Franchise Directory

Great Western Insurance Company entered the American insurance marketplace in 1983, founded by John E. Lindquist, the owner of Lindquist Mortuaries and Cemeteries, a five-generation family business headquartered in Ogden, Utah. Lindquist's founding thesis was straightforward and grounded in firsthand industry experience: families needed a reliable, inflation-protected financial mechanism to cover the inevitable costs of end-of-life arrangements without burdening survivors with unexpected expenses. That founding insight gave birth to a niche carrier that would grow over the following three decades into one of the few life insurance companies in the United States specializing in pre-need life insurance policies, a category that remains structurally distinct from traditional term or whole life products. The company built its operational base at 3434 Washington Boulevard, Suite 300, Ogden, UT 84401, and expanded its licensing footprint to 46 states plus the District of Columbia, covering nearly the entire contiguous United States market. In 2018, Great Western Insurance Company was acquired by American Enterprise Group, a financial services holding company that was subsequently rebranded as Wellabe Insurance Group, a parent entity with nearly 100 years of combined service history in the insurance industry and more than 2.4 billion dollars in assets as of March 31, 2019. At the time of acquisition in 2018, Great Western Insurance Company itself carried approximately 1.2 billion dollars in assets and was generating an estimated 200 million dollars in annual premium billings, with a workforce of 121 employees. The company's motto, "To help you and your family prepare for the difficult moments in your lives," encapsulates a consumer value proposition centered on financial preparedness, emotional certainty, and elimination of ambiguity during family grief. Investors researching the Great Western Insurance Compan franchise opportunity should understand from the outset that this is an authoritative, data-grounded analysis produced independently by PeerSense, not a promotional brochure from the company or its agents. The profile that follows draws on all available public data, regulatory filings, and industry benchmarks to give serious investors the clearest possible picture of what this brand represents in the market today. The insurance industry category in which Great Western Insurance Company operates sits at the intersection of aging demographics, funeral pre-planning trends, and final expense financial planning, a space that is structurally supported by one of the most durable demographic tailwinds in the American economy. The pre-need funeral insurance and final expense insurance markets are driven primarily by the aging of the Baby Boomer generation, with approximately 10,000 Americans turning 65 every day, a trend that will persist well into the 2030s. Final expense life insurance policies, sometimes called burial insurance or funeral insurance, are whole life products with smaller face values designed to cover costs including funeral home services, burial plots, caskets, cremation fees, headstones, memorial services, medical bills, and modest residual debts. The broader loan brokers and financial services category to which this franchise profile is administratively assigned had a global market size valued at 251 billion dollars in 2021, projected to reach 1.06 trillion dollars by 2031, growing at a compound annual growth rate of 15.7 percent from 2022 to 2031. Within the United States specifically, the mortgage and loan brokers market was valued at 7.62 billion dollars in 2025, expected to grow to 7.96 billion dollars in 2026, and projected to reach 9.88 billion dollars by 2031 at a 4.42 percent compound annual growth rate over the 2026 through 2031 period. The secular tailwind supporting Great Western Insurance Company's core product lines, pre-need funeral contracts, is not cyclical in the way that mortgage origination volume is tied to interest rate movements. Demand for final expense and pre-need insurance is fundamentally non-discretionary over a lifetime horizon, meaning the addressable market grows predictably with population aging rather than contracting in response to monetary policy shifts. Competitive dynamics in the pre-need insurance carrier space remain relatively concentrated, with a small number of specialized carriers holding the majority of market share, creating a meaningful barrier to entry for new competitors seeking to build the actuarial reserve base, regulatory licensing infrastructure, and funeral home distribution relationships that incumbents like Great Western have spent decades assembling. Any investor evaluating the Great Western Insurance Compan franchise investment must confront an important structural reality that differentiates this opportunity from traditional consumer-facing franchise models. Great Western Insurance Company does not operate as a franchisor in the conventional franchise sense, and consequently the standard investment framework of initial franchise fees, royalty percentages, and advertising fund contributions does not apply to this brand in the way it applies to, for example, a food service or retail franchise. For context, the insurance agency franchise category in general carries initial franchise fees typically ranging from 25,000 to 50,000 dollars, ongoing royalty obligations from 5 to 7 percent of monthly revenue, and advertising fees from 1 to 3 percent of revenue. The broader franchise universe across all categories carries average initial franchise fees of 20,000 to 50,000 dollars, royalty rates of 4 to 8 percent of gross sales for most sectors and 8 to 12 percent for certain professional services categories, and advertising funds of 1 to 4 percent of net sales. Great Western Insurance Company's distribution model instead relies on independent agents and funeral home partnerships rather than franchised owner-operators, which fundamentally changes the risk and return calculus for anyone approaching this brand from a franchise investment perspective. The company's parent, Wellabe Insurance Group, holds more than 2.4 billion dollars in consolidated assets, providing substantial corporate backing and financial stability for the brand's ongoing operations and policy obligations. For investors accustomed to traditional franchise structures, the absence of standardized investment tiers, build-out costs, and per-unit economics means that the conventional total-investment-range analysis, which can span from under 100,000 dollars for a service-based franchise to over 2 million dollars for a full-service restaurant concept, does not translate directly to this opportunity. The AM Best financial strength rating upgrade to A from A-minus in early 2022 is a meaningful data point for any investor conducting due diligence, as it signals that the company's capital reserves and solvency ratios satisfy rigorous independent actuarial review standards. The PeerSense FPI Score for the Great Western Insurance Compan franchise is currently 43, which falls in the Fair category, and prospective investors should weigh this score alongside all other available data when forming an investment thesis. Understanding how Great Western Insurance Company actually operates on a day-to-day basis is essential for any investor evaluating the Great Western Insurance Compan franchise opportunity, and the operating model here diverges significantly from owner-operator retail or service franchises. The company distributes its products through a network of independent agents and funeral home partners rather than through company-staffed storefronts, meaning the operational infrastructure is asset-light at the distribution layer while capital-intensive at the carrier and reserve management level. Great Western provides tools and continuous field training for its agents, including license preparation support and product knowledge education, alongside exceptional service and superior marketing support to funeral home owners and pre-need sales organizations that partner with the brand. The product portfolio historically included the Voyage Plan, a pre-need whole life product that guarantees beneficiaries either an increasing death benefit over time or a return of all premiums paid, whichever is higher, as well as additional pre-need plans marketed under the Course and Destination names. On the final expense side, the Guaranteed Assurance Plan served ages 40 to 80 with guaranteed issue coverage requiring no medical underwriting, face amounts from 5,000 to 25,000 dollars, level premiums guaranteed never to increase, and a provision returning 110 percent of premiums paid upon non-accidental death within the first two policy years. The Assurance Plus Plan targeted healthier applicants willing to answer three health questions, offering a 25 percent death benefit increase without additional medical examination and including an Accelerated Death Benefit rider at no additional cost, along with an optional Dependent Child and Grandchild rider for one dollar per month providing a 2,500 dollar benefit upon first death of a covered dependent. In 2024, parent company Wellabe made a significant strategic pivot, discontinuing Great Western's final expense options and ending new sales of traditional life insurance and annuities for seniors, redirecting corporate focus toward health insurance and Medicare supplement products, with Great Western now primarily underwriting, approving, and managing pre-need funeral agreement policies while continuing to administer existing life insurance and annuity accounts. This operational shift meaningfully narrows the product scope of the brand going forward and represents a material consideration for anyone evaluating current and future revenue potential. Item 19 financial performance data is not disclosed in the current Franchise Disclosure Document for the Great Western Insurance Compan franchise, which limits the direct unit-level earnings analysis that franchise investors typically use to model payback periods and return on investment. In the absence of Item 19 disclosure, investors must rely on company-level financial data, industry benchmarks, and structural analysis to estimate potential financial performance. At the company level, the most reliable public data point is the 2018 figure of approximately 200 million dollars in annual premium billings, representing the revenue scale Great Western had achieved across its licensed 46-state footprint before the Wellabe acquisition. With 1.2 billion dollars in assets at acquisition and a parent company carrying 2.4 billion dollars in total assets, the financial foundation of the carrier itself is substantive by small-to-mid-market insurance company standards. The 2022 AM Best upgrade to an A financial strength rating confirms that the company's capital adequacy and operating performance met the threshold for investment-grade carrier status, a designation that matters considerably in the pre-need insurance market where state regulators and funeral home partners scrutinize carrier financial strength before entering distribution agreements. For context within the broader insurance distribution landscape, independent insurance agents typically earn commissions ranging from 5 to 15 percent of premium written depending on the product type, while pre-need insurance agents often operate under commission structures that front-load compensation given the long-tail nature of the underlying policies. The decision by Wellabe in 2024 to exit final expense and traditional life insurance distribution lines represents a meaningful revenue concentration risk for the Great Western brand going forward, as pre-need funeral policies alone constitute a narrower total addressable market than the combined pre-need and final expense universe the company previously served. Investors should model scenarios that account for this product contraction when projecting future premium billing volumes relative to the 200 million dollar historical baseline established in 2018. The growth trajectory of Great Western Insurance Company reflects a brand that achieved substantial scale over its first 35 years of operation before entering a period of strategic consolidation and product rationalization under Wellabe's ownership. The 2018 acquisition by American Enterprise Group, which became Wellabe, represented the most significant corporate development in the company's history, bringing a 1.2 billion dollar asset base under the umbrella of a larger financial services holding company with nearly a century of institutional insurance experience. Wellabe's subsequent decision to upgrade the AM Best rating context, with the actual upgrade occurring in early 2022, demonstrates that the post-acquisition integration period produced measurable improvements in financial strength metrics rather than deterioration, a positive signal for the brand's institutional stability. The company has invested in technology and operational efficiency as part of its growth strategy, with specific focus on enhancing customer experience and expediting claims processing, which aligns with broader insurance industry digital transformation trends. In the mortgage and loan brokers category context, AI and eClose tools across the industry are growing at a 4.90 percent compound annual growth rate, and online digital-first models are projected to expand at the same 4.90 percent rate through 2031, suggesting that technology investment is a competitive necessity rather than an optional enhancement. The 2024 strategic pivot to focus exclusively on pre-need funeral policies and health insurance through the Wellabe platform represents a deliberate concentration of resources rather than an abandonment of market position, though it does reduce the product diversification that previously characterized Great Western's revenue base. From a competitive moat perspective, Great Western's licensing infrastructure across 46 states and the District of Columbia, its three-decade network of funeral home distribution relationships, and its A-rated AM Best standing together constitute barriers to competitive displacement that a new entrant would require substantial capital and time to replicate. The company's founding DNA, rooted in Lindquist Mortuaries and Cemeteries, gives it an authenticity and industry credibility within the funeral profession that purely financial entrants to the pre-need market cannot easily manufacture. The ideal candidate for a Great Western Insurance Compan franchise opportunity, or more precisely for a distribution partnership with the Great Western platform, is an individual with demonstrated experience in insurance sales, financial services, or the funeral profession who understands the specific emotional and regulatory dynamics of the pre-need and final expense markets. Unlike consumer-facing retail franchises where general management experience and capital adequacy are the primary qualifiers, the Great Western distribution model rewards agents and partners who possess existing relationships within the funeral home ecosystem, hold the appropriate state insurance licenses across their target market, and are comfortable with the long-cycle, trust-intensive sales process that characterizes pre-need insurance. The company's licensure across 46 states and the District of Columbia means that geographic territory availability is broad, though market saturation and existing agent density will vary considerably by region. The shift in 2024 toward pre-need funeral policies as the core product focus means that prospective partners who specifically have funeral home relationships or funeral industry experience are now more strategically aligned with the brand's current direction than generalist insurance agents who previously leveraged the final expense product lines. Multi-unit or multi-territory expansion is conceptually accessible given the agent-based distribution model, which does not require physical storefronts or significant fixed capital commitments at each new territory entry point. John Lindquist served as CEO and Chairman of the Board at the time of the 2018 acquisition, and understanding the leadership continuity and cultural direction under Wellabe's stewardship is an important due diligence question for any partner evaluating a long-term relationship with the brand. For franchise investors and distribution partners conducting serious due diligence on the Great Western Insurance Compan franchise, the investment thesis rests on a foundation of institutional credibility, demographic tailwinds, and a narrowing but defensible product niche. The pre-need funeral insurance market is structurally non-cyclical, supported by an aging American population of which approximately 10,000 individuals turn 65 daily, and served by a company with 1.2 billion dollars in assets, a 200 million dollar annual premium billing history, 46-state licensure, and an A-rated AM Best financial strength designation achieved in 2022. The PeerSense FPI Score of 43, classified as Fair, reflects the informational constraints inherent in evaluating a brand that does not operate through a traditional franchise disclosure framework, and investors should treat this score as a starting point for deeper independent analysis rather than a terminal judgment. The 2024 product rationalization under Wellabe introduces strategic concentration risk that must be evaluated against the offsetting benefit of operating under a better-capitalized parent with nearly 100 years of insurance industry experience and over 2.4 billion dollars in consolidated assets. PeerSense provides exclusive due diligence data including SBA lending history, FPI scores, location maps with Google ratings, FDD financial data, and side-by-side comparison tools that allow investors to benchmark the Great Western Insurance Compan franchise opportunity against hundreds of competing concepts across the insurance and financial services distribution landscape. The absence of Item 19 financial performance disclosure in the current FDD underscores the importance of using every available independent data source to construct a credible return model before committing capital or career energy to any distribution arrangement. Explore the complete Great Western Insurance Compan franchise profile on PeerSense to access the full suite of independent franchise intelligence data and make the most informed decision possible about this opportunity.

Motto Mortgage

Mortgage

59

Moderate

When serious franchise investors ask whether the mortgage brokerage space represents a durable, defensible business opportunity, they are really asking a more precise question: does one specific brand have the structural advantages, corporate backing, and market positioning to justify a capital commitment in a cyclical, rate-sensitive industry? Motto Mortgage, launched on October 25, 2016, by RE/MAX CEO, Chairman, and Co-Founder Dave Liniger, was designed from its first day to answer that question with a resounding yes. As the first and only national mortgage brokerage franchise in the United States, Motto Mortgage was conceived not as a standalone brand but as a strategic complement to RE/MAX's existing real estate ecosystem — giving RE/MAX broker-owners and independent entrepreneurs alike a turnkey way to capture the mortgage origination revenue that would otherwise flow to banks and independent lenders. The company is headquartered in Denver, Colorado, and operates as the second brand in the RE/MAX Holdings, Inc. portfolio, positioning it with institutional support, regulatory infrastructure, and national brand recognition that purely independent mortgage brokerages cannot replicate. Ward Morrison, who had served eleven years as Vice President of Region Operations and Business Opportunities at RE/MAX, LLC, was named President of Motto Mortgage at its launch — a leadership selection that signaled the brand's intent to leverage the RE/MAX distribution network from day one. Since opening its doors to franchising in 2016, Motto Mortgage has sold more than 350 franchise units, opened offices across more than 40 U.S. states, and reached a milestone of 250 franchise sales by May 2021. The brand operates exclusively within the United States, consistent with its identity as the nation's first nationally franchised mortgage brokerage concept. For franchise investors evaluating this opportunity, the fundamental value proposition is clear: Motto Mortgage occupies a category it invented, operates under a publicly traded parent company, and targets one of the most consequential financial transactions in the average American's life. The U.S. mortgage origination market is one of the largest consumer financial service segments in the economy, with total origination volume fluctuating between roughly $1.6 trillion and $4.4 trillion annually depending on interest rate cycles. The mortgage brokerage channel specifically — the segment Motto Mortgage serves — has grown its market share in recent years as borrowers seek independent guidance rather than captive bank loan officers, with independent brokers controlling an estimated 20 to 25 percent of origination volume and that share trending upward. Three powerful secular tailwinds drive demand for mortgage brokerage services: the continued formation of new households among millennials and Gen Z buyers entering peak home-buying years, the persistent U.S. housing undersupply relative to demographic demand, and growing consumer preference for advice-driven, technology-assisted loan shopping rather than single-lender applications. The refinance cycle, while interest-rate sensitive, adds an additional layer of recurring revenue opportunity for established local mortgage offices when rates move favorably. From a franchise investment perspective, the mortgage brokerage category is significantly fragmented — the vast majority of independent brokerages are single-operator businesses with no brand, no technology infrastructure, and no compliance support network — which means a franchised model with institutional backing has a structural advantage in recruiting loan officers, building consumer trust, and navigating the complex regulatory environment governing mortgage origination under RESPA, TILA, and state-level licensing requirements. The competitive landscape for franchised mortgage brokerages is, by definition, uncrowded: Motto Mortgage pioneered the category and, as of the time of this analysis, continues to hold the distinction of being the only national franchise brand operating in this space. That category scarcity is a meaningful competitive moat for investors evaluating differentiated franchise opportunities. The Motto Mortgage franchise investment begins with an initial franchise fee of $35,000, which is competitive when evaluated against other professional services franchises in the financial category, where initial fees commonly range from $25,000 to $75,000. Importantly, Motto Mortgage offers a discounted initial franchise fee of $15,000 — a savings of $20,000 — for entrepreneurs who purchase a RE/MAX franchise concurrently with a Motto Mortgage franchise, reflecting the brand's deliberate co-location strategy with real estate offices. Total estimated initial investment, based on detailed Item 7 FDD data, runs from $60,500 to $89,550, a range driven by variability in real estate costs (three months' rent is estimated at $3,000 to $6,000), office improvements ($1,000 to $4,000), computer systems and telephony ($2,000 to $4,000), professional and licensing fees ($2,500 to $5,000 for licenses and permits alone), and operating capital reserves ($10,000 to $20,000 budgeted for four months of operating expenses). Signage, education expenses, insurance, furniture, and opening supplies account for an additional $4,500 to $10,750 in estimated startup costs. The $60,500 to $89,550 investment range positions the Motto Mortgage franchise opportunity as one of the more capital-accessible brick-and-mortar franchise concepts on the market — a reflection of the brokerage model's inherently low physical infrastructure requirements, since Motto franchisees do not fund loans from their own balance sheet but rather connect borrowers with a curated wholesale lender network. Royalty fees for Motto Mortgage franchisees are structured on a per-file basis rather than as a percentage of gross revenue, a model that provides cost predictability for franchisees in slower origination months. The brand's parent company, RE/MAX Holdings, Inc., is publicly traded on the New York Stock Exchange under the ticker RMAX, providing franchisees with the institutional stability and regulatory transparency associated with a publicly accountable parent. Prospective franchisees should explore SBA loan eligibility and any veteran incentive programs available through RE/MAX Holdings' franchise development channels, as the sub-$100,000 total investment threshold often qualifies for SBA 7(a) financing with appropriate documentation. Daily operations at a Motto Mortgage franchise center on the activities of licensed mortgage loan originators who access a wholesale lender network to shop rates, structure loans, and guide borrowers through the application-to-close process. Franchisees are not required to have a prior mortgage background at the point of signing — the brand's training program is designed to prepare owner-operators for both the business management and regulatory compliance demands of running a licensed mortgage brokerage. The operational model is deliberately lean: the low-overhead office format, with rent budgeted at $3,000 to $6,000 for the first three months, is designed to integrate with or co-locate alongside existing RE/MAX real estate offices, minimizing fixed cost drag during the ramp-up period. Motto Mortgage provides franchisees with access to wemlo, a proprietary loan processing technology platform developed as a subsidiary under RE/MAX Holdings, which handles loan file management and processing support — a technology investment that meaningfully reduces the back-office burden on individual franchise locations and allows loan originators to focus on production rather than administration. Training for new Motto Mortgage franchisees covers compliance, lender relationships, technology systems, marketing, and business development, with RE/MAX Holdings' institutional infrastructure providing ongoing regulatory guidance in a compliance environment that is more demanding than nearly any other franchise category. Franchisee support includes field consultation, marketing programs, and access to the national RE/MAX network — a referral ecosystem encompassing thousands of real estate agents whose transactions generate natural mortgage lead flow. Territory structure is built around the co-location and referral-partnership model, and franchisees benefit from the exclusivity of operating within a brand that has no direct franchise competition at the national level. The owner-operator model is standard for this concept, given the licensing requirements associated with mortgage origination, though multi-unit and multi-location growth is achievable as a franchisee scales their loan originator team. Item 19 financial performance data is not disclosed in the current Franchise Disclosure Document for Motto Mortgage, which means prospective investors must conduct independent due diligence on unit-level revenue expectations rather than relying on franchisor-provided income projections. This absence of Item 19 disclosure is not uncommon among franchise brands in professional services and financial services categories, where revenue variability across markets and operator experience levels can be wide. What public data does reveal is instructive: RE/MAX Holdings, as a publicly traded company filing with the SEC under ticker RMAX, provides aggregate performance data on its Motto Mortgage segment, including unit count milestones and franchisee growth trajectory. The brand sold its 250th franchise by May 2021, its 300th by January 2022, and reached more than 350 franchises sold by February 2023, demonstrating that franchisee demand for the concept has been sustained across multiple interest rate environments. Industry benchmarks for independent mortgage brokerage operations suggest that an active loan originator in a moderately sized market can originate between 3 and 8 loans per month, with average loan sizes varying considerably by geography. The per-file royalty structure is particularly meaningful for unit economics analysis: in higher-volume periods or higher-cost markets — such as California, Texas, Florida, or Colorado, all of which were among the first 16 states where Motto Mortgage offices opened by December 2017 — per-transaction economics scale favorably. The correlation between Motto Mortgage office performance and co-location with productive RE/MAX real estate offices is a logical and well-documented driver of origination volume, and investors who can identify high-transaction-volume RE/MAX locations represent the highest-probability unit economics scenario within the franchise system. Payback period analysis without Item 19 data requires conservative scenario modeling, but the sub-$90,000 total investment threshold means that even at modest monthly origination volumes, franchisees are working against a capital base that is small relative to many competing franchise categories. Motto Mortgage's unit count growth trajectory reflects both the brand's pioneering momentum and the headwinds created by the Federal Reserve's aggressive rate hiking cycle that began in 2022. From a standing start in 2016, the brand grew to more than 25 operating offices within its first year, crossed 150 open offices by May 2021, reached 187 open offices by January 2022, and set a single-year record by opening 61 new offices in 2022 to bring total open locations above 225 in more than 40 states. More recent data shows some contraction: a February 2025 report indicated a year-over-year franchise decline of 8.3% to approximately 225 units, and a second-quarter 2025 report from RE/MAX Holdings counted 219 brick-and-mortar locations with full franchise agreements, representing a 9.1% year-over-year decline. This contraction is consistent with broader mortgage industry dynamics — the Mortgage Bankers Association reported that overall origination volume fell sharply from the 2020-2021 refinance boom peak, with purchase-only volume constrained by elevated rates and limited housing inventory. On the leadership front, Ward Morrison, who had served as President and CEO of Motto Franchising, LLC since the brand's 2016 launch, retired on June 15, 2025, remaining as a consultant through the end of 2025. On August 18, 2025, RE/MAX Holdings announced the appointment of Vic Lombardo as President of Mortgage Services, overseeing both Motto Mortgage and the wemlo technology platform, reporting directly to RE/MAX Holdings CEO Erik Carlson. Lombardo brings more than two decades of industry experience including leadership roles at PHH Mortgage and Guaranteed Rate Affinity, plus a decade as a broker-owner — a background that signals the parent company's intent to drive both operational excellence and technology-forward growth at the franchise level. The ideal Motto Mortgage franchisee combines entrepreneurial drive with comfort operating in a compliance-intensive professional services environment. Prior mortgage or financial services experience is not strictly required given the training infrastructure, but franchisees with backgrounds in real estate, lending, financial planning, or business ownership have a demonstrable head start in understanding the regulatory landscape and building referral relationships. The most naturally advantaged candidate is an existing RE/MAX broker-owner or agent looking to capture the mortgage origination revenue generated by their own real estate transactions — the $15,000 discounted franchise fee for concurrent RE/MAX-Motto purchases underscores this strategic fit explicitly. Markets that have demonstrated early adoption include California, Colorado, Florida, Texas, Illinois, Ohio, Michigan, Missouri, Georgia, and Pennsylvania — all states where Motto Mortgage had operating offices within its first year and which represent large, transaction-dense housing markets. The franchise agreement structure and territory model are designed to support single-unit operators who grow their loan originator headcount over time, rather than requiring multi-unit commitments upfront. Available territories span all 50 states in principle, though the brand's current footprint of approximately 219 to 225 open offices across more than 40 states means that meaningful white-space opportunity exists in secondary and tertiary markets, particularly in the Mountain West, Upper Midwest, and Southeast regions where housing market growth has outpaced mortgage broker density. Timeline from signing to opening is influenced by state mortgage licensing requirements, which vary significantly — some states issue licenses within 60 to 90 days, while others can require six months or more, making early licensing application a critical path item for new franchisees. Synthesizing the available data, the Motto Mortgage franchise opportunity presents a genuinely differentiated investment thesis: a first-mover brand in an uncontested franchise category, operating under a publicly traded parent company with institutional compliance and technology infrastructure, at an initial investment range of $60,500 to $89,550 that is accessible relative to most brick-and-mortar franchise formats. The recent unit count contraction — from a peak above 225 open offices to approximately 219 as of mid-2025 — reflects macro mortgage market conditions rather than franchise model failure, and the new leadership appointment of Vic Lombardo in August 2025 signals active corporate investment in the brand's next growth cycle. The brand's FPI Score of 59, rated Moderate by independent franchise intelligence methodology, reflects the cyclicality inherent in rate-sensitive financial services businesses alongside the structural advantages of category exclusivity and RE/MAX ecosystem integration. For investors conducting serious due diligence, the absence of Item 19 financial disclosure makes independent data tools essential rather than optional. PeerSense provides exclusive due diligence data including SBA lending history, FPI score, location maps with Google ratings, FDD financial data, and side-by-side comparison tools that allow investors to benchmark the Motto Mortgage franchise cost, investment profile, and growth trajectory against competing franchise opportunities across the mortgage and financial services category with the analytical depth that a capital commitment of this magnitude demands. Explore the complete Motto Mortgage franchise profile on PeerSense to access the full suite of independent franchise intelligence data.