Morty

It went great with Morty. We had an insurance hiccup at the very last day but I appreciated the online, automated nature of it. They provided a very intuitive interface that let me make my choices easily and helped me to bring it all the way to closing. This is the first mortgage for a second home. It was a little bit more difficult than a primary home would be so it was nice that they were able to offer me lots of options. The rates were good. It was a little tricky in that my loan was almost too small. I had raised my offer so that I'd qualify to even use the lender, but only about $500. So, it worked out okay.

I applied for a traditional loan, and Morty gave me a great rate and good customer service. I'm happy with them. The representatives I worked with were great, very responsive.

They were very responsive to any of my questions. It was my first time buying a home, so I was very stressed out the entire time, but they were able to calm me down and say, "This is normal. We just need these documents." And the whole process was pretty seamless. I felt really good about the terms and happy about the rate we got. It's historically one of the lowest in the last however many years.

I went with Morty because the rate that I could get at the time was better than the alternatives I was looking at. The cost was also either equivalent or lower than some of the alternatives for the entire process. I was happy with that. It was self-serve up through getting the initial preapproval and starting the underwriting process. It was a bit confusing at times in the underwriting process when it went from the Morty application to other sites. It took us to a couple of different ones, including Quicken and another one. The applications didn't always seem to talk to each other, so I had tasks due in one, and they weren't necessarily reflected in the other one. It was a bit tough at times to understand what was going on, but I just treated them independently and made sure all the tasks were done. It could have been easier to navigate those though.

Morty seemed to have the best overall package of best rate and best closing cost, so I went with them. I liked the website. It showed how the progress went. And I dealt with Jack. He had very continuous communication with me right out through the very end. He kept me very informed on every little step. Very smooth transaction. So, Morty was a very well organized company.

The guy that I talked to was helpful and gave information. The application and underwriting process didn't take much time, so that was fine. Everything was good.

We were using a different mortgage broker before Morty and we were almost done with the process with them. But then when it came time to lock in the rate, the interest rate had gone up. It was higher than I expected. I shopped around again. I was glad we switched to because not only did we get a better rate, but we had a better experience with Morty 'cause it was more transparent. I liked that everything was online so that made it a lot easier for us to keep track of where everything's at, what documents they have and don't have, and get updates from them. They also didn't have the closing costs and origination fees. I had a million questions and the representative was responsive, helpful, and patient with me. If I called and he didn't pick up, he would call me back pretty quickly. If I texted him, he would respond to my text the same day.

My experience overall is very good. The representatives went out of their way to work with me, especially with getting the information they needed quickly and getting the loan to close as quickly as possible. They did a very good job keeping in touch with me, and the system that Morty has in place with tracking the loan makes it easy to see where you are on the process.

The process took less than two months, and initially, I provided some feedback to my main contact guy that he could have been more responsive. Sometimes I’d provide the stuff that was requested, then it would be almost like a black hole. I didn't know if things were being looked or if it was exactly what was needed, and I ended up asking a ton of questions. I was maybe a bit more needy than some of the other people, but communication on the status could have been a little better. Ultimately though, it got done, which is the only thing that matters.

Morty was very easy to use, and better communication would have been the only thing I would have asked for. There were times where I would call people and not get responses. It left me wondering, "Does everybody have everything they need?" Maybe it had moved from one person at that point to somebody else, and if that was the case, it would have been nice to have someone call me back and let me know, "Hey, call and talk to this person now." Other than that, it was a great experience. The rate and terms worked for me too.