Overview

Morty is a licensed mortgage broker, but it is also much more than that. According to Morty, its mission is to empower first-time home buyers to confidently secure and finance their home purchase online. It accompanies its users through virtually the entire process, making an offer on a home, securing the most suitable rates from lenders, and locking and closing the loan.

Suitable For?

Morty mostly works with first-time buyers purchasing a primary residence, however, it does work with people who are onto their second or third home purchase as well. First-time buyers face unique challenges, and Morty has produced an all-round package that can help users navigate these challenges.

Types of Loans/Products

Morty only supports conventional home loans. It doesn’t offer FHA loans, mortgage refinancing, home equity loans, renovation loans, or any other products. In addition to brokering conventional home loans, it offers the following features.

  • Pre-approval: Provide details on your property, down payment, income, and credit score. If you meet Morty’s eligibility criteria, a pre-approval certificate will be made available for you to download.
  • Browse rates: View and compare daily rates from Morty’s network of verified home lenders in the one place. Choose the loan that fits your needs.
  • Free loan consultation: Morty’s team of licensed mortgage professionals are available for free phone consultations. You can ask them any questions you might have about the mortgage application process.
  • Lock and close your loan: Morty is a broker, meaning you never have to deal directly with your lender. Upload all your documents directly within your Morty profile. Morty’s agents will coordinate with your chosen lender to close your loan.

The Application Process

Morty enables home buyers to get pre-approved, compare mortgages, and close a mortgage from the one platform. Overall, the time from pre-qualification appears to be close to the average for a mortgage broker. Of course, processing times can vary based on your own profile and requirements.

To use Morty, you must meet the following requirements:

  • Purchasing in one of the 31 states (plus DC) where Morty is currently licensed.
  • On credit report, maximum of one 30-day overdue payment.
  • Proof of steady and predictable income, including 2 years’ worth of receipts for any base salary, wages, commissions, tips, and bonuses. Morty doesn’t support inclusion of self-employment income.
  • Proof of assets that you will use to pay the down payment and closing costs. Morty accepts the following sources of funds: checking accounts, savings accounts, cash balances from investment accounts, gift funds, seller credits, and money already paid.

Morty Morty View Rates

Help & Support

Morty has only been around since 2017 but it has already made a splash with customers. Judging by the Zillow customer reviews, users like Morty for the ease of use and hands-on attention from its loan agents. Morty offers all users ongoing consultations from a dedicated agent as part of using its service. To speak to an agent, use the live chat button on the Morty website or apply for pre-approval and wait for them to call you back. Waiting times are typically 5 minutes or less during business hours.

How This Company Compares

Morty beats most other competitors for low APRs. The catch is that it has much stricter requirements than most other mortgage brokers and lenders. At a minimum, Morty only accepts first-time home buyers purchasing a primary residence with a credit score of at least 680. It’s tough to get accepted by Morty, but if you manage to break into the exclusive club, you’re in luck.

Summary

Morty offers something that is hard to find in the mortgage lending industry: a hands-on service that caters to a specific group of mortgage buyers. If you’re in the market for your first home, have great credit, and live in one of the 31 states in which Morty operates, this service is highly recommended. Morty helps users through every step of their mortgage application, making the process far less painful than it can be when going it alone.

FAQs

Is Morty a direct lender? No. As a broker, Morty works with a network of lenders on behalf of home buyers. Morty helps arrange the loan, but the lender underwrites it.

Why isn’t Morty available in every state? Each state has unique licensing procedures. Morty is working on expanding to all 50 states in the future. 

What types of properties are supported by Morty? Morty only accepts first-time buyers purchasing a primary residence. These include single-family homes, both unattached and attached; and homes with 1 to 4 units, provided at least 1 unit is used as the borrower’s primary residence.

What does Morty mean by first-time home buyer? This is anyone who has never had an ownership interest, be it jointly or solely, in a residential property before.

Physical Address

Morty, Inc.

180 Varick Street, Suite 816 

New York, NY 10014

Morty Morty View Rates

Bestmoney Staff
Written byBestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

Morty
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  • author
    JJ King
    Jun 10, 2021
    "Surely it can't be this easy"

    I've got to say I'm very happy we went with Morty! I think we got the best rate possible with the least amount of effort in shopping around. The dashboard was super intuitive and easy to use. Throughout the whole process, my wife and I kept saying surely it can't be this easy. Jack and Ian were a dream team and consistently available for questions along the way. They were able to get us a float-down option on our rate without us even asking for it which was really great and saved us big! Closing was a breeze and we still are having a hard time believing the whole process was so painless and we're now homeowners!

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  • author
    Ben K
    Jun 04, 2021
    Jack Edelman

    Loan processor Jack Edelman is one of the most competent, professional and trustworthy individuals I've had the pleasure of knowing and working with. He's an asset not only to Morty but the entire mortgage loan industry.

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  • author
    Darrell Bach
    May 30, 2021
    Great advice and help!

    I worked with Paige Hawley and she was sensational. From the first day that I contacted Morty to the very end of my loan application, she happily answered questions and even did some research on my unique requests. I had other loan applications out to a couple of big banks, but none of them had the customer service and the expediency that Paige showed through Morty. If you get her, you will be thrilled.

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  • author
    Joe Pavlik
    May 27, 2021
    Derek Gussaroff was on the ball the…

    Derek Gussaroff was on the ball the entire time from the beginning of the loan process to the end. I would not hesitate to refer Derek or Morty.com to anybody.

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  • author
    Susie Han
    May 25, 2021
    Very efficient document intake

    Very efficient document intake. Most communication was done through email and their portal website where most documents are entered. I was able to lock in a significantly lower rate than what I was quoted by others. Pretty responsive (except weekends), and was very relieved and happy to have gotten everything done within a 28 day closing period.

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  • author
    Wisam Khalid
    May 21, 2021
    Morty is great

    I just got final approval from lender. The process was really fast and easy through Morty website and then through the team. It took less than 4 weeks to closing. Ian and keegan were great and prepared everything. They answered my questions and worked hardly in the last week before closing to make sure everything is good. The rate I had was very good as well. Process is easy. I would definitely recommend. Portland, Oregon

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  • author
    Daniel O'Brien
    May 18, 2021
    Excellent service on an excellent loan

    Went into the home buying process with intentions of going with a local lender around my area. However, when it came to actual lending time, the all attractive rates that were once communicated to me now increased 60bps. I pay attention to the market and knew that such a jump was not warranted by the actual market trends. Thus, I begrudgingly started shopping around. I went to lending tree and entered all of my information and out popped my quotes. Out of all outputs... Morty was the best rate by a wide margin. Morty? What is that? I stared at the quote for a few days and started doing my due diligence on vetting this company. I found nothing but great reviews and an A+ accreditation by the BBB. So I decided to go with them. They were a breath of fresh air in an otherwise stressful process. They answered all of my questions timely and exemplified great communication. I really enjoyed their online portal which allowed me to load all of my documents and to visualize the progress toward my close. Well... we just closed and I feel a great sense of gratitude knowing that I got an excellent loan. Thank you specifically to Jack Edelman and Derek Gussaroff for holding my hand through this process.

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  • author
    Hyun Woong Park
    May 18, 2021
    Through Morty I was able to get loan with great condition.

    Through Morty I was able to get mortgage loan with very good condition. The entire process was very smooth; no hassle at all. My loan officer responded to all of my questions clearly, swiftly, and professionally. I would definitely recommend Morty to my friends. Thanks, Derek, for all your help!

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  • author
    Brian Oswald
    May 04, 2021
    San Diego condo purchase

    I helped my son purchase a condo in San Diego. Before I found Morty I started to use another mortgage broker. I seemed to have to jump through hoops to get it pre-approved. Then I used Morty and the pre-approval process was very simplified and fast. Morty's mortgage rates very transparent and they let me know right up front what the closing costs were going to be. I have to give a shoutout to Derek Gussarof who was so helpful during the entire process. He was particularly helpful when there was a discrepancy on the points to close the loan. He rectified the situation beautifully by giving some money back on the closing costs when technically he did not have to. That showed me a lot of integrity which seems to be in short supply in today's corporate world. I highly recommend Morty.

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  • author
    Ben
    Apr 29, 2021
    Fantastic Experience

    It was an absolute pleasure working with the entire Morty team on our new construction purchase. They offered the best rates on the market, and fees and terms were completely transparent from start to finish. Ian and Jack were great communicators, responding promptly to any questions I had (and there were many!) They were even able to get me a lower rate a week before closing, and we still closed right on time. Closing was smooth and easy. I highly recommend Morty and would absolutely use them again.

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  • author
    Laura Judge
    Apr 27, 2021
    Happy customers

    I'm glad we found Morty when we were looking to buy a house. We were second-time buyers, so already had a good idea of the process and what to do and not to do when applying for a mortgage. This was valuable, as there was not a lot of hand-holding or instructions from Morty beyond asking for various documents, though they were very response when we had specific questions. Overall this worked well for us. When closing time came and the seller caused a significant delay, they worked with us to extend the rate lock at little additional cost. We are now happily in our new house and still thrilled about the interest rate we got through Morty!

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  • author
    Riley Mangan
    Apr 26, 2021
    Morty showed us great rates but their follow through sucks

    Morty showed us great rates. Everything was going well until the last day of the mortgage contingency when suddenly, they need tons of new paperwork from me. I feel that I am consistently having to repeat myself in emails and currently, we might not be closing on time. I'm hoping they can get everything together in the next few hours. I will update my review if the situation improves.

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  • author
    Laudat Nelson
    Apr 26, 2021
    Appreciation

    As a first time buyer, i did not know what to expect. The on line application was answered quickly, since calls and guidance were walking hands in hands. The professionalism and dedication are Morty's blue print. Morty had given me sense of hope, by taking my dream into reality, when all the appearances were against me, being single, and a woman at the same could have been a complicated issue, but thank you God by helping me make it thru, i have an ownership. Ian, Rebekah and the whole Morty team thanks to you professionalism and commitment. Laudat Nelson First time buyer. I rate Morty 5 STARS.

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  • author
    Nicole
    Apr 26, 2021
    NOT RECOMMENDED...even though they have the best rates

    I have given Morty everything they asked for the day(s) requested, no lag on my end at all. We are 2-3 days before closing and everything still has to be updated and fixed on the closing disclosure. I do not know how many times I have emailed (since they don't answer the phone either) to get it all fixed. I have outlined every error and when it comes back, there is a different error (like the closing date changed mysteriously so now the prepaids, etc. are wrong). I would never use Morty again even though they had the best rates when I had a contract signed. Appraisal took forever, then the appeal of the appraisal took 2 weeks. I could go on and on. Ian is hardly responsive (my assigned MLO). If he hadn't been out a couple days, I wouldn't have gotten Paige who is an MLO too, she is way better than Ian. Calls me, emails me back, etc. I hope she gets the commission. My title company is ready to close...still waiting on Morty...so we'll see. If you could pick your MLO from Morty, then this could work for you. I lucked out.

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  • author
    CJ
    Apr 24, 2021
    well done

    Easy to work with and thorough. The entire team I worked with did a great job.

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  • author
    Ahmed Khan
    Apr 22, 2021
    Excellent work they are doing

    Excellent work they are doing. Responsive and accessible. Jack and Ian made the transaction super easy and helped at every stage.

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  • author
    Mr anthony molloy
    Apr 22, 2021
    Morty a fantastic experience

    This was our first time buying a home and I have to say the staff at Morty are what made it an amazing experience. The rates offered and the ease of using the website to track our progress was second to none. The support from Jack and Paige put us at ease throughout the whole process and they were always there for us. I honestly will be recommending Morty to all my friends and family. I highly recommend Morty.com

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  • author
    M. Whitson
    Apr 21, 2021
    Pleasant surprise!

    I had not heard of Morty until recently when we decided to buy a home. What a pleasant surprise! First, Morty found us the best interest rate for our loan -- by far and in minutes! Getting a pre-approval letter was quick and easy. There were no surprise fees, and the entire process was pretty painless. I was able to access my account online to check on the status of my loan, from the loan registration, to verification and underwriting, all the way to closing. The best part of using Morty was the constant communication. Any question I had along the way was answered in real time by a member of the team; all professional and pleasant. Excellent customer service. I highly recommend Morty.com.

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  • author
    Dmitri
    Apr 16, 2021
    Mortgage process

    Was happy to work with Morty team to get my mortgage set up. The guys are true professionals, easy to communicate with and are always there to answer your questions.

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  • author
    Nathaniel Zucker
    Apr 12, 2021
    Very good overall experience

    Very good overall experience. They got me a fantastic rate, they were lender-paid, and they provided much-needed assistance throughout the process of a private sale. If it weren’t for some communication difficulties early on, this would be 5 stars. However, I would certainly use their services again

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  • author
    Eric L
    Apr 08, 2021
    Very good experience and highly…

    Very good experience and highly recommend using Morty. Jack and Derek were great to work with. The process was easy. Closed in under 30 days and the rate was fantastic.

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  • author
    Matt Lukasak
    Apr 03, 2021
    Was able to go from first contact to…

    Was able to go from first contact to loan approval and closing in 30 days. Ian was extremely responsive and answered any questions I had immediately. Very glad I found them to help finance my house and get a great rate.

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  • author
    Tung Pham
    Apr 02, 2021
    I have a really good experience with…

    I have a really good experience with Derek and Jack. All the steps was conducted smoothly without any delay or issue. suggested Morty.com for one of my friend already.

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  • author
    Sarah B
    Mar 31, 2021
    Total failure

    Total failure. Began loan process six weeks out, delivered everything they asked for the day they asked for it. A week from closing I find out that the lender "needs to approve" our closing attorney. No idea what that entails or why it didn't start a month ago, but fine. Not fine. I'm supposed to be closing today, and they can't even tell me when I MIGHT be able to close. Just blamestorming and buck passing. I usually never deal with brokers/resellers/middlemen if I can help it; I made an exception here to get a good rate, and now I'm paying the price.

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  • author
    Jennifer Barrett
    Mar 30, 2021
    Morty is a fantastic Mortgage Broker Company

    The brokers at Morty were fantastic to work with. They helped secure the lowest possible interest rate, and handled entire process seamlessly through closing. I requested increasing my loan amount, and they adjusted it with no problem or delay in closing. All of the loan details were clear, and everything was above board. I give Morty my highest recommendation!

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  • author
    Kangna K Chheng
    Mar 25, 2021
    Got a loan with Morty for the purchase…

    Got a loan with Morty for the purchase of my home, got an excellent rate and I am a very happy customer. The team did an amazing job from start to end. Even the title company that I did my closing was saying something good about them. Great job guys!!

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  • author
    Amit Tyagi
    Mar 24, 2021
    Excellent people and Best rates

    I am a first time home buyer and I feel good that I found Morty. Their team offered the best rates available and the whole process was online and couldn't be better.

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  • author
    James Gao
    Mar 15, 2021
    Great experience in house loan working…

    Great experience in house loan working with Morty.

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  • author
    rita
    Mar 12, 2021
    Not reliable and waste of time with Derek Gussaroff

    We were shopping for rates as we offered for one home. Morty showed a promising rate and hence we booked a call with Derek Gussaroff. We were waiting to discuss this with Derek Gussaroff. When he called felt like a non-enthusiastic person. The call was the shortest call with any lender. Took 5 min for 30min call. Answered yes or no for most questions. Felt he was least interested in talking to us. I get we dont have an accepted offer but with someone who has a 790 score and 10% down payment, we can be a good potential customer. We expected some enthusiasm to win us as a customer. I would never choose Morty for my loan. Probably a waste of my time. One word to describe the experience was unreliable.

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  • author
    SC
    Mar 12, 2021
    Morty revolutionizes mortgage loans

    Morty revolutionizes mortgage loans! I came across Morty on the web and gave it a try, and I am VERY happy with it. The fees and choices are very transparent (more transparent than any of the local lenders I have spoken with), and the service team is highly responsive to emails. My settlement attorney told me that I've got the lowest mortgage interest rate he's seen in years.

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  • author
    Craig H
    Mar 25, 2021
    I shared my expectations with Paige…

    Morty’s rates were the lowest online so, I called and shared my expectations with Paige from Morty during my initial loan consultation. She answered all my questions and assured me the process would go smoothly. Their web portal for uploads was easy to understand and navigate. Paige and Jack were available along the way via txt or call, both followed through on their promise. We had normal issues with my general contractor’s completion timeline and they worked hard to keep my closing on track! Great job!!

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  • author
    Kinjal Patel
    Mar 08, 2021
    Great Experience

    We recently purchased a new construction house with the help of Morty. I got multiple quotes from various lenders and decided to move forward with Morty because they had the best interest rate and fees. Not only was their rate and fees best in the market, but their customer service was also excellent as well. Due to the construction delays, the appraisal was delayed too, but Ian and Jack ensured my closing happened on time. The appraiser had to revisit the house on the same week as closing. I can't thank Ian and Jack enough for the effort they put in to ensure a smooth closing of my house. The mortgage process was completely transparent and I got a weekly update on milestones. I highly recommend Morty for your mortgage needs.

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  • author
    Mike
    Mar 06, 2021
    We had an excellent experience with…

    We had an excellent experience with Morty - from the initial contact with the mortgage broker to our closing. Very responsive, knowledgeable and professional. The whole transaction was complete sooner than expected. Initially me and my wife were a little hesitant to opt for a relatively new company, however; morty was incredible. I found that they are offering the best deal and price and the way to submit documents online was the most simple I had come across. The communication was always there. Special thanks to Teresa Evans and Ian Mead for all the help, they would respond to any queries we had within few hours and or at most the same business day.

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  • author
    Kevin
    Mar 05, 2021
    I used Morty.com for my recent home purchase

    I used Morty.com for my recent mortgage. They had the lowest rates, lowest fees and fastest closing times as I shopped around between a half dozen lenders. I was able to reach someone whenever I needed via text, email or even a phone call. Their initial fee estimate lined up with the actual costs at closing. Very impressive. I would definitely use them again.

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  • author
    Justin Hill
    Mar 04, 2021
    Great experience

    Everything from Morty went smooth and was easy to get from start to finish. My contacts were always prompt to reply and answered my call every time I needed them. The largest stresser of the whole process was that our closing costs were so low we didn't think we could get the seller to cover their share. There was a last minute hiccup where something was left off the closing documents but one call to Morty and it was taken care of in under an hour. Would definitely use again and will recommend it to anyone buying a home.

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  • author
    ANTHONY FERRUCCI
    Mar 02, 2021
    Morty.com = lowest bidder/lowest quality

    Let me begin by saying that the rates found through Morty.com were the best I could find online. This is the reason I did not give them one star. Morty.com is a business who hires 20 somethings with zero, I mean zero, personal skills. In order to speak to a representative on the phone, one must make an appointment. They only contact clients through email. Communication is very poor. When asking simple questions I was replied to with snarky answers. Unfortunately by the time their true colors showed, I was well into the process of buying a home and turning back was not worth the time and money. If you are the type who appreciates the lowest bidder and does not care about the quality of work, morty.com is for you. If you appreciate your sanity, and like working with a customer service oriented business, Morty is NOT for you. They earn $2000+ per customer they give to loan depot or other similar lenders. They, in my opinion, sign you up, pass you off and cash their check....

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  • author
    New homeowner
    Mar 02, 2021
    Advanced Technology and Unbeatable Rates

    The rates provided by Morty are some of the best out there. I researched about 15 companies and was very impressed with what Morty came back with. This was the only company that allowed me to check back daily on loan rates without needing to talk to anyone; once I figured out what I wanted, I was able to lock in a rate at the time I wanted. They were able to close my loan quickly and responded when I needed them to. I am very happy I went with Morty!

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  • author
    Tracie
    Feb 13, 2021
    We would highly recommend Morty for you…

    We would highly recommend Morty for you mortgage needs. They helped to get us a great rate and they have excellent customer service! Our reps, Derek and Jack, were knowledgeable, kept us well informed, and guided us through the process. We had a wonderful experience working with them!

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  • author
    Chris G
    Feb 07, 2021
    Amazing rates and even better service

    I’m not sure where to begin but I guess for starters Morty’s was just awesome. Their online portal was super easy to use and the personal communication between the loan officer (Derek) and the closing officer (Keegan) was great. As a first time home buyer I had so many questions and the guys were super helpful in walking me through all the steps. I originally did my pre-approval through Rocket Mortgage and after my offer was accepted I did some shopping for better rates. Morty’s rate was an entire percentage point less than Rocket with all things equal (3.35 with Rocket and 2.35 with Morty’s). The real kicker is when I received my final approval and disclosures the selected lender (since Morty’s is a broker) was Rocket! Aside from the awesome rate they got me they also helped out with a fee I would have had to pay since I missed my closing date and rate lock due to issues on the seller’s side. The seller was unwilling to pay for the fee but Morty’s cut me a check to make up for the fee from the lender. All in all I closed on my home and the guys at Morty’s were really helpful in making that happen. Thanks Derek and Keegan!

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  • author
    Michael Walston
    Feb 04, 2021
    Great

    I used Morty for our home purchase in 2019 and loved the experience, so I went back and just refinanced. Electronic process is easy, rates are the lowest I could find both times, and Rob is a pleasure to work with. Would definitely recommend Morty!

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  • author
    Sid
    Feb 02, 2021
    Horrible experience!

    Horrible experience! They caused delays in closing due to which we ended up paying significant fines to the seller. Could not get their reps on the phone and had to mail/ping everyday to ask about their progress. Would never work with them again.

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  • author
    Ajay Vasireddy
    Feb 01, 2021
    Great refinance experience

    I had a great experience with Morty for my first home purchase in August 2019 as we were able to close in the promised 21 days. So I contacted Morty again for refinance. The refinance process was started on 18th Nov 2020 and closed on 26th Jan 2021.Derek and Keegan promptly and patiently responded to all of my emails throughout the refinancing journey. I will heartily recommend Morty for your current and future mortgage needs.

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  • author
    Yousra and Junaid Zaheer
    Jan 21, 2021
    Morty not only has a simple and easy to…

    Morty not only has a simple and easy to user interface, but it also has a great team behind the system to assist you through the mortgage process. We have done two mortgage applications through Morty and in both cases Robert was very patient and walked us through the different options. He also kept us posted, and took us through the process explaining what each step meant. We've appreciated his insights and guidance and would definitely work with him again

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  • author
    Bryan
    Jan 18, 2021
    Great online tools

    The online tools for choosing the best mortgage rate vs. points was very helpful! Overall, the process was very fast and successful. There was some last minute stress to get all the required documentation satisfied, but I chalk that up to be such a fast closing.

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  • author
    Linda Bosley
    Jan 18, 2021
    My husband and I had an excellent…

    My husband and I had an excellent experience with Morty, specifically Ian Mead and Jack. All of our loan application and the following process was completed online. It was extremely easy. Ian and Jack were quick to respond to any questions we had. They communicated both by phone and through emails. The turn around for their responses were often within the hour but no more than a day. Ian also communicated well with our realtor. We both highly recommend using Morty.

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  • author
    Kimberly
    Jan 17, 2021
    Thanks

    Thanks. I like low rates.

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  • author
    Jason Richter
    Jan 13, 2021
    Excellent customer service

    Smooth process that made it easy. Excellent customer service

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  • author
    Robert O.
    Jan 13, 2021
    Great rate & strong start - stumbled at the end

    Great rate and start to the process. Easy to submit documents, but some had to be submitted multiple times. Closing paperwork was wrong, despite me reminding of all prepaids. This led to me overpaying by over $3k, which was promptly returned to me by the closing company. Started off as my best mortgage experience, but stumbled at the end causing unnecessary stress and anxiety. All that said, I would still try Morty again, hoping that it finishes as strong as it began.

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  • author
    Uday Merchant
    Dec 29, 2020
    Great customer service, Great Rates.

    I am currently on the process of buying my first home, closing tomorrow! The team at Morty were the best from the beginning, quick to respond even during the holidays. I got the best rate amongst everywhere I shopped and would recommend them hands down to anyone. They made the process stress-free and very easy for first time buyers. Thanks a lot!

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  • author
    Ramakrishna Kamath Vijayakumar
    Dec 23, 2020
    I requested for a quote for refinancing…

    I requested for a quote for refinancing my house. I had to wait 4 days just to see the quotes- still haven't received them. I will not recommend morty.

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  • author
    Ken Pickens
    Dec 14, 2020
    I am currently in the process of…

    I am currently in the process of purchasing a home and the folks at Morty have been very attentive and helpful making this as pleasant an experience as purchasing a home can be. I would definitely recommend to anyone in the market for a mortgage.

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  • author
    Rakesh Puri
    Dec 10, 2020
    The best people in this business

    The best people in this business. They make sure fast and easy loan process for us. Thanks guys for my first home.

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  • author
    Laurie B
    Dec 06, 2020
    Very happy with Teresa and Keegan

    Very happy with Teresa and Keegan. They worked hard to get my loan ready for closing in 30 days. The user-friendly online portal was very helpful to move things along quickly.

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  • author
    Marina
    Dec 06, 2020
    Great experience

    Great experience. Fast, timely and very easy to follow through their site.

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  • author
    Elizabeth Lehman
    Dec 05, 2020
    Thank you!

    Morty made buying our first house super easy! I had no idea what to expect but Nick helped me every step of the way. So helpful and responsive. Thanks so much!!

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  • author
    Theodore Wright
    Dec 05, 2020
    Couldn't have asked for a better…

    Couldn't have asked for a better experience buying my first home with Morty. Got the best rate, and Nick kept me informed and help me get my dream home. Thanks Morty

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  • author
    Cody Halbleib
    Dec 01, 2020
    Great experience

    Purchasing a home for the first time is a very overwhelming experience. Morty made it seamless and worked hand in hand with my real estate agent from Redfin. Morty set me up with a mortgage from a reputable lender that I trust. I also appreciated the reminders that the Morty team sent me to keep the process on track. Before we had even closed on my home, I had already recommended Morty to my coworkers. I’m currently writing this review from the back deck of my new home and love my new place.

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  • author
    Alexander Okon
    Dec 01, 2020
    Great rates and service more people should know about

    Despite being relatively new and unheard of, after checking with many other home loan options, Morty had the best rate and lowest loan costs. I’d still recommend checking rates across national lenders, local banks, credit unions, and agents, but my personal experience with Morty was great. Fast and easy estimate along with responsive customer service throughout entire closing process. Strangely, none of the other lenders had heard of yet, but if their rates and service stay this good, that will change soon enough. Would definitely check them out if looking for a home loan.

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  • author
    Gerald Cole
    Dec 01, 2020
    Our mortgage was not approved until the…

    Our mortgage was not approved until the day before closing. Requests for financial information were provided promptly by us, followed by additional requests upon additional requests all of which could have been provided up front, IMO. The location of your loan officers on the west coast resulted in a shortened window from my east coast location that exacerbated the delays with an added day in between. Your online system worked OK and people seem knowledgeable but seemed to readily accept delays and numerous, sometimes redundant, requests for information all of which resulted in a poor experience by us who should be your highest priority, your customer. No sense of urgency to meet our needs and apologists for the shortcomings of Morty inner workings. Our title agent expressed similar poor experience too.

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  • author
    David Foster
    Dec 01, 2020
    Smooth sailing

    The two employees I dealt with at Morty, Derek and Keegan, always provided timely and accurate guidance. The entire process was smooth and there were no problems whatsoever. Their website was easy to navigate and employees on their website always responded via chat within a few minutes to any question I had. I would recommend Morty to anyone seeking a home loan. David

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  • author
    Happy Customer!
    Dec 01, 2020
    Great team!

    Closed in less than 30 days. Very responsive team. Made the mortgage process a walk in the park.

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  • author
    GOSHI
    Nov 25, 2020
    The Morty team was great to work with

    The Morty team was great to work with. Especially, I want to express my gratitude to Derek, who gave me emotional support when our mortgage process faced some issues. The Morty gave me a fantastic rate, and we were able to close in 30 days even though we had some problem during the process. They are easy to communicate with. you can get an answer in 5 min or so. I really recommend Morty to anyone who look to purchase a home!

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  • author
    Mei-Li Lin
    Nov 18, 2020
    poor customer service + high fee

    Purchasing a home is very stressful. The lack of customer service and the high origination fee from Morty Mortgage add another layer of frustration. Will not use this service again. They require many more documents and there is absolutely no saving.

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  • author
    Michael Carey
    Nov 05, 2020
    Smooth, Honest and Transparent

    Smooth, easy, straightforward and transparent; Wading through the mortgage process with multiple vendors, I was instantly enamored with Morty and its online platform. Within moments I was given clear and understandable options with the ability to request a rate lock - all other options that were being pursued became instantly irrelevant. After dealing with the intentional vagueness and opacity of other companies the ease and honest transparency made me an evangelist for Morty. For highly qualified buyers this is the way to go. Ian, Keegan and Jack are appreciated.

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  • author
    Bill Lee
    Oct 28, 2020
    Outstanding Team!

    The Morty team was great to work with during my recent "out of state" home purchase. At the outset of the process, they helped me to zero in on a combination of rate and points/lender credits that saved me significant $ at closing. Their process is easy to follow. It keeps all requirements on a timeline to move you to closing, so you know where you stand at all times and you know what you need to provide to keep on track. Morty assigned a team of individuals, each with a specific role to play to go through the entire process. They were very responsive to any and all questions I had. Through most of the process, communication was through e-mail and their internal messaging system. I didn't actually speak to anyone on the team until the week before closing; even then, I initiated the call. My situation was a bit complicated, but the Morty team handled everything in stride and in a very friendly and professional manner. I have secured a number of mortgages over my lifetime, all with a very traditional approach with a local lender. In my opinion, the Morty process was better! I knew where I stood with the transaction all the time. Again, this was a great experience! If you need a mortgage, Morty is your team!

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  • author
    Joel
    Oct 28, 2020
    Beat all my expectations by a mile!

    Went into the mortgage process blind and open to any and all possibilities. Through Lending Tree I was assigned the Morty team and couldn't have been happier! The Morty team was communicative and the website was highly intuitive and allowed me to track every step in the process. Oh, the interest rate couldn't be beat! Highly recommend these guys A++

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  • author
    Mike
    Oct 07, 2020
    Helpful for a first home purchase

    The folks at Morty were helpful in securing a mortgage for our first home purchase. They served as a broker, giving us multiple options in terms of lenders with different terms and rates. They were responsive when we had questions, and were clear with what they needed.

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  • author
    Shu
    Oct 06, 2020
    Easy process and great rate

    We went with Morty because of their competitive rate and good reviews. Communication with Nick and his team has been very smooth. The lender they worked with was slower and not as efficient, but Morty helped us push through and closed in time.

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  • author
    db
    Sep 29, 2020
    Consumer Beware

    Feels like a bunch of kids tried to make a mortgage startup company without really knowing what they are doing. Communication from their young staff was laughably bad. Not really sure how their business model adds value for anyone -- we could have done the deal directly with lender and it would have been much easier. Do your homework, pick the cheapest rate, and work directly with lender.

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  • author
    Jeffrey Brinker
    Sep 28, 2020
    Easy Process with Morty

    Working with Morty was great. I was able to secure a fantastic 30-year rate at the start of the process which is why I went with Morty in the first place. At every step of the process, they were prompt with responding to my questions and getting back to me in a timely manner. For someone buying their home for the first time, I would highly recommend. If I could give one complaint, it would be the lender they connected us to. The lender sat on the appraisal report for a month and then flagged something as we were approaching closing day. I don't think this is Morty's fault but it caused an unnecessary crunch when we could have had a lot more time to resolve.

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  • author
    els
    Sep 24, 2020
    Morty was absolutely amazing at every…

    Morty was absolutely amazing at every step. They were able in record time to provide me with a very competitive rate and the follow-through team (Derek and Keegan) provided incredible transparency and patience at every step. They were very responsive whenever I needed help, and the platform to track progress, tasks and exchange documents is extremely friendly and very helpful. I am convinced that thanks to Morty I was able to close 3 weeks earlier than the attorneys believed possible and with a more competitive rate.

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  • author
    F. L.
    Sep 23, 2020
    Professional, fast and easy

    This is my first time buying a home. When I was signing papers at closing, my lawyer and her assistant kept on commenting on how professional and well organized Morty team is. They say most broker you don’t hear from them, but Kegan was on task the whole time. They were very impressed. I chose Morty because how easy and fast it is to view rates, change my plan and upload paper work on the website. I’m a visual person. Being able to see is so much better than just hearing people on the phone

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  • author
    Jack Nance
    Sep 23, 2020
    Great Rates, Technology, & Service

    What initially hooked me with Morty were their competitive rates. What kept me with them was the technology and unbelievably fantastic team. First, the ability to pull Pre-Approval letters within minutes was instrumental, especially in this insanely competitive housing market where a house listing could last as little as 2 days! (It happened) And of course the entire crazy process of getting the final approval and closing, they were just the best. Would recommend Morty to anyone looking to purchase a home in any start they currently provide service. Thanks guys! Cheers.

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  • author
    Ross
    Sep 21, 2020
    Efficient and Competitive

    My experience with the Morty team exceeded my expectations. My broker Derek was responsive and helpful. Morty was able to quickly secure the best loan terms that met my criteria. Underwriting was also pretty smooth in that I was always clear as to required documentation through the online portal. I will definitely recommend Morty to my family and friends.

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  • author
    Megan Y
    Sep 17, 2020
    Morty is great!

    We had a great experience using Morty! Nick helped us secure a great interest rate and was always available to answer questions. When our closing hit a little snag at the last minute, he helped us keep our rate and got us over the finish line!

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  • author
    Robyn Richard
    Sep 15, 2020
    Outstanding Experience

    My experience with the Morty team exceeded my expectations. My broker Nick was fantastic! He got me loan terms I was very happy with. Teresa also did a great job with underwriting. The whole process was smooth and I loved the online portal. I highly recommend Morty to my family and friends.

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  • author
    Tyler Daniel
    Sep 08, 2020
    Morty’s team did an amazing job in…

    Morty’s team did an amazing job in simplifying the mortgage process. Nick and Teresa took the time to answer all questions and update us immediately on any information that was needed by the lender. They worked vigorously at all hours. Highly recommend!!!

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  • author
    Adam Frank
    Aug 11, 2020
    Postive Experience

    The team at Morty was top notch. These guys not only got me a super low interest rate but made the lender aspect of home buying easy. Buying a home is most likely the most expensive purchase you will make. It is stressful and life changing but the team at Morty helped me every step of the way on the lender/ money side. Thanks Ian and Keegan!

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  • author
    Alyssa D
    Aug 10, 2020
    Great communication and quick response times

    Great experience from day one working with the team at Morty. Nick was responsive from the start and helped me understand the process better. Jack and Keegan helped get us across the finish line and made it an easy process for us to stay on top of as we got down to the wire on closing. Even with a few of the less common situations we had with owning an additional investment property, the team quickly informed me of all documents that were needed to hand off to the lender to make sure we were on track. Definitely recommend going through Morty as it was easy to get things done on my own schedule outside of my business work hours.

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  • author
    Captain007
    Aug 10, 2020
    They were a good option for me as a…

    They were a good option for me as a relatively experienced buyer. They are masterful at prioritizing time, responding quickly to the time sensitive questions and slower to everything else. In my case, there was a misunderstanding on debt to income ratio and I was recategorized as a higher risk bracket two days before closing (increasing our payment). They had the relationship with the lender to get the necessary approvals pushed through in a short timeframe. Appreciate the assistance with this loan.

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  • author
    Fatima
    Jul 29, 2020
    Highly recommend - amazing customer experience and competitive rates!

    I highly recommend working with Morty, especially if you're a first time home buyer or have a lot of questions about the process, details, and need more understanding. Nick was amazing! He was quick to respond, walked me through the details, and was so helpful and supportive - I had no idea what I was doing at first, but he guided me through it and helped me understand the details and make a good decision. I definitely shopped around at a lot of different lenders and options and this was by far, the best customer service, competitive (if not equal rates), and just overall, a really cool dashboard UX (thoughtfully built). Talking with lenders can be such a hit or miss, especially if you don't want to deal with 6am phone call follow-ups - so I was really thankful that Morty was the intermediary. I'm so grateful for the transparency and compassion in our conversations and for all that I've learned from reviewing the mortgage process, fees, and details about escrow. I would highly recommend Morty to friends, family, and co-workers and will keep them in mind for the future if I'm refinancing! Thanks Nick at Morty for being awesome!

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  • author
    Adam Picketts
    Jul 28, 2020
    I recommend Morty and working with Nick…

    I recommend Morty and working with Nick and Keegan was a seamless experience. I began working with Nick just 30 days before close and he made it happen. I was a 1st time home buyer as well. After initially working with my personal bank, I decided to compare rates using one of the online lending marketplaces. Morty and a handful of others reached out shortly after that and Morty's rates were the most competitive. I was a bit skeptical that Morty was able to lock this rate so quickly, but the rate Morty first quoted me that day did in fact end up being my actual rate. We closed June 24th and during closing the settlement agent mentioned it was the lowest rate she'd ever seen. Granted rates are historically low now, and mine was point-heavy, but I'm sure she's been doing a ton of settlements recently and has been working with many well qualified buyers. As a final nod to Morty, I was camping in Montana during the underwriting process and was frequently without service, once for 7 days. Nick made it clear what materials were needed on the Morty closing tracker in order to meet closing and then worked with my agent while I was away. Adam Lehigh Valley, PA

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  • author
    Kate
    Jul 28, 2020
    Fast and efficient - highly recommend!

    As a first time home buyer, I had no idea what to expect, but I am so glad I chose to go with Morty. Nick was super helpful and responsive and worked diligently to make sure we close on time.

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  • author
    Kathleen Wein
    Jul 24, 2020
    Our experience with Ian and Morty was…

    Our experience with Ian and Morty was great. He walked us through the home buying process and was committed to getting us the best rate with the lender that best fit our needs. We appreciated the Ian’s consultative nature. Additionally, the whole process with Morty was easy. The app makes everything stress free!

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  • author
    Julie Bennett
    Jul 22, 2020
    Unresponsive. Wasted our time. Disappointed.

    We found Morty in an online search Sunday and initially they looked good - the snazzy platform, positive reviews. We had a call with Ian first thing Monday to discuss financing on a house we just went under contract for. We both have excellent credit and were already prepared with our financial statements, tax returns etc which we provided right away. Ian said we should have some answers by end of day after he discussed with 'his team'. Ian did not sound like an experienced lender himself and wasn't able to provide us with much useful information.... it was all being referred to 'the team'. Suspect he is more of a gatekeeper... and not a very engaged one at that. Arranging home financing is time sensitive, especially when under contract. We never heard back from Ian by EOD as promised so I sent a follow up email Monday night. No reply. Sent another follow up email Tuesday. Nothing. Sent a 3rd and final email Tuesday night to check if Ian was getting our emails or if he and 'his team' just didn't want to work with us - in which case, a reply would have been appreciated. We did see Morty pulled our credit inquiry (we're both high 700s), but here we are Wednesday, and still crickets. Oh wait! An email just came in from Ian with the subject header "Your pre-approval letter from Morty" - did we have progress, after all? Alas, it turned out to be one of those automated marketing emails to check where we are at with our home buying process... asking if we've found a home, made an offer, and saying they can get us a verified pre-approval letter in about 5 minutes. Hmm that was not our experience. SIGH. For a small company with only 20 employees, you would think you might get some personalized service. Or even a reply to your emails... and a follow up to a phone meeting and credit inquiry, with Ian or 'the team'. But alas, no. Seems Morty's style is to sell to prospective customers with their fancy platform and automated emails, but not actually service them. We really wanted to like Morty, and even work with them as their rates "looked good". But don't be bedazzled by their slick website and platform. Based on our experience, we recommend you keep looking for a real mortgage broker who will actually show an interest in working with you, help find the right financing solution, and respond to your communications. After all, we shared a lot of sensitive financial info with them, in good faith. And this is a big and important financial decision. Lacking confidence in Morty, we contacted another broker yesterday and just got approved – with excellent terms and rate – by Portia at Guild Mortgage. She was extremely helpful, efficient and we had our mortgage approved in less than 24 hours. Our realtor is very relieved as she had concerns about us dealing with an 'unknown' online mortgage broker...Now everyone is happy, except perhaps Morty, who we hope will use this feedback to improve their customer service and experience.

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  • author
    Michael Alvarez
    Jul 20, 2020
    Derek and Keegan were excellent…

    Derek and Keegan were excellent throughout the process. It was indeed a pleasure working with both of them. The process was smooth and to the point. I recommend giving them a try.

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  • author
    kegan hagerott
    Jul 14, 2020
    Very satisfied!

    Morty was able to help us navigate a very quick close (we only had 26 days between rate lock and close). Everything was done very efficiently and with high quality. The team (Nick, Jack and Keegan) were very responsive and addressed any potential issues immediately. Would definitely recommend!

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  • author
    Thomas Brooks
    Jun 22, 2020
    Innovative, efficient, and effective

    I found Morty through a loan calculator and I'm so glad I did. I hadn't been actively looking for homes, so when the once in a lifetime home showed up on my search notifications I had to act on it. The fact that Morty allowed almost instantaneous pre-approval is the entire reason I was able to get the home I am in today. From being unprepared at day 1 of listing to submitting an offer on day 3. My timing was crucial for having an attractive offer. Along with that, the team at Morty was extremely hands on and transparent throughout the entire escrow process. I like to do as much as I can and control as much as I can, and my team at Morty (Nick Campbell, Jack Edelman, and Keegan Kelln) was able to accommodate all my requests and work with me for every step of the way. Huge shout out to Keegan our closing officer, who worked tirelessly with me through our delays with our lender because of COVID-19. The entire team at Morty did everything they could to help us close with a schedule that worked for us. If it wasn't for Morty, I wouldn't have my dream house now, and I'll never forget that. I couldn't recommend Morty higher.

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  • author
    Chris Christian
    Jun 22, 2020
    5 star customer service and pricing

    This was the fifth house I've purchased and Morty's customer service shined bright. I view it as a mortgage process for the modern age. If you're in the market for a new home, do yourself a favor and give Morty a look.

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  • author
    Mia Hoang
    Jul 01, 2020
    Highly recommended!

    We are first-time home buyers who were really confused with all the offers in the market, but ultimately we chose Morty, because we worked with Ian who was very responsive and helpful on pre-approvals during house hunting before, and he also gave us one of the best offers. Ian and Keegan made the process very easy and painless, and helped us solve any issues we encountered quickly and efficiently. Due to Covid-19, it was hard to find an appraiser in our area, but they managed to rush it through, and we closed only 2 days later than initially planned. It took us around 30 days to close from the time we chose Morty as our broker, and we couldn't be happier.

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  • author
    Kyle Chank
    Jun 12, 2020
    More Morty!

    We were first time homebuyers and the process at Morty was transparent and honest from first click. Ian was great, quick to respond and resourceful; when Keegan and the rest of the team got involved it was seamless to the end. I’ll use Morty for any house I purchase and recommend it to others.

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  • author
    t s
    Jun 12, 2020
    We had great experience with Derek…

    We had great experience with Derek Gussaroff and Keegan Kelln. They answered all our questions and worked fast. Uploading document was easy too and you can check anytime what other documents are needed. When we need a mortgage again, we would use Derek and Keegan for sure. great company, great people to work with!

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  • author
    Grace Ma
    May 31, 2020
    A+++ service from Morty

    Nick from Morty was super friendly, helpful, and informative, and answered all my questions with a ton of patience. I will definitely recommend Morty to friends and family looking for a lender.

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  • author
    Nishant Sarma
    May 16, 2020
    Smooth Process for First Time Home Buyers - Highly Recommended!

    As first time home buyers with a relatively short window to close we received a lot of advice to stick with a "local broker" that knows the market. After doing a little research and consulting with friends/family we decided to shop around and include "online brokers" - turned out to be one of the best decisions we made in the process. Morty's unbeatable rates, online application and monitoring process, combined with their easy and timely access to actual loan officer(s) made the financing part of the process extremely informative and relatively easy/stress-free. We worked with Derek, Jack and Keegan on a deal that fell through (for inspection reasons), followed by a successful one that closed in approximately 3 weeks - during the covid19 related uncertainties - 4/24 close. No issues with "local laws and customs" and everyone involved was extremely responsive to all inquiries whether by phone or email. Whether you go with Morty or not, it's highly recommended to at least get a quote and have them go over their approach.

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  • author
    Greg
    May 08, 2020
    Excellent work Morty!

    The Morty experience was excellent. Everything was professional, honest, and completed on-schedule or ahead of schedule. Good communication on requirements and exactly what needed to be done throughout the entire process. Derek and Keegan make a great team to close a loan and get you into your dream home. Thanks again to you both.

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  • author
    Andrew Lydiard
    Apr 17, 2020
    Initially painful process that was rectified

    Originally I had written quite a review about the issues we were having. However, after a few phone calls made by my wife we were in touch none other than the CEO of Morty. He was straight-forward, honest, and extremely helpful. After some real talk, he went to bat for us and got this thing done. We are now in the process of moving into our new home.

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  • author
    Nick Zweber
    Apr 09, 2020
    Excellent company to work with

    Excellent company to work with. Derek gave us daily updates on rates and the volatile market caused by coronavirus. We got our dream home and an amazing rate. All through a very easy and transparent process.

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  • author
    Lillie
    Apr 08, 2020
    I can’t say enough for how amazing this…

    I can’t say enough for how amazing this process with Morty went. I wish I had used them on my last investment mortgages. That was a nightmare. Thank you for making this experience so pleasant. You were there each step of the way. I will refer you to anyone I know. Again, thank you for helping make this easy .

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  • author
    Chelsea Steckel
    Apr 08, 2020
    Absolutely Fantastic! Can't go wrong with Morty.com

    Derek and the rest of my mortgage team were absolutely fantastic. This was my first home purchase and I had a lot of questions. Derek and team were always quick to respond and help explain the process. Every single thing about our mortgage was seamless - they were even able to move up our closing by almost a month and got us locked in at an incredible rate for 30 years. I cannot recommend Morty.com enough! Definitely would chose them again 100% for all your mortgage needs.

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  • author
    Michael Gordon
    Mar 10, 2020
    Had an amazing experience with Morty

    Had an amazing experience with Morty! Derek was awesome! He was very responsive, very informative, and the rates were the best!

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