How Mortza works
Mortza pairs AI with licensed loan officers. The AI matches you with loans that fit, explains them and prepares your file. A loan officer licensed in your property's state confirms what you qualify for and guides you to closing. Because the AI handles the busywork, our costs stay lean, so we can offer competitive pricing.
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 the AI anything. About 60 seconds, no credit check.
- 2
See your matches
The AI compares the loans that fit your situation and explains each one.
- 3
Get confirmed and close
A licensed loan officer reviews your file, confirms your options and pricing, and guides you through the application.
How AI keeps costs down
Much of the cost of a traditional mortgage is people doing repetitive work by hand: collecting and sorting documents, checking a file against lender guidelines and following up on missing items. Mortza's AI does much of that work, so your loan officer spends less time on paperwork and more time on you.
Lower operating costs let us offer competitive pricing. Your loan officer confirms your actual rate and fees, and every cost appears on your Loan Estimate so you can compare before you commit.
AI for speed. People for decisions.
The AI guide does the explaining and organizing. A licensed loan officer handles everything that requires a license.
What the AI guide does
- Explains which home loans may fit you and how each one calculates income or qualifies a property.
- Asks follow-up questions about your property, income type, credit range, down payment and timing.
- Shows which programs may fit and the tradeoffs of each, in plain English.
- Prepares a written summary of your scenario so you don't have to repeat yourself.
What the AI guide doesn't do
- It doesn't approve loans, make credit decisions, or guarantee eligibility.
- It doesn't quote interest rates, fees or loan terms. Those come from a licensed loan officer and the lender.
- It doesn't take loan applications or collect Social Security numbers, account numbers or documents.
What the licensed loan officer does
When you choose to share your contact details, your scenario summary goes to one loan officer licensed in the state where the property is located. That loan officer reviews your situation, confirms which programs you're eligible for, provides pricing, and guides you through the application and required disclosures, including the Loan Estimate.
Your information
You decide whether to share contact details, and you can opt out of calls and texts at any time. Read the privacy notice and how our AI works for details.
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
Rather ask first?