Morty Reviews

Do not become a Residential Originator for Morty, once you no longer want to work with them, they keep applying the monthly charge to your credit card, even after Supervisors say they will stop. We have submitted disputes and they keep charging. We will be filing a dispute with the Consumer Financial Protection Bureau. If there was a 0 for the review I would be putting that.

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.

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.

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.

Morty is perfect. Their mortgage rate is competitive, the process is clear and there's no service fee. Customer service is very good too. I'm satisfied.

The process took a few days and it was great. It was straightforward and simple. Overall, Morty was easy to work with, and I would recommend them.

When I went to LendingTree and put in my information, Morty was top of the list with the lowest interest rate and APR. I thought it was worth contacting them because of that. The only thing was that they did everything electronically, which was an advantage, but being a little bit old school, I was concerned because they didn't have that personal touch. When I reached out to the team that was handling the mortgage and told them I hadn't heard anything from anyone, the rep said that I didn't request that they contact me. That was via email and after that contact, I understood that it was an electronic process.

I was happy with the whole process. Things were easy and simple. But some of the documents needed were things that I didn't have. Some of the forms were too automatic and they ask specific questions which sometimes don't apply to everyone. Also, I didn't have a mortgage against my house and they thought I did. I had to convince my rep that I didn't. Other than that, I got a good rate.

I went through Morty and it was a good experience. I had a few different people that I worked with, and usually just through email. Anytime I had a question, they were always quick to respond. It's a quick, easy process.

I liked everything about the process. The website was easy to understand and it went pretty smooth. We had a 40-day close.

Morty was very responsive. I got to talk to a live person and I got the same person repeatedly. I was able to get feedback almost instantaneously. They put up with my ineptness at filing the proper paperwork and guided me into getting the right stuff. The reps were far more than I expected and very pleasant to deal with from the beginning to the end. I got terrific terms.

I got a 30-year conventional loan program with a good interest rate. The reps had good communication through email and text. My rep even responded a few times when he was on vacation.

I was skeptical of the value of a broker - but the Morty team located the most competitive loan for my needs, helped work through several obstacles, streamlined the communication to the lender and closing agent, and provided an awesome web interface to track progress and communicate with me most effectively. Would definitely recommend.

Morty is very easy to use and I can do everything online. I worked with the website and the web app. The website is pretty easy to use. The closing process is well documented so that I can just upload my documents as instructed. The only thing is on their website, they do not provide like loan options.

I was satisfied with the process. From application to closing, it took 30 days, and the rates and terms are good.

Working with Morty was great and very easy. They had the cheapest mortgage rate for me. My loan officer was excellent. If I had a question or anything, I could email him, and he would get right back to me. I was gonna be leaving town and he worked really hard so we could close a couple days earlier.

Morty had the best rates available that I can find. I got into a 15-year fixed loan. Morty’s application process was straightforward. Color coded system works pretty well. The one area where it was a little bit challenging at first was I didn't feel like I had an actual personal point of contact. Because it was all online, I couldn't tell if the names that were portrayed were actual individuals or just some sort of robotic system. It turns out they were individuals, but the way the interface and interaction was, it was not clear at first.

The rep was really helpful. He always answered my questions and responded, and everything went good.

The website was clean, and it was clear to use. It was a polished experience, so I felt comfortable with moving forward with Morty. The document uploader was a little weird though. Sometimes the site would glitch out when trying to add multiple documents, but other than that, there weren’t too many bottlenecks. There were a couple of weekends where the response wasn't super quick, but overall, it was a quick turnaround on response times. Everything got done in a timely manner, and I was satisfied.

Everything went well with Morty, but I'm not very happy with the closing process. The earlier closing cost that was promised was 5,500 estimated cost, but then I had to pay 3,500 extra for it. I needed to do a lot of follow ups, and I was promised that I would be getting the closing cost, it is just a process. Also, out of the closing cost, I paid $1,489 for my rentals. I bought the home on the 29th, and I'm still waiting for the check. It's been three weeks.

Morty had the best rates that I could find. The initial contact seemed to be good. After that, I couldn't get ahold of the guy. I would call, leave messages or emails, and there was just a big gap in communication.

The reps helped me get all the documents I needed, and the process went well. The rates were the best too.

The process went smoothly. It was easy. I just filled out some things online and then I was contacted by somebody. They worked closely with me through the whole process. We also closed a week early. The rates and terms are good, as well. ​It was, overall, a good experience.

Morty was very helpful. The rate that I got was really competitive and that was the main reason I went with them. They were all easy to work with. My only frustration was the third party lender kind of slowed things down and made us push it back, but I do believe that was outside of Morty’s control. They explained why they pushed it back, but it was the day of. It was kinda too late at that point. I had submitted everything that I needed. Morty thought they had everything that they would have normally needed. The day after I was supposed to close, they had told me that they've never had to go back to somebody and ask for that type of information. So, I think they were getting kind of mixed messaging from the third party.

Morty's loan rep was fantastic, very responsive and had great communication. The process took a while. We started on August 12th and then it closed on October 8th. There was a communication issue. We got to the week of the anticipated closing. The lender had waived the appraisal, and they realized about a day or two prior to the anticipated closing that they needed an appraisal after all. So, it took a couple weeks for them to get someone out to do the appraisal and get all that handled. But in terms of the responsiveness of Morty, they explained what happened. They covered the cost of the appraisal, and they paid to extend the rate lock until the new closing date. So, they were very accommodating in terms of what they were able to do. They found a very competitive rate. I was very happy with it. I'd use them again if I had another mortgage that I needed to take.

I was doing research and getting quotes and rates from different people, and the quote that Morty gave me was the most favorable. I managed to close within a month like I wanted to. So, it's good. I did have a few times where I needed a quick answer and I managed to get it.

Morty had the best rates, and the ability to adjust all the little settings was appreciated. That was what I looked for. They nailed the process but I would have liked more transparency and for them to allow for more conditions because it's a very common thing that people move to get a new job. That needs to be part of the sign-up or application so people aren't going to be turned off. There was no option for me to select, "I'm moving to get a job," and have my start date be in the future so I had to put in bad data. I cleared it with Morty's rep but that was a one to two-day wait. It made the process not as straightforward and not as clear. It put a lot of asterisks on what I was doing, whereas other places would allow me to select future dates to indicate that I was starting a job when I move. The representatives that I worked with at Morty were all fine people but I wish that there was more correspondence and better availability. It was very hard to get ahold of them throughout the process. There were multi-day wait sometimes.

They were very difficult to get ahold of. The communication was very poor and they wouldn't answer emails. They're a pretty unethical company. We worked with ** and I had to tell him he had to get things done because they have an impound account and I cannot legally go and get the information from insurance companies. But he didn't do anything until we ended up getting two or three other people from Morty involved at a rate lock extension in order to get the loan to close. The only time I could ever get him to call me is when I left him messages where I was obviously perturbed that something wasn't being addressed. Also, they bothered my employer seven or eight times for the same employment confirmation.

Morty is the best lender based on my online search and they have good rates. Customer service handled my account nicely and whenever there was a clarification, they clarified it for me immediately. The underwriting wrote immediately to me and even the appraiser did things quickly. They followed up with the people. They initially settled the phone calls before I took the Morty calls and they explained everything. I’m also glad they’re available in chat, which is the best thing. Overall, the service is awesome. The only thing is the reference option is not available in the portal. If Morty could add that, most people would use that for sure.

The mortgage process with Morty went well. They were hard to get in touch with sometimes but it closed on time and I got a great rate. The process took them about a little over maybe six weeks and they told me they could have done it faster than that but I wanted to set my closing date. It was my choice. I was super happy with Morty and I referred my friend. She ended up going through Morty as well.

Morty’s rates and terms worked out good as well as dealing with the rep. But at the later stage, the process was slow. They calculated what I have paid incorrectly and doubled the closing cost initially. I was trying to get it resolved as early as possible but they said it would be done during the last week of the closing. The numbers at the time were scary and I didn't have that much money to close it. But it got resolved. If there is a mistake on that part, if it gets resolved early, it helps because once it's too late, I cannot even go to another borrower and I cannot borrow for someone else. Because I got approved from multiple lenders, I could have gone to the other one if that was the case. They should not wait until the last minute to get it resolved.

My application to closing was a little hands off. I had to reach out more than I was reached out to. There was a decent lack of communication with the next steps. They left me, my Realtor, and the sellers in the dark for a lot. We waited on an appraisal twice and we had to reach out for any updates. But the rates and terms were pretty good, especially during the time that I got them.

I loved the whole process with Morty. It was amazing. The people helping me were very communicative. They reached out every time they needed something for me and could answer every question I had, too. I sent the paperwork and within that day, they would put it in the system and I could track everything on the website.