Motto Mortgage Franchise
Cost, fees, owner earnings, closure rate and litigation for a Motto Mortgage franchise — pulled from the franchisor's own public FDD (2026), not its sales material.
Disclosure honesty
Motto Mortgage discloses little or no owner-earnings data (Item 19) — the franchisor won't put real profit in writing.
What their own earnings claim actually says
No financial performance representations provided. Franchisor explicitly states it makes no representations about franchisee future performance or past outlet performance.
What a Motto Mortgage franchise actually costs to run
| Fee | Disclosed | Where it comes from |
|---|---|---|
| Initial franchise fee | $35,000 | Item 5 — paid up front, before you open |
| Royalty | 2.5% of gross sales | Item 6 — charged on revenue, not profit |
| Total recurring fees | 2.5% of gross sales | Before rent, labor, food or debt service |
| Total initial investment | $55,700 – $244,750 | Item 7 — franchisor's own low/high estimate |
$2,500 fixed monthly royalty plus 25 BPs per transaction (capped $1,000/transaction); $350 marketing included in fixed fee.
Royalty and ad-fund percentages are charged on gross sales — an owner pays them whether or not the location is profitable.
Motto Mortgage system size and owner turnover
| Total outlets | 154 |
| Ceased operations | 5 |
| Terminated by franchisor | 10 |
| Transferred to new owners | 0 |
| Closure rate | 3.2% of outlets |
Significant contraction: 57 outlets ceased 2025; 77-outlet net loss 2024-2025. Termination rate elevated.
From Item 20 of the FDD 2026. Terminations and ceased operations are the franchisor's own count of owners who stopped — the number the sales pitch leaves out.
Is Motto Mortgage worth it? — how it compares to 436 similar franchises
| Ongoing fees | 2.5% of sales | lower than most (median 8%) |
| Startup cost | from $55,700 | cheaper than most (median $138,750) |
| Disclosure honesty | Grade F | less honest than most of the category |
| Closure rate | 3.2% of outlets | worse than 64% of peers |
| Disclosed lawsuits | 4 | more litigious than 80% of peers |
Benchmarked against every other franchises franchise we've graded from public FDDs — the context the franchisor's pitch never gives you.
Owner take-home for a Motto Mortgage
The franchisor's framing: No financial performance representations provided. Franchisor explicitly states it makes n… We reconstruct what an owner actually keeps, from their own FDD.
- Reconstructed owner P&L — net take-home after royalty, ad fund, rent, labor & debt
- Break-even timeline + cash-on-cash ROI
- Full fee stack + required-purchase markups
- Decoded real failure / closure rate
- How it ranks vs comparable franchises
- Validation-call playbook — the exact questions to ask
See a full sample report → · 30-day guarantee
Motto Mortgage franchise — frequently asked
- How much does a Motto Mortgage franchise cost?
- The FDD lists a total initial investment of about $55,700–$244,750, including a $35,000 initial franchise fee.
- How much do Motto Mortgage franchise owners make?
- Motto Mortgage discloses little or no earnings data (Item 19) — meaning the franchisor won't put real owner profit in writing. That's a red flag worth questioning.
- What are the Motto Mortgage franchise fees?
- Motto Mortgage's FDD discloses a $35,000 initial franchise fee, a 2.5% royalty on gross sales, for roughly 2.5% of gross sales in recurring fees before rent, labor, or debt service. $2,500 fixed monthly royalty plus 25 BPs per transaction (capped $1,000/transaction); $350 marketing included in fixed fee.
- What is the Motto Mortgage franchise profit margin?
- Motto Mortgage discloses no Item 19 earnings representation, so no profit margin can be derived from the FDD at all. Any margin figure quoted elsewhere is an estimate, not a disclosure.
- What is the Motto Mortgage franchise failure rate?
- Significant contraction: 57 outlets ceased 2025; 77-outlet net loss 2024-2025. Termination rate elevated.
- How many Motto Mortgage locations are there?
- Motto Mortgage's FDD reports 154 total outlets, with 5 that ceased operations in the most recent reporting year and 0 transferred to new owners. Item 20 is where system health shows up before the marketing does.
- Does Motto Mortgage have complaints or lawsuits?
- Motto Mortgage discloses 4 legal matters in Item 3 of its FDD. Item 3 covers the franchisor's litigation history, which is the closest thing to a public record of how it treats franchisees — read the case descriptions, not just the count.
- Is a Motto Mortgage franchise worth it?
- It depends on the numbers, not the pitch. Motto Mortgage scores F on disclosure honesty, carries about 2.5% of sales in ongoing fees, and discloses 4 legal matters. Get the real owner take-home before you sign.
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Compare Motto Mortgage to similar franchises
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Source: WI DFI Franchise Registration (2026). FranchiseValidate is independent and not affiliated with Motto Mortgage or its franchisor. Figures are extracted from the franchisor's own public disclosure document; verify against the current FDD before any decision.