ITEMS 5–7 · 2026 FDD
How much is a MOTTO MORTGAGE franchise?
Per MOTTO MORTGAGE's 2026 FDD, the initial franchise fee is $35,000 (Item 5) and the total initial investment runs $56K–$245K (Item 7).
$35,000
one-time, to buy in
$56K–$245K
franchisor's own estimate
| Cost line | MOTTO MORTGAGE | Sector median |
|---|---|---|
| Initial franchise fee ITEM 5 | $35,000 | $35,000 |
| Total initial investment ITEM 7 | $56K–$245K | $87K–$253K |
MEDIANS: LATEST FDD FILINGS (≤24 MONTHS OLD) OF 22 REAL ESTATE SYSTEMS · FULL REAL ESTATE BENCHMARK →
The buy-in is the smaller number. The larger one is the drag: royalties and fees leaves before rent, labor, or your salary — so breakeven depends on volume you cannot know from the FDD, and this brand publishes no Item 19 earnings data to anchor it.
To open (Item 7)
$56K–$245K
all-in investment range
Franchise fee (Item 5)
$35,000
upfront, one-time
Royalty (Item 6)
See Item 6
not a single flat % — read the fee table
This is not profit. It covers what the FDD fixes: what you put in, and the royalty you owe on sales. Your take-home depends on labor, rent, supplies, and the months to breakeven, none of which the FDD fixes for your unit (some Item 19s include cost data — read it).
Build a real pro-forma for MOTTO MORTGAGE with a buyer-paid CPAMOTTO MORTGAGE cost questions, answered from the filing
How much is a MOTTO MORTGAGE franchise?
Per MOTTO MORTGAGE's 2026 FDD, opening a franchise requires an initial franchise fee of $35,000 (Item 5) and a total initial investment of $56K–$245K (Item 7). Item 7 is the franchisor's own estimate — treat the low end as a floor, not a budget.
Does MOTTO MORTGAGE tell you what franchisees earn?
No — MOTTO MORTGAGE's 2026 FDD makes no Item 19 earnings claim, so any revenue figure you hear comes from sales conversations, not disclosure documents. Validate with current and former franchisees.
The MOTTO MORTGAGE validation checklist
questions built from this brand's own filings · read them all on the profile
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A broker is usually paid by the franchisor to place you. I'm paid only by you, never by a franchisor you're considering — and the job is pressure-testing MOTTO MORTGAGE’s numbers, including talking you out of a bad deal.