How to Get a Mortgage Pre-Approval
Getting a pre-approval helps buyers feel confident going into the home buying process and shows sellers that you’re a serious and qualified buyer.
- Affordability
- Services and tools that make buying a home affordable for you.
- Marketplace
- Thousands of home financing options that can fit your needs.
- Expertise
- Expert guidance and a seamless experience along the way.
A seamless process
Find your rate . Instantly find the most competitive deal from over 25 lenders in our network.
Get pre-approved . Complete a simple online application to receive a fast pre-approval, giving you confidence and bargaining power in your home search.
Close with ease . Enjoy a streamlined closing process with digital tools and expert support, making finalizing your mortgage quick and hassle-free
Meet our team
Financing partnerships, the way it should be
How to Calculate Your Mortgage Payment
Mortgage monthly payments are determined by loan amount, principal, interest, term and more. Calculate monthly payment to determine exactly what you can afford.
How to Calculate Your Debt-to-Income Ratio (DTI)
DTI is the proportion of your debt commitments relative to your monthly gross income. Lenders scrutinize this ratio to ensure you’re not burdened with excessive debt.
Let’s Find Your Dream Home
Testimonials
Supporting Homebuyers
“Best lender I've ever had. Very communicative, quick, and easy to get a hold of when you need to. I like that you can see exactly what step everything is on on their site. They seemed to always be on top of their stuff.”
Lindsey S
“I was able to lock in the best rate for my loan and I was cleared to close well ahead of my set closing date. [They] helped me fully understand the terms of the loan and [were] available constantly to answer my questions.”
Nathalie S
“Strongly recommend Morty. Fast service, professional, low rates. I will never shop for a loan elsewhere.”
Phi T
“They offered us the best deal (and I shopped around a lot). Their mortgage calculator tool was easy and useful. Their closing checklist was straightforward and very helpful. Their team was super responsive to all my emails.”
Lara D
“The rates and fees you see in the portal are accurate and do not change. The closing team is super responsive and helpful along with always making sure that we were cleared to close long before the closing date. That provides such a relief, especially in this crazy market!”
Derek and Liza
“They gave me the best rate on my home loan amongst all of the many lenders that I researched. Then they were extremely helpful throughout the process. Everything went smoothly with them from start of application to closing.”
Elizabeth L
Mortgage Rates Today
We search thousands of loan options so you don't have to! Find the most competitive rates here including: 15, 20 and 30-year fixed rates, 10/6, 7/6 and 5/6 ARMs, FHA, Jumbo, low down payment options and more. Create an account to customize your loan options and track daily interest rates.