Morty’s Programs

The Morty Platform has extensive loan coverage, supporting over 95% of originations. If you do not see the loan type you are looking for, reach out to us at support@morty.com.

Loan support for:

Occupancy TypeMinimum
Credit Score
Minimum
Down Payment
Primary5000%
Secondary62010%
Investment Properties68015%
Property Types
Single Family Residences 
2-4 Family Residences
Condos 
Co-ops 
Manufactured homes

Loan programs available for:


Loan Type

Loan Amount

Minimum
Credit Score

Minimum
Down Payment for
Primary Home

Maximum
DTI
Conventional$75,000 – $726,2006203%50%
Jumbo $75,000 – $2M68010%45%
HomeReady & HomePossible$75,000 – $726,2006203%50%
FHA$75,000 –  $1,089,3005003.5%57%
VA Loans*$75,000 – $726,2005800%45%
USDA Loans*$75,000 – $1,089,3006200%46%
HELOC & HEL*$25,000 – $350,000 62050%
The above loan program descriptions summarize relevant guidelines but are not exhaustive – please contact your PSM to determine a particular borrower’s eligibility.  Information provided in this document does not constitute a commitment to make or broker a loan.  Loans are subject to borrower qualifications. Approvals are subject to underwriting and program guidelines, and are subject to change without notice.

* This program is not yet fully built out in Morty’s pricing engine or Morty’s application. In order to apply for this loan, a customer can select “Work with your Morty loan officer for additional support selecting a loan” once they are in the loan tab.

Additional Loan Program Information

Learn more about some specific types of loan offerings that you have access to with the Morty platform.

FHA vs. Conventional

Click below to learn more about these offerings.

Credit Improvement Services

Click below to learn more about this type of offering.

Home Equity Lending

Click below to learn more about this type of offering.

Down Payment Assistance Programs

Click below to learn more about this type of offering.

Temporary Buydown

Click below to learn more about this type of offering.

Non-Qualifying Mortgage Options

Click below to learn more about this type of offering.

Any description of a loan program contained herein should be considered a non-exhaustive summary of the loan program  – please contact your PSM to determine a particular borrower’s eligibility. Information provided does not constitute a commitment to make or broker a loan. All loans are subject to borrower qualifications. Loan approvals are subject to loan program guidelines and lender underwriting, and are subject to change without notice.