About Mortza
Mortza is an AI-first mortgage company for every kind of borrower, with deep expertise for people whose income doesn't fit standard paperwork. We use AI to do the slow, repetitive work behind a mortgage, which keeps our costs lean so we can offer competitive pricing. Licensed loan officers handle everything that requires a license.
Why self-employed borrowers and investors
Millions of borrowers earn real, steady income that standard mortgage paperwork understates: business owners whose tax returns reflect write-offs, contractors paid on 1099s, investors whose properties pay for themselves, and retirees living on assets.
Loans built for them exist (the industry calls them Non-QM loans), but the options are hard to compare and the first conversations are often slow. Mortza is built to make that part faster and clearer.
Why AI makes a mortgage leaner
A traditional mortgage passes through many hands, and every hour of manual paperwork is a cost that ends up in the borrower's loan. Mortza's AI handles much of that work, from organizing your details to matching your file with lender guidelines. That keeps our costs down so we can offer competitive pricing.
What we believe
Plain English beats jargon
Every program page explains how income is calculated and what the tradeoffs are.
Honesty about cost
Loans that skip the tax-return test often cost more than conventional loans, and we say so.
AI should inform, not decide
Credit decisions, pricing and applications belong with licensed professionals and lenders.
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.
Start with your goal
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