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Morty has loan officers around the country to ensure you get the best of all worlds: competitive rates, delightful customer experience and local expertise. To get started, create an account.

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Meet Morty's Loan Officers

Bre Abercrombie
Bre Abercrombie
Mortgage Loan Officer
NMLS #2610052
Licensed in:
Melanie Adams
Melanie Adams
Mortgage Loan Officer
NMLS #1174659
Licensed in:
Olubanke Adeshina
Olubanke Adeshina
Mortgage Loan Officer
NMLS #2593899
Licensed in:
, TX
Solomon Agbo
Solomon Agbo
Mortgage Loan Officer
NMLS #2299349
Licensed in:
Oladipo Akanji
Oladipo Akanji
Mortgage Loan Officer
NMLS #2284150
Licensed in:
Christopher Alfano
Christopher Alfano
Mortgage Loan Officer
NMLS #2512210
Licensed in:
Jonathan Allport
Jonathan Allport
Mortgage Loan Officer
NMLS #2603316
Licensed in:
Edward Amos
Edward Amos
Mortgage Loan Officer
NMLS #2327468
Licensed in:
Mark Anderson
Mark Anderson
Mortgage Loan Officer
NMLS #2068383
Licensed in:
Franck Auplan
Franck Auplan
Mortgage Loan Officer
NMLS #2048436
Licensed in:
Mesfin Ayele
Mesfin Ayele
Mortgage Loan Officer
NMLS #2607615
Licensed in:
, MD
, DC
Fern Baedyananda
Fern Baedyananda
Mortgage Loan Officer
NMLS #2531412
Licensed in:
Danielle Bauldree
Danielle Bauldree
Mortgage Loan Officer
NMLS #2396761
Licensed in:
Camilo Bautista
Camilo Bautista
Mortgage Loan Officer
NMLS #2011267
Licensed in:
Padma Bodapati
Padma Bodapati
Mortgage Loan Officer
NMLS #1965873
Licensed in:
, TX
, MD
, FL
Courtney Bogan
Courtney Bogan
Mortgage Loan Officer
NMLS #2424285
Licensed in:
Joel Botero
Joel Botero
Mortgage Loan Officer
NMLS #2484365
Licensed in:
Kiley Brenneman
Kiley Brenneman
Mortgage Loan Officer
NMLS #2555177
Licensed in:
Deven Brown
Deven Brown
Mortgage Loan Officer
NMLS #1310837
Licensed in:
Julie Byrne
Julie Byrne
Mortgage Loan Officer
NMLS #2554759
Licensed in:
Mamadi Camara
Mamadi Camara
Mortgage Loan Officer
NMLS #2278132
Licensed in:
Debra Carter
Debra Carter
Mortgage Loan Officer
NMLS #2355979
Licensed in:
Cesar Castaneda
Cesar Castaneda
Mortgage Loan Officer
NMLS #2510115
Licensed in:
Allan Cayanan
Allan Cayanan
Mortgage Loan Officer
NMLS #2532005
Licensed in:
Basavaiah Cherukuri
Basavaiah Cherukuri
Mortgage Loan Officer
NMLS #2281596
Licensed in:
Manjan Chowdhury
Manjan Chowdhury
Mortgage Loan Officer
NMLS #1172566
Licensed in:
Vlad Cirmati
Vlad Cirmati
Mortgage Loan Officer
NMLS #605784
Licensed in:
Jean-Francois Combe
Jean-Francois Combe
Mortgage Loan Officer
NMLS #2537129
Licensed in:
Orland Copeland
Orland Copeland
Mortgage Loan Officer
NMLS #777478
Licensed in:
Kiana Curtis
Kiana Curtis
Mortgage Loan Officer
NMLS #2153811
Licensed in:
Janco Damas
Janco Damas
Mortgage Loan Officer
NMLS #2507388
Licensed in:
Vlad Demskyy
Vlad Demskyy
Mortgage Loan Officer
NMLS #2600668
Licensed in:
Samba Dieng
Samba Dieng
Mortgage Loan Officer
NMLS #2580746
Licensed in:
, IL
Emrah Dilsizoglu
Emrah Dilsizoglu
Mortgage Loan Officer
NMLS #2563567
Licensed in:
, MD
, DC
Jovica Djurdjevic
Jovica Djurdjevic
Mortgage Loan Officer
NMLS #2576017
Danny Paul Dockins
Danny Paul Dockins
Mortgage Loan Officer
NMLS #2347110
Licensed in:
Sandeep Dopathi
Sandeep Dopathi
Mortgage Loan Officer
NMLS #2580534
Licensed in:
Tabaitha Dorsey
Tabaitha Dorsey
Mortgage Loan Officer
NMLS #110569
Licensed in:
Edgar Escandar
Edgar Escandar
Mortgage Loan Officer
NMLS #311696
Licensed in:
Harry Esses
Harry Esses
Mortgage Loan Officer
NMLS #1853348
Licensed in:
Phillip Estevez
Phillip Estevez
Mortgage Loan Officer
NMLS #2102838
Licensed in:
, NY
, CA
, DE
, FL
, GA
...
Krystal Flemmings
Krystal Flemmings
Mortgage Loan Officer
NMLS #2311152
Licensed in:
, TN
Ellie Fregni
Ellie Fregni
Mortgage Loan Officer
NMLS #2575206
Licensed in:
Nahsiam Friant
Nahsiam Friant
Mortgage Loan Officer
NMLS #2556066
Licensed in:
Josh Frye
Josh Frye
Mortgage Loan Officer
NMLS #2608726
Licensed in:
Carmen Gabriel
Carmen Gabriel
Mortgage Loan Officer
NMLS #2541700
Licensed in:
, CA
Tiffany Garriga
Tiffany Garriga
Mortgage Loan Officer
NMLS #2443719
Licensed in:
Latifa Garrison
Latifa Garrison
Mortgage Loan Officer
NMLS #859979
Licensed in:
Kayle Gaviola
Kayle Gaviola
Mortgage Loan Officer
NMLS #2598910
Licensed in:
Paul Gresh
Paul Gresh
Mortgage Loan Officer
NMLS #2129698
Licensed in:
, FL
Derek Gussaroff
Derek Gussaroff
Mortgage Loan Officer
NMLS #1152020
Licensed in:
, CO
, DE
, FL
, IL
, IN
...
Chenesai Guti
Chenesai Guti
Mortgage Loan Officer
NMLS #2582840
Licensed in:
Anita Hale
Anita Hale
Mortgage Loan Officer
NMLS #1986603
Licensed in:
Mark Hampton
Mark Hampton
Mortgage Loan Officer
NMLS #2596876
Licensed in:
, MI
Joel Harrington
Joel Harrington
Mortgage Loan Officer
NMLS #2568485
Licensed in:
Brandi Harris
Brandi Harris
Mortgage Loan Officer
NMLS #2585747
Licensed in:
, OK
, MD
, AR
Rhonda Hart
Rhonda Hart
Mortgage Loan Officer
NMLS #1879158
Licensed in:
, TX
Masumi Hayakawa
Masumi Hayakawa
Mortgage Loan Officer
NMLS #2480689
Licensed in:
Robert Heck
Robert Heck
Mortgage Loan Officer
NMLS #1581719
Licensed in:
, AR
, CA
, CO
, FL
, GA
...
Keisha Henderson
Keisha Henderson
Mortgage Loan Officer
NMLS #2429689
Licensed in:
Dieter Heren
Dieter Heren
Mortgage Loan Officer
NMLS #2566316
Licensed in:
Meagan Herigstad
Meagan Herigstad
Mortgage Loan Officer
NMLS #1991156
Licensed in:
Ivan Hernandez
Ivan Hernandez
Mortgage Loan Officer
NMLS #982497
Licensed in:
Monroe Holland
Monroe Holland
Mortgage Loan Officer
NMLS #2405627
Licensed in:
, AZ
Jeff Hu
Jeff Hu
Mortgage Loan Officer
NMLS #2475351
Licensed in:
Ana Hudson
Ana Hudson
Mortgage Loan Officer
NMLS #2573562
Licensed in:
, TN
, TX
, FL
Bose Ijaseun
Bose Ijaseun
Mortgage Loan Officer
NMLS #2307815
Licensed in:
Colin Ingalls
Colin Ingalls
Mortgage Loan Officer
NMLS #2432543
Licensed in:
Shante Inniss
Shante Inniss
Mortgage Loan Officer
NMLS #2565433
Licensed in:
Ladan Jamali
Ladan Jamali
Mortgage Loan Officer
NMLS #1811924
Licensed in:
David Jimenez
David Jimenez
Mortgage Loan Officer
NMLS #2563285
Licensed in:
Brandi John
Brandi John
Mortgage Loan Officer
NMLS #1958631
Licensed in:
William Jones
William Jones
Mortgage Loan Officer
NMLS #2368531
Licensed in:
Riha Kalra
Riha Kalra
Mortgage Loan Officer
NMLS #2576354
Licensed in:
Nahide Karabag
Nahide Karabag
Mortgage Loan Officer
NMLS #2526715
Licensed in:
Izabela Kaufman
Izabela Kaufman
Mortgage Loan Officer
NMLS #2533082
Licensed in:
Nezamkhon Khodjaev
Nezamkhon Khodjaev
Mortgage Loan Officer
NMLS #2633860
Licensed in:
David Krause
David Krause
Mortgage Loan Officer
NMLS #2375845
Licensed in:
, OR
, WA
Debi Krichbaum
Debi Krichbaum
Mortgage Loan Officer
NMLS #2559852
Licensed in:
Alan Lam
Alan Lam
Mortgage Loan Officer
NMLS #2490624
Licensed in:
Amber Layman
Amber Layman
Mortgage Loan Officer
NMLS #2508246
Licensed in:
Nico Le
Nico Le
Mortgage Loan Officer
NMLS #2474977
Licensed in:
Jacqueline Leyva-Hill
Jacqueline Leyva-Hill
Mortgage Loan Officer
NMLS #2071292
Licensed in:
Amy Liu
Amy Liu
Mortgage Loan Officer
NMLS #2491970
Licensed in:
Melissa Lucic
Melissa Lucic
Mortgage Loan Officer
NMLS #2530166
Licensed in:
Jenny Ly
Jenny Ly
Mortgage Loan Officer
NMLS #2512925
Licensed in:
Jessie Lynn
Jessie Lynn
Mortgage Loan Officer
NMLS #2518404
Licensed in:
Masood Malik
Masood Malik
Mortgage Loan Officer
NMLS #149098
Licensed in:
Olivia Margarita Beck
Olivia Margarita Beck
Mortgage Loan Officer
NMLS #2107830
Licensed in:
John Mark
John Mark
Mortgage Loan Officer
NMLS #2576959
Licensed in:
Szana Marr
Szana Marr
Mortgage Loan Officer
NMLS #1214330
Licensed in:
, FL
Joseph Martinez
Joseph Martinez
Mortgage Loan Officer
NMLS #1926038
Licensed in:
Kimberlee Mason
Kimberlee Mason
Mortgage Loan Officer
NMLS #1255923
Licensed in:
, CA
Eddy Mcbride
Eddy Mcbride
Mortgage Loan Officer
NMLS #
Art McCoy
Art McCoy
Mortgage Loan Officer
NMLS #2069261
Licensed in:
Brittany McDonald
Brittany McDonald
Mortgage Loan Officer
NMLS #2192147
Licensed in:
Shakeeta McFarlane
Shakeeta McFarlane
Mortgage Loan Officer
NMLS #2060273
Licensed in:
Alisha Melvin
Alisha Melvin
Mortgage Loan Officer
NMLS #2025111
Licensed in:
Kelly Meyer
Kelly Meyer
Mortgage Loan Officer
NMLS #2030436
Licensed in:
Vanessa Morency
Vanessa Morency
Mortgage Loan Officer
NMLS #2517679
Licensed in:
Jessica Moreno
Jessica Moreno
Mortgage Loan Officer
NMLS #2031442
Licensed in:
Karen Mullins
Karen Mullins
Mortgage Loan Officer
NMLS #1517179
Licensed in:
Huy Nguyen
Huy Nguyen
Mortgage Loan Officer
NMLS #2452788
Licensed in:
Awet Ogbazion
Awet Ogbazion
Mortgage Loan Officer
NMLS #2623531
Licensed in:
Friday Ogiamen
Friday Ogiamen
Mortgage Loan Officer
NMLS #2355744
Licensed in:
Tuan Oliva
Tuan Oliva
Mortgage Loan Officer
NMLS #2055416
Licensed in:
Gabriella Oliver
Gabriella Oliver
Mortgage Loan Officer
NMLS #2619562
Licensed in:
Louis Ortiz
Louis Ortiz
Mortgage Loan Officer
NMLS #693349
Licensed in:
Arpit Pandya
Arpit Pandya
Mortgage Loan Officer
NMLS #2282174
Licensed in:
Akruti Patel
Akruti Patel
Mortgage Loan Officer
NMLS #2060236
Licensed in:
Hiral Patel
Hiral Patel
Mortgage Loan Officer
NMLS #2568031
Licensed in:
Lorenzo Pawnell
Lorenzo Pawnell
Mortgage Loan Officer
NMLS #2355706
Licensed in:
Chris Peasley
Chris Peasley
Mortgage Loan Officer
NMLS #2529112
Licensed in:
Enmanuel Pena
Enmanuel Pena
Mortgage Loan Officer
NMLS #2513610
Licensed in:
Jennifer Perez
Jennifer Perez
Mortgage Loan Officer
NMLS #2582770
Licensed in:
Christian Peterson
Christian Peterson
Mortgage Loan Officer
NMLS #2589904
Licensed in:
Lauren Pilon
Lauren Pilon
Mortgage Loan Officer
NMLS #2009361
Licensed in:
, AZ
Yurisan Placencia
Yurisan Placencia
Mortgage Loan Officer
NMLS #2534210
Licensed in:
Katharine Potthast
Katharine Potthast
Mortgage Loan Officer
NMLS #2620922
Licensed in:
, TX
Myles Powell
Myles Powell
Mortgage Loan Officer
NMLS #2550832
Licensed in:
Rashad Pride
Rashad Pride
Mortgage Loan Officer
NMLS #1079432
Licensed in:
Gabriella Purita
Gabriella Purita
Mortgage Loan Officer
NMLS #2232112
Licensed in:
, PA
, NY
, VT
, NJ
Juan Ramirez
Juan Ramirez
Mortgage Loan Officer
NMLS #2550473
Licensed in:
Vaidehi Rathod
Vaidehi Rathod
Mortgage Loan Officer
NMLS #2523290
Licensed in:
Pat Rattan
Pat Rattan
Mortgage Loan Officer
NMLS #2516026
Licensed in:
Antonio Rego
Antonio Rego
Mortgage Loan Officer
NMLS #2549442
Licensed in:
Austin Rice-Osborne
Austin Rice-Osborne
Mortgage Loan Officer
NMLS #1904440
Licensed in:
, WA
Jeffrey Robison
Jeffrey Robison
Mortgage Loan Officer
NMLS #2434601
Licensed in:
, TX
Guillermo Rodriguez
Guillermo Rodriguez
Mortgage Loan Officer
NMLS #2594828
Licensed in:
Justin Rogers
Justin Rogers
Mortgage Loan Officer
NMLS #2515752
Licensed in:
Romain Rose
Romain Rose
Mortgage Loan Officer
NMLS #2287515
Licensed in:
, VA
Robert Rubio
Robert Rubio
Mortgage Loan Officer
NMLS #940964
Licensed in:
Quinton Rushi Brown
Quinton Rushi Brown
Mortgage Loan Officer
NMLS #2526986
Licensed in:
, WA
Derek Sanchez
Derek Sanchez
Mortgage Loan Officer
NMLS #2267234
Licensed in:
Shontara Sarmiento
Shontara Sarmiento
Mortgage Loan Officer
NMLS #2647042
Licensed in:
Alyssa Schultz
Alyssa Schultz
Mortgage Loan Officer
NMLS #2614928
Licensed in:
Alexander Shahin
Alexander Shahin
Mortgage Loan Officer
NMLS #540343
Licensed in:
Marquelon Sigler
Marquelon Sigler
Mortgage Loan Officer
NMLS #2089743
Licensed in:
Mark Skorusa
Mark Skorusa
Mortgage Loan Officer
NMLS #2347622
Licensed in:
Jason Smith
Jason Smith
Mortgage Loan Officer
NMLS #2451732
Licensed in:
Benjamin Smith
Benjamin Smith
Mortgage Loan Officer
NMLS #1972740
Licensed in:
Felicia Sulak
Felicia Sulak
Mortgage Loan Officer
NMLS #2564998
Licensed in:
Nikhil Tamhankar
Nikhil Tamhankar
Mortgage Loan Officer
NMLS #2572939
Licensed in:
Zain Thaver
Zain Thaver
Mortgage Loan Officer
NMLS #2569955
Licensed in:
Michael Thomas
Michael Thomas
Mortgage Loan Officer
NMLS #624987
Licensed in:
CJ Tirella
CJ Tirella
Mortgage Loan Officer
NMLS #2580622
Licensed in:
Rex Tucker
Rex Tucker
Mortgage Loan Officer
NMLS #2611758
Licensed in:
Kevin VanConant
Kevin VanConant
Mortgage Loan Officer
NMLS #2097685
Licensed in:
Md Wali Ullah
Md Wali Ullah
Mortgage Loan Officer
NMLS #2519090
Licensed in:
Robin Walker
Robin Walker
Mortgage Loan Officer
NMLS #2244109
Licensed in:
, VA
Jingyu Wang
Jingyu Wang
Mortgage Loan Officer
NMLS #2547714
Licensed in:
Wen Bo Wang
Wen Bo Wang
Mortgage Loan Officer
NMLS #2571528
Licensed in:
Shekkeda Washington
Shekkeda Washington
Mortgage Loan Officer
NMLS #2309813
Licensed in:
Shekedda Washington
Shekedda Washington
Mortgage Loan Officer
NMLS #2309813
Licensed in:
Francis Weah
Francis Weah
Mortgage Loan Officer
NMLS #781476
Licensed in:
, UT
Theresa Williams
Theresa Williams
Mortgage Loan Officer
NMLS #1072855
Licensed in:
Chandra Winford
Chandra Winford
Mortgage Loan Officer
NMLS #1756543
Licensed in:
, FL
Paul Wolfe
Paul Wolfe
Mortgage Loan Officer
NMLS #2578563
Licensed in:
Mimi Wordlaw
Mimi Wordlaw
Mortgage Loan Officer
NMLS #2491108
Licensed in:
Ashley Worley
Ashley Worley
Mortgage Loan Officer
NMLS #2524260
Licensed in:
Anesha Wright
Anesha Wright
Mortgage Loan Officer
NMLS #2508826
Licensed in:
Adam Xu
Adam Xu
Mortgage Loan Officer
NMLS #2522805
Licensed in:
Max Yates
Max Yates
Mortgage Loan Officer
NMLS #134265
Licensed in:
, GA
Tia Yeo
Tia Yeo
Mortgage Loan Officer
NMLS #1993952
Licensed in:
Adel Zahedi
Adel Zahedi
Mortgage Loan Officer
NMLS #2570822
Licensed in:
Yunus Zengin
Yunus Zengin
Mortgage Loan Officer
NMLS #2641904
Licensed in:
William Zhang
William Zhang
Mortgage Loan Officer
NMLS #2591382
Julia Zhao-Trostle
Julia Zhao-Trostle
Mortgage Loan Officer
NMLS #1540200
Licensed in:
, WA
Greg Zigon
Greg Zigon
Mortgage Loan Officer
NMLS #2627815
Licensed in:

What are the different types of mortgages?

When it’s time to choose your loan, one of the most important choices you’ll make is how your mortgage rate is structured. Your rate tells you how much you’ll pay in interest each year on your mortgage. While the differences may feel small, even a tenth of a point can amount to thousands of dollars over the life of your loan.

Rates are typically structured as "fixed or "adjustable." Most – but not all – loan options offer this choice, so it’s important to be aware of your options.

Fixed-rate mortgages

A mortgage with a set interest rate that never changes throughout the life of your loan. Most fixed-rate mortgages have 30-year and 15-year repayment terms. These loans offer buyers a level of consistency that many others do not.

Best for homebuyers who...
want a predictable, lower monthly payment amount that remains for the life of the loan.

Adjustable-rate mortgages (ARMs)

ARMs can be a good option to get a lower upfront rate than a fixed-rate mortgage. After the fixed period, the interest rate on an ARM becomes variable and changes at regular intervals to reflect the most current market conditions.

Best for homebuyers who...
don’t intend to own the property longer than the fixed period, and/or who expect interest rates to decline in the future.

More: The ABCs of ARMs →

Conventional Loans

A conventional loan includes any mortgage type that’s not part of a specific government program such as the FHA, VA or USDA (more on these government-backed loans below). While more cost-effective than other loan options for those who qualify, a conventional loan typically requires that borrowers have a credit score of at least 620, along with a minimum down payment amount.

Government Program Loans

These programs are consstructed for specific groups of people who fit certain criteria, such as veterans or buyers with lower credit scores.

More: Low Down Payment Options? →

FHA
  • Credit scores as low as 500
  • Down payments as low as 3.5%
  • Requires mortgage insurance for the life of the loan

Best for homebuyers who...
have lower credit scores or are not able to make a 20% down payment.

More: Everything you need to know about FHA loans →

USDA
  • Restricted to rural locations
  • Income and property value caps
  • Require no down payment
  • Available for home improvement loans as well

Best for homebuyers who...
live in qualifying rural areas seeking a loan without a down payment.

More: Who qualifies for a USDA loan? →

VA
  • Available to military service members and veterans
  • Requires no down payment and no mortgage insurance
  • Requires a VA funding fee based on the value of the property

Best for homebuyers who...
are qualified military service members looking for lower interest rates or mortgage loans with no down payment.

More: Eligibility requirements for a VA loan →

Non-conforming loan options and investment properties

Mortgage amounts higher than $647,200 (in most areas) are considered "non-conforming, per guidelines laid out by Fannie Mae and Freddie Mac, and will require a jumbo loan. With an investment home, you’ll likely need to put up a larger down payment since mortgage insurance isn’t an option here.

Jumbo
  • Loan limits set annually by the Federal Housing Financing Agency (FHFA).
  • The conforming loan limit is $647,200 in most areas for 2022.
  • The limit is higher in certain parts of the country; check your location using the FHFA loan limit map.

Best for homebuyers who...
are looking to purchase a more expensive property that doesn’t conform to the FHFA’s loan limit.

More: What is a jumbo loan? →

Investment properties
  • An investment property can be a home you plan to improve and sell.
  • It could also be a property you intend to rent out, or a home in an area where you expect values will rise.
  • Financing requirements are typically more stringent than those of a primary residence

Best for homebuyers who...
are purchasing a property for the purposes of generating income, rather than a primary residence home purchase.

More: Vacation homes and investment properties →

Find a loan officer in your state.

Morty has loan officers across the country. Find one with local expertise near you.

Morty is an online mortgage broker. We offer an extensive range of loan options through our marketplace of lenders. Our innovate technology finds the lowest priced rate offered for each person from thousands of home loans across our network which includes: 15-yr, 20-yr and 30-yr fixed rate loans, 10/6, 7/6 and 5/6 ARMs as well as low down payment and government-backed loans.

Interested in becoming a mortgage loan officer?

Join Morty! We are always looking to bring on enthusiastic loan officers! If you're new to mortgage, or looking to add new states to your MLO license, check out our state-by-state mortgage licensing guides or quick link to specific state licensing requirements below.

Editorial Disclaimer:
All content on this page is intended to be strictly educational, unbiased information for potential homebuyers. Every financial situation is unique, and we do not offer financial advice. We recommend individuals perform their own due diligence and research when choosing a lender or making any major financial decision. To the best of our knowledge, all content is accurate as of the date posted, though commentary related to the market is always subject to change. The opinions expressed are the author’s alone.