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The proliferation of disinformation demands reliable and scalable fact-checking solutions. We present **D**ynamic **E**vidence-based **FA**ct-checking with **M**ultimodal **E**xperts (DEFAME), a modular, zero-shot MLLM pipeline for open-domain, text-image claim verification. DEFAME operates in a six-stage process, dynamically selecting the tools and search depth to extract and evaluate textual and visual evidence. Unlike prior approaches that are text-only, lack explainability, or rely solely on parametric knowledge, DEFAME performs end-to-end verification, accounting for images in claims *and* evidence while generating structured, multimodal reports. Evaluation on the popular benchmarks VERITE, AVeriTeC, and MOCHEG shows that DEFAME surpasses all previous methods, establishing itself as the new general state-of-the-art fact-checking system for uni- and multimodal fact-checking. Moreover, we introduce a new multimodal benchmark, ClaimReview2024+, featuring claims after the knowledge cutoff of GPT-4o, avoiding data leakage. Here, DEFAME drastically outperforms the GPT-4o baselines, showing temporal generalizability and the potential for real-time fact-checking.