Quick Close

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Morty’s Quick Close Advantage

In homebuying, speed matters. Morty’s Quick Close Advantage can expedite the process, helping you close in as few as 14 business days – less than half the national average closing time.

Count on our streamlined program to bring you peace of mind as we support your closing schedule, plus the opportunity to lock in rates sooner and stand out to sellers. Read more to learn about eligibility requirements for Morty’s Quick Close Advantage

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Morty's Expedited Closing Program — Terms and Conditions

Whether you’re about to make an offer or already under contract, the ability to close quickly can help make you a competitive buyer and ensure you meet contingency dates. Morty’s Expedited Closing Program (the “Program”) can help eligible customers close fast.

Eligibility:

In order for Morty to deliver on such a tight timeline, only certain customers and transactions are eligible for the Program at this time. To qualify for the Program, your transaction must satisfy all of the following conditions:

  • Each applicant’s qualifying income must not rely, solely or in part, on self-employment income for purposes of loan qualification.
  • Occupancy Type. The intended occupancy for the subject property must be primary or second home (not an investment home).
  • Residence Type.
    • The subject property must be a single family (detached) home or townhome.
    • New construction homes are not eligible.
    • Farms or other large acre properties are not eligible.
  • Location. The subject property must be located in an area with appraisal turn times that meet the closing date (rural areas can often take longer). If an acceptable appraisal has already been conducted and can be transferred, this rule can be waived at Morty's discretion.
  • Timely Action Required. Within 24 hours of requesting to lock, customer must:
    • Sign relevant disclosures;
    • Sign credit card authorization form to initiate the appraisal order; and
    • Provide title, homeowners insurance, and HOA (if applicable) contacts.
  • Timely Submission. Within 48 hours of requesting to lock, customer must:
    • Upload all required documentation to Morty's Closing Tracker;
  • Loan Type. The loan type must be a conventional loan.
  • Lender Qualification. Based on current lender turn time, lender selection is up to the discretion of the Morty team and certain lenders may not qualify.

Morty’s Expedited Closing not Applicable if:

Additional Disclaimers:

Eligibility for the Program is subject to appraisal turn times by location.

Morty reserves the right to modify or discontinue the Program at any time and without notice. Rates and terms are subject to change at any time without notice and are subject to state restrictions.

Morty is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.