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    Franchise opportunities compared

    Liberty Tax Service vs Motto Mortgage

    Reviewed figures from each brand's Franchise Disclosure Document (FDD), side by side. Each figure carries its FDD year and page. This is not a ranking or recommendation, and the two FDDs may cover different years and location groups.

    Liberty Tax Service2026 FDDMotto Mortgage2026 FDD

    Initial investment · Item 7

    Liberty Tax Service

    $49,700

    2026 FDD · Item 7 · PDF p. 31

    Motto Mortgage

    $21,700 – $208,250

    2026 FDD · Item 7

    Initial franchise fee · Item 5

    Liberty Tax Service

    $25,000

    2026 FDD · Item 5 · PDF p. 26

    Motto Mortgage

    Not available

    Royalty · Item 6

    Liberty Tax Service

    14%

    2026 FDD · Item 6 · PDF p. 27

    Motto Mortgage

    $250

    2026 FDD · Item 6 · PDF p. 24

    Before you compare

    • Both sets of figures come from 2026 FDDs.
    • Motto Mortgage discloses more than one business format, so the investment range spans formats; the full report breaks them out.
    • Only Liberty Tax Service has reviewed Item 19 figures here.

    Financial commitment

    Estimated initial investment (Item 7)

    Liberty Tax Service

    $49,700
    Charge As incurred Suppliers, Utilities, etc. TOTAL FOR A SINGLE FRANCHISE AGREEMENT — 49700
    2026 FDD · Item 7 · PDF p. 31

    Motto Mortgage

    $21,700 – $208,250
    2026 FDD · Item 7
    Standard initial franchise fee (Item 5)

    Liberty Tax Service

    $25,000
    2026 FDD · Item 5 · PDF p. 26

    Motto Mortgage

    Not available
    No single standard fee identified
    Royalty (Item 6)

    Liberty Tax Service

    14%
    OTHER FEES* Fee Amount Due Date Remarks Royalties — 14%
    2026 FDD · Item 6 · PDF p. 27

    Motto Mortgage

    $250
    Royalty increase per additional loan originator beyond seven: $250
    2026 FDD · Item 6 · PDF p. 24
    Brand / advertising fund (Item 6)

    Liberty Tax Service

    2%
    id paying royalties and advertising fees on said returns. Holdover Fee An additional — 2% — 2%
    2026 FDD · Item 6 · PDF p. 29

    Motto Mortgage

    $350
    Marketing Fund contribution included in royalty fixed component: $350
    2026 FDD · Item 6 · PDF p. 18

    System scale & health

    Total outlets (Item 20)

    Liberty Tax Service

    1,663
    Outlets at end of 2025
    2025 FDD · Item 20 · PDF p. 65

    Motto Mortgage

    154
    Outlets at end of 2026
    2026 FDD · Item 20 · PDF p. 58
    Net outlet change (Item 20)

    Liberty Tax Service

    −442
    Calculated: 2,105 at end of 2022 → 1,663 at end of 2025

    Motto Mortgage

    −95
    Calculated: 249 at end of 2023 → 154 at end of 2026
    Outlet exits (Item 20)

    Liberty Tax Service

    Not available
    No complete exit records for a year

    Motto Mortgage

    Not available
    No complete exit records for a year
    Franchising since (Item 1)

    Liberty Tax Service

    1997
    From a verified franchisor listing

    Motto Mortgage

    2016
    From a verified franchisor listing
    Franchisor founded (Item 1)

    Liberty Tax Service

    Not available
    Not in reviewed records

    Motto Mortgage

    Not available
    Not in reviewed records

    Financial performance (Item 19), by location group

    Liberty Tax Service
    Locations counted not stated in the reviewed record
    $164,860
    other Netprepfees
    2026 FDD · Item 19 · PDF p. 60
    Motto Mortgage

    Not disclosed — no Item 19 financial performance representation

    Item 19 groups are shown separately and never combined. Revenue or sales figures are not profit. Net outlet change and turnover are Franopolis calculations from the disclosed counts; turnover is a count-based rate, not a measure of owner earnings.

    Liberty Tax Service vs Motto Mortgage: common questions

    Which costs less to open, Liberty Tax Service or Motto Mortgage?
    Liberty Tax Service: $49,700 (2026 FDD · Item 7 · PDF p. 31); Motto Mortgage: $21,700 – $208,250 (2026 FDD · Item 7). These are each franchisor's Item 7 estimated initial investment. The low end of the disclosed estimate is lower for Motto Mortgage. At least one range spans several business formats. Estimates are not quotes, and the FDD years may differ.
    How do Liberty Tax Service and Motto Mortgage royalties compare?
    Liberty Tax Service: 14% (2026 FDD · Item 6 · PDF p. 27); Motto Mortgage: $250 (2026 FDD · Item 6 · PDF p. 24). Royalties as disclosed in Item 6; other recurring fees are listed separately.
    Which has more locations, Liberty Tax Service or Motto Mortgage?
    Liberty Tax Service: 1,663 (2025 FDD · Item 20 · PDF p. 65); Motto Mortgage: 154 (2026 FDD · Item 20 · PDF p. 58). Total outlets from Item 20. Outlet counts do not indicate territory availability or franchisee results.
    Do Liberty Tax Service and Motto Mortgage disclose financial performance (Item 19)?
    Liberty Tax Service has reviewed Item 19 figures for 1 location group; Motto Mortgage makes no Item 19 financial performance representation. Different location groups are not directly comparable, and revenue is not profit.

    Answers restate the reviewed figures above. Not a ranking or recommendation.

    How Franopolis reviews FDD figures

    Keep researching

    Full Liberty Tax Service report

    Every reviewed fee, Item 19 group, outlet table and territory disclosure

    Full Motto Mortgage report

    Every reviewed fee, Item 19 group, outlet table and territory disclosure

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