The first self-driving mortgage
Tell us your goals. Our AI finds the loans that fit, and a licensed loan officer confirms the details.
A smarter, leaner way to get a mortgage.
Traditional lenders pay people to shuffle paperwork, chase documents and match files to guidelines by hand. Our AI does that work in minutes, so a licensed loan officer can spend their time on you instead.
Built to cost less
AI handles the hours of busywork behind every loan. That keeps our costs lean, so we can offer competitive pricing. Every fee is on your Loan Estimate, so you can compare before you commit.
The right loan for your goal
Tell us what you want to do and we'll match the loans that fit, from conventional, FHA, VA and USDA to jumbo and self-employed options, and explain the tradeoffs in plain terms.
A real expert on your side
A licensed loan officer reviews your file, confirms what you qualify for and guides you all the way to closing. AI speeds things up. People make the decisions.
Find the right home loan for your situation
Most people don't start out knowing whether FHA or conventional is the better fit, and they shouldn't have to. Pick what sounds like you, or answer a few questions and we'll match the loans for you.
From question to closing in three steps
No pressure and no credit check to see your options. You decide when to talk to a loan officer.
- 1
Tell us your goal
Answer a few quick questions or ask our AI anything. It takes about 60 seconds.
- 2
See your matches
Our AI compares the loans that fit your situation and explains each one, including what it will ask of you.
- 3
Get confirmed and close
A licensed loan officer reviews your file, confirms your options and pricing, and guides you to closing.
Home loans for every kind of borrower
Most lenders sell you the loans they happen to offer. Mortza compares the options that fit your situation instead. And if your income doesn't fit standard paperwork, that's our specialty.
Conventional home loans
The most common mortgage, for buyers and homeowners with W-2 or easy-to-document income.
- Low down payment options for qualifying buyers
- Higher loan limits in high-cost counties
- Jumbo loans for higher-priced homes
- Refinance or cash out
FHA, VA & USDA loans
Government-backed loans with flexible qualifying for eligible buyers.
- FHA: low down payment with eligible credit
- VA: built for eligible veterans and service members
- USDA: for eligible buyers in qualifying rural areas
Our specialtySelf-employed & investor loans
Our specialty. Qualify without tax returns, using bank statements, rental income or savings.
- Business owners and 1099 contractors
- Rental and investment properties
- Retirees qualifying on savings
- Foreign buyers and ITIN borrowers
Know your options before you apply
Straight answers on how each loan works, what it costs and what to bring, so you walk in prepared. All guides
See what you could qualify for.
It takes about 60 seconds. No credit check, no cost and no obligation. A licensed loan officer follows up with your options.
Common questions
How do I know which home loan is right for me?
Start with your goal, not a loan type. Answer a few questions or describe your situation to Mortza's AI, and it matches you with the loans that may fit, such as conventional, FHA, VA or a loan for self-employed borrowers, and explains why. A licensed loan officer then confirms what you qualify for.
How does Mortza use AI to keep costs down?
Much of the cost of making a mortgage comes from people doing repetitive work: collecting and sorting documents, matching a file to lender guidelines and following up. Mortza's AI handles much of that work, which keeps our operation lean so we can offer competitive pricing. Your loan officer confirms your actual rate and fees, and every cost appears on your Loan Estimate so you can compare offers before you commit.
What kinds of home loans can Mortza help with?
Mortza helps with buying a home, refinancing and taking cash out of your home. That includes conventional loans, low down payment options for first-time buyers, FHA, VA and USDA loans, jumbo loans, and loans for self-employed borrowers and real estate investors who qualify with bank statements, rental income or savings instead of tax returns.
I'm self-employed. Can I get a mortgage without tax returns?
Possibly. Some loans calculate your income from 12 or 24 months of bank statements, a profit and loss statement, or 1099s instead of tax returns. These are often called Non-QM loans. They usually cost more than a conventional loan, so a licensed loan officer can compare both paths for you.
What is a Non-QM loan?
A Non-QM loan is a mortgage that doesn't meet the Consumer Financial Protection Bureau's Qualified Mortgage definition. It lets lenders verify your ability to repay with alternative documents such as bank statements, a profit-and-loss statement, assets or a rental property's income, instead of relying only on tax returns and W-2s.
Is Mortza a lender?
No. Mortza is an AI mortgage guide that helps you understand your loan options and then connects you with a loan officer licensed in your property's state. The loan officer and the lender confirm eligibility, rates and terms. Mortza's AI does not approve loans or quote rates.
Do loans that skip tax returns cost more?
Usually, yes. Because the documentation is different and the loans aren't sold to Fannie Mae or Freddie Mac, these Non-QM loan rates are commonly higher than conventional rates, and some programs, especially investor loans, can include prepayment penalties. Comparing Loan Estimates side by side shows the real cost.
What should I avoid sharing with the AI guide?
Don't share your Social Security number, bank or card account numbers, passwords, or documents in the chat. The guide only needs a general picture of your income, property and goals. A licensed loan officer will collect anything sensitive through a secure, authorized process.