Motto Mortgage franchise
2026 filing · April 10, 2026
Motto Mortgage at a glance
A mortgage brokerage office helping homebuyers compare and arrange home loans. At the end of 2025 there were 171 Motto Mortgage locations in the US, all franchised.
The business
- Industry
- Real estate
- Franchisor
- Motto Franchising, LLC
- The company that sells the franchises
- Current franchisor selling since
- 2016
- 10 years of selling franchises
- Franchisor based in
- Denver, Colorado
- Typical size
- 200–500 sq ft
What you pay
- Cost to open
- $56K–$245K
- Fee, build-out and opening working capital
- Franchise fee
- $35,000
- Paid once, when you sign
- Royalty
- $2,500 a month plus a per-loan fee
- A monthly fee of $2,500 plus 7 basis points on each loan (capped at $1,000 per transaction), with more for each loan originator beyond seven
- Brand fund
- Yes
- $350 a month
- Renewal fee
- See terms
- 50% of the then current initial franchise fee
- Agreement length
- 7 years
- Franchisor financing
- Some financing offered
Where it is
- US locations, 2025
- 171
- Franchised and company-owned
- Franchised
- 171
- Company-owned
- 0
- States
- 40
- Most in Florida, Texas and California
Support and records
From Motto Franchising, LLC’s 2026 filing; revenue and net loss from its audited financial statements, page 195; SBA status from the SBA Franchise Directory, October 28, 2026.
Franchisor revenue is the company that sells the franchises (royalties, fees and anything else it earns), not what a location makes.
Where it ranks
Motto Mortgage among all franchises with the same figure.
| Figure | Motto Mortgage | Among all franchises |
|---|---|---|
| Cost to open, midpointHalfway between the low and high estimate | $150,225 | Costs less than 77% of franchises |
| Franchise feePaid once, when you sign | $35,000 | Lower than 61% of franchises |
| US locationsFranchised and company-owned | 171 | More than 84% of franchises |
How much a Motto Mortgage franchise costs
Opening one Motto Mortgage costs an estimated $55,700 to $244,750. That covers the franchise fee and everything else needed to open, through the first months of working capital. It is one of the low-cost franchises.
Source: Motto Franchising, LLC, 2026 filing, page 26
Motto Mortgage franchise fee
The franchise fee is $35,000. You pay it when you sign the franchise agreement.
Source: Motto Franchising, LLC, 2026 filing, page 16
Royalty and ongoing fees
| Royalty | A monthly fee of $2,500 plus 7 basis points on each loan (capped at $1,000 per transaction), with more for each loan originator beyond seven. |
|---|---|
| Brand or marketing fund | $350 a month. |
| Renewal | 50% of the then current initial franchise fee |
The typical franchise royalty is 6% of sales, plus 2% for marketing. See franchise fees and royalties to compare.
Source: Motto Franchising, LLC, 2026 filing, page 18
Other fees as filed, from page 18. The filing lists every fee, including late fees and audit costs.
Sales and earnings
No figures Motto Mortgage does not share sales or profit figures for its locations. Talking to current and former franchise owners is the usual way to learn what a location earns.
Source: Motto Franchising, LLC, 2026 filing, page 57
SBA loans to Motto Mortgage franchisees
Lenders approved 3 SBA 7(a) loans for Motto Mortgage franchisees from 2020 to 2024, $1.58M in all. One has been paid in full; none was charged off. The other 2 haven’t ended yet.
A charged-off loan is one written off as uncollectible. See SBA franchise loans for how 7(a) and 504 loans work.
Source: SBA 7(a) and 504 loan data, as of September 30, 2026
How Motto Mortgage compares
Of the 95 real estate franchises on this site, Motto Mortgage is the 40th cheapest to open and the 23rd largest by number of locations.
| Figure | Motto Mortgage | Typical real estate brand | Typical franchise |
|---|---|---|---|
| Cost to open, low end | $56K | $69K | $222K |
| Cost to open, high end | $245K | $244K | $477K |
| Franchise fee | $35K | $35K | $40K |
| US locations | 171 | 67 | 21 |
| Change in franchised locations, 0 yrs | −26.9% | +1.4% | – |
| Shares earnings figures | No | 40 of 95 | 2,147 of 3,352 |
Typical is the median across the 95 brands in real estate franchises; typical franchise, across every brand here.
Locations opened and closed
| Year | Franchised | Company-owned |
|---|---|---|
| 2021 | 192 (+46) | 0 |
| 2022 | 234 (+42) | 0 |
| 2023 | 249 (+15) | 0 |
| 2024 | 228 (−21) | 0 |
| 2025 | 171 (−57) | 0 |
Closed or left counts terminations, non-renewals, locations bought back by the franchisor and locations that stopped operating.
See which brands grew most in the fastest-growing franchises rankings.
More in the guides: franchise failure rates.
Over 5 years, from the start of 2021 to the end of 2025, franchised locations went from 146 to 171 (+25, +17%). The earlier years come from the brand's 2024 filing.
Source: Motto Franchising, LLC, 2026 filing, page 58
2021–2022: Motto Franchising, LLC, 2024 filing, page 76
Where Motto Mortgage locations are
At the end of 2025, Motto Mortgage had franchised locations in 40 states. The most are in Florida, Texas and California.
- Florida32
- Texas14
- California10
- Ohio9
- Georgia7
- North Carolina7
| State | Franchised |
|---|---|
| Florida | 32 |
| Texas | 14 |
| California | 10 |
| Ohio | 9 |
| Georgia | 7 |
| North Carolina | 7 |
| Washington | 7 |
| Illinois | 6 |
| Missouri | 6 |
| South Carolina | 6 |
All 40 states
Source: Motto Franchising, LLC, 2026 filing, page 61
Who owns Motto Mortgage?
Motto Mortgage franchises are sold by Motto Franchising, LLC.
Motto Mortgage is one of the 2 Real REMAX Group brands here. Real REMAX Group is a public company formed when The Real Brokerage completed its purchase of RE/MAX Holdings in August 2026. Its shares trade on Nasdaq as REAX.
From Motto Franchising, LLC’s 2026 filing; RISMedia.
Lawsuits and bankruptcy
| Lawsuits and regulatory actions | Yes. The filing describes past or pending cases involving the franchisor, its affiliates or its executives on page 15. |
|---|---|
| Bankruptcy | None. The filing says no bankruptcy has to be disclosed. |
Franchisors must disclose lawsuits and bankruptcies involving the company, its parents and affiliates, and its executives. Many cases are routine disputes with franchisees over fees or contracts; read the descriptions in the filing and ask current owners about anything that worries you.
Source: Motto Franchising, LLC, 2026 filing, litigation on page 15, bankruptcy on page 16
Motto Mortgage filings
A franchisor files a new disclosure each year it sells franchises. The figures on this page come from Motto Franchising, LLC’s 2026 filing, issued April 10, 2026; the earlier ones below are on record with the Minnesota Department of Commerce and fill in older location counts.
| Filing | Issued | Registry | On this page |
|---|---|---|---|
| 2026 filing | April 10, 2026 | Minnesota | Costs, fees and locations, 2023–2025 |
| 2024 filing | – | Minnesota | Locations, 2021–2022 |
Each link opens the filing as a PDF. See the newest filings across all brands.
Other real estate franchises
All real estate franchises
Other brands from Real REMAX Group: RE/MAX. See all 2 in the finder