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About Morty

Morty is an online lender that offers home loans in 35 states and Washington, D.C. With Morty, homebuyers can apply for and pick a mortgage through a completely online process. The company prioritizes educating potential homebuyers on how much they can afford in a mortgage by using its own Home Financing Score system, which helps you improve your chances of gaining approval for a mortgage.


  • Designed for home purchases
  • Work with home loan pros
  • Totally online service


  • Limited mortgage options

Bottom Line

Morty is a mortgage company that offers online mortgages. By using its Home Financing Score system, Morty helps you find the right mortgage for you while educating you on monthly payments and interest rates.

What is Morty?

While some mortgage companies may offer a variety of mortgages and refinancing loans for private and commercial properties, Morty specializes in loans for home purchases. Its offered loan types include:

  • 15-year, 20-year and 30-year fixed-rate mortgages
  • 5/1, 7/1 and 10/1 adjusted-rate mortgages

Morty’s loans are designed to be used on primary residences or second homes, and the company doesn’t currently offer loans for investment properties or loans issued through the FDA, VA or USDA.

To qualify for a loan with Morty, you must meet the following loan requirements:

  • A FICO credit score of 620 or higher
  • A steady and predictable income
  • A verifiable source of funds
  • A maximum debt-to-income ratio of 45% or lower

Morty also requires all loan recipients to pay a 3% or higher down payment, depending on your buyer status and the type of home you’re trying to purchase.

Morty loan rates

Morty’s loan rates change every day, and you can view them on its website. The company determines your loan risk by looking at multiple factors, including:

  • Your credit score
  • Your DTI ratio
  • The loan amount you want

Customers with higher credit scores and lower DTI ratios typically receive better interest rates.

Morty FAQ

What types of loans does Morty offer?
Morty offers loans specifically for home purchasing, such as:
  • 15-year, 20-year and 30-year fixed-rate mortgages
  • 5/1, 7/1 and 10/1 adjusted-rate mortgages
Where is Morty available?
Morty is available in 35 states and Washington, D.C. The states in which Morty operates are:
  • Alabama
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Maine
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Nebraska
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
What are the credit score requirements for Morty?
You must have a minimum FICO credit score of 620 to qualify for a loan with Morty.
What’s the minimum down payment for Morty loans?
The minimum downpayment for a loan with Morty ranges from 3% to 20%, depending on the loan and customer.

Is Morty mortgage legit?

Morty is a legitimate mortgage company and a solid option for homebuyers with good credit scores and the ability to pay at least 3% down on a property. While Morty is only available in 35 states and has limited mortgage options, we recommend the lender to homebuyers searching for an online loan experience with specialized services.

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