Your best mortgage broker match.
Best mortgage broker match.
Answer a few questions and get matched with NMLS-registered brokers across the United States, ranked by fit — not by who paid the most. Chat securely, share documents privately, and track your loan end to end.
No credit check. No obligation. Your data is never sold.
Verified brokers
Every broker's license is manually verified before they're eligible to match.
Private by default
No document storage. No uploads. Simply receive your broker's checklist and email the required documents directly.
Transparent matching
See exactly why each broker was matched to you — specialty fit, response time, reviews.
How it works
Tell us about your goals
A quick guided questionnaire — buying, refinancing, or renewing. One question at a time.
See your top matches
Ranked brokers with clear reasons why they're a fit for your situation.
Chat and track your progress
Secure in-app chat with your broker and a simple status tracker from start to close. Send documents directly to your broker — Mortvio never stores them.
Join a network where verified brokers win.
Clients come to us pre-qualified with a full affordability profile. You only appear in matches where you actually fit — no wasted leads. After signup you'll complete a short broker checklist, then our team verifies you before you go live.
Verification is manual and typically completes within 2 business days.
- Step 01
NMLS registration & E&O insurance
Provide your NMLS ID and current errors-and-omissions coverage. We check your registration in the NMLS Consumer Access registry manually before you go live.
- Step 02
States & service areas
Pick every state you're authorized to originate in — borrowers only see brokers licensed in the state where the property is located.
- Step 03
Specialties & accepted deals
Declare your price range, employment types (self-employed, contract, etc.), and credit ranges you'll work with.
- Step 04
Bio, response time & languages
A short intro, typical response time, and languages you serve — this is what powers your fit score for every match.
See it in action
Two short walkthroughs: creating your broker account, and using your dashboard day to day.
Mortgage basics
Plain-language guides to the parts of the US mortgage process that matter most — DTI, down payments, and loan programs.
Understanding your DTI ratio
Front-end vs. back-end debt-to-income, why there's no US stress test, and the real limits by loan program.
Read guideHow much down payment do you need?
0% for VA and USDA, 3.5% for FHA, 3–20% for Conventional — plus what PMI, MIP, and funding fees really cost.
Read guideConventional vs. FHA vs. VA vs. USDA
Which loan program fits your credit, income, and property — and how to narrow it down fast.
Read guideBroker vs. going direct to a bank
What an NMLS-registered broker does differently, and how to compare Loan Estimates before you decide.
Read guideFrequently asked questions
Is Mortvio free for home buyers?
Yes. Mortvio is completely free for borrowers. Brokers pay to be part of the network — you never pay us anything to get matched, chat, or track your loan application.
Is Mortvio a lender or a mortgage broker?
Neither. Mortvio is a matching service that connects you with independent, NMLS-registered mortgage loan originators and brokerages. We don't lend money, set rates, or provide mortgage advice ourselves.
Does Mortvio take a commission or referral fee on my loan?
No. Mortvio never takes a percentage of your loan, your rate, or your broker's compensation. Brokers pay a flat platform fee that has nothing to do with whether or how your loan closes — which keeps us clear of RESPA Section 8 referral-fee concerns.
How does Mortvio decide which brokers I'm matched with?
We score brokers against your situation — loan program fit (Conventional, FHA, VA, USDA), experience with similar borrowers, response time, ratings, and current availability — and show you the top matches with a plain-language reason for each. Brokers cannot pay to rank higher.
How are brokers verified?
We manually check every broker's NMLS registration in the Nationwide Multistate Licensing System, confirm the states they're authorized to originate in, and verify their errors-and-omissions coverage before they're eligible to appear in any match. Verification typically completes within two business days.
Do you match me with brokers licensed in my state?
Yes — that's a hard requirement, not a preference. Mortgage origination is licensed state by state, so you'll only ever see brokers authorized to originate loans in the state where the property is located.
Which loan programs do your brokers work with?
Conventional (Fannie Mae/Freddie Mac), FHA, VA, USDA, and jumbo/non-QM depending on the broker. You tell us which program you're considering — or that you're not sure yet — and we weight brokers who actively originate that program.
I'm not sure whether FHA, VA, or Conventional is right for me. Can Mortvio help?
You don't have to decide before getting matched. Choose "not sure yet" in the questionnaire and we'll surface brokers who work across programs, so your first conversation can be about comparing them. Only a licensed originator can advise you on which program fits.
How do you estimate what I can afford?
We run a US-specific affordability estimate using monthly-compounding interest over a 30-year term, plus program-aware debt-to-income limits — roughly 28% front-end / 36% back-end for Conventional, up to 43% for FHA, and around 41% for VA and USDA. We also model PMI, FHA upfront and annual MIP, and VA funding or USDA guarantee fees. It's an informational estimate, not a lending decision.
Do I need to upload my documents to Mortvio?
No. Mortvio does not store or host your documents. Your matched broker sends you a checklist in-app, and you email the required documents to them directly through their own secure channel.
Will getting matched affect my credit score?
No. Getting matched on Mortvio involves no credit pull and no hard inquiry. Your broker will discuss a credit check with you directly if and when it's needed for a pre-approval.
What does a broker see about me before accepting?
Before a broker accepts you as a client they only see general ranges — income band, FICO score band, down payment percentage, loan program, state, and timeline. Your name, contact details, and exact figures are shared only after you select a broker and they accept.
Can I talk to more than one broker before deciding?
Yes. You can chat with several matched brokers to compare answers before committing, then select one to work with on your application.
Can I switch brokers if it's not working out?
Yes. You can revoke a broker's access at any time from your account settings and choose a different match — no penalty, no lock-in.
How do I know a "pre-approved" or "closed" update is real?
Milestones like pre-approval and funding/closing are confirmed by our team directly with you before your status changes, and your broker uploads the pre-approval letter itself to your message thread — so you're never relying on a broker's word alone.
Does Mortvio sell my data?
No. Your data is never sold or brokered as a lead. It's shared only with the specific broker you choose to work with, and only to the extent needed to process your application.
How long does it take to get matched?
The guided questionnaire takes about three minutes, and you'll see your matches immediately afterward.