--- title: "The Mortgage Office Loan Servicing Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is The Mortgage Office Loan Servicing the right Loan Servicing solution for you? Explore 289 verified user reviews from people in industries like yours to make a confident choice." source_url: "https://www.capterra.com/p/9277/The-Mortgage-Office/reviews/" page_type: "reviews" language: "en" publication_date: "2026-10-31" --- The Mortgage Office Loan Servicing 4.8 (289) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated October 31st, 2026 # Reviews of The Mortgage Office Loan Servicing Ease of use 4.7 Customer Service 4.8 ## Pros and Cons in Reviews AV April V Loan Originator and ProcessorReal Estate, 2 - 10 employeesUsed the software for: More than 2 years. “It offers extensive reporting, customizable fields, and the ability to manage a wide variety of loan types.“ July 24, 2026 RB Robert B OwnerFinancial Services, 2 - 10 employeesUsed the software for: Less than 6 months. “For the customer contact page, they have all sorts of unused spaces, but yet have no field to put in extension numbers and notes next to a phone number.“ August 12, 2024 AV April V Loan Originator and ProcessorReal Estate, 2 - 10 employeesUsed the software for: More than 2 years. “The support team is knowledgeable and responsive, and the software continues to improve with regular updates. Once you're familiar with the system, it becomes an invaluable tool for managing a private lending business efficiently.“ July 24, 2026 MO Michelle O Loan ProcessorReal Estate, 11 - 50 employeesUsed the software for: I used a free trial. “At first, the extensive "menus" are a bit difficult to navigate, and it's easy to lose my place.“ November 11, 2024 NB Nicole B Director of OperationsFinancial Services, 2 - 10 employeesUsed the software for: More than 2 years. “It has loan reports for your maturities and for tracking insurance and also I love the tax feature and there customer service that literally will stay on the phone and walk you through the whole process.“ January 26, 2026 JP Jill P Contract Servicing SpecialistConsumer Services, 11 - 50 employeesUsed the software for: 6-12 months. “Impound Analysis has been the most challenging, as tax payments were due same time as our files have been moved over into TMO. “ May 29, 2024 AV April V Loan Originator and ProcessorReal Estate, 2 - 10 employeesUsed the software for: More than 2 years. “he Mortgage Office is a very robust and flexible platform that handles all aspects of loan servicing in one place.“ July 24, 2026 MO Michelle O Loan ProcessorReal Estate, 11 - 50 employeesUsed the software for: I used a free trial. “I am still in the beginning stages and have not fully implemented the TMO software.“ November 11, 2024 ## Showing most helpful reviews Showing 1-25 of 289 available reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use R Reviewer COO Used the software for: 3-5 years ### "True Lack of Support" October 5, 2026 1.0 We've been a TMO desktop user for 10+ years and switched to their cloud version a year ago. The cloud version loses almost all the ability to edit / customize documents. Any customizations that you do make, even if it is as simple as changing a word on the form, are fully unsupported and they won't help you with any issues (regardless of the fact that the verbiage changes are necessary as their forms are not up to date / accepted by title companies or county clerks). Moreover, we've reported a few bugs, almost 1 year ago, and they are still not fixed. Worse, they ask you to take screen shots and videos to show / identify the issue - so you basically have to identify exactly what's wrong (when they should be testing / researching the bugs themselves) - but then they do nothing. Lastly, the accounting portion of the software was not working correctly - which causes huge issues for month end balancing - and they didn't even respond to the email that documented the issue for 45 days. Their limited support is not knowledgeable for anything above functionality in the software and our employees actually know / understand it better than them. I would highly advise looking for different software before you commit any time to this program. They will promise you the world when selling it - but then there is no one to help troubleshoot or fix issues when they arise. Pros There's not much positive. The software only works when using the most basic functionality and doesn't support the customization that they market / sell. Cons Extremely poor support (both in terms of timeliness, getting to speak to a real person, and the employee knowledge of anything beyond basic software/cloud functionality). We have issues that were reported a year ago and they have no idea when they will be fixed. Another trust accounting issue was reported (and needed timely resolution for monthly balancing) and they didn't even respond for 45 days. Their response didn't have a solution either. Lack of ability to customize documents: They sell the software as having the ability to customize documentation but then don't support any customized documents. The old desktop version had far better customization abilities. Then, they switched to the cloud but jerry-rigged the backend without truly making a new software. This means that the cloud lost almost most of the functionality that was previously there is lost and the employees have no idea how to add it. Review Source April V. Loan Originator and Processor Used the software for: 3-5 years ### "Reliable and Feature-Rich Mortgage Servicing Platform" July 24, 2026 5.0 Overall, my experience with The Mortgage Office has been very positive. It has provided the tools needed to efficiently manage our loan portfolio, generate detailed reports, and streamline our servicing processes. While there is a learning curve, the software is reliable, highly customizable, and well suited for private and hard money lending. The support team has also been helpful whenever questions arise, making it a valuable long-term solution for our business. Pros he Mortgage Office is a very robust and flexible platform that handles all aspects of loan servicing in one place. It offers extensive reporting, customizable fields, and the ability to manage a wide variety of loan types. The support team is knowledgeable and responsive, and the software continues to improve with regular updates. Once you're familiar with the system, it becomes an invaluable tool for managing a private lending business efficiently. Cons One of the biggest challenges with The Mortgage Office is the learning curve. Because it's such a powerful and feature-rich platform, it can feel overwhelming for new users, and some workflows are not as intuitive as more modern software. The interface could benefit from a more updated design, and certain tasks require multiple steps that could be streamlined. That said, the functionality and flexibility outweigh those drawbacks once you're familiar with the system. Review Source Joanne Q. General Manager Used the software for: 3-5 years ### "Robust Mortgage Servicing Made Easy, From Loan Admin to Pool Tracking" July 23, 2026 5.0 Like I mentioned, we have been using TMO since 2019 and it has become an important everyday part of our business. It has made doing business much easier for us in a lot of ways. The service department is friendly and eager to get us back on track when we have issues. Overall, TMO is a win for us! Pros The Mortgage Office makes it easy for us to manage our clients’ mortgage accounts from start to finish. We’ve been using it since 2019, and we rely on it to manage our mortgage investment company’s client loans and shareholder accounts. For loan administration, we use it to collect client payments, which are automatically posted to the correct account with the proper division of principal and interest. It also includes document storage, a call log, and a notes centre, which helps keep everything in one place. We can pull accurate payout statements and mortgage statements with just a few clicks, and even email them directly to the customer from within the program. A separate module, mortgage pool servicing, efficiently tracks our shareholder investments and issues share certificates accurately. It also calculates pool distributions and can issue tax slips at tax time. After the initial learning phase, the program is straightforward to use and navigate. Response time is good and downtime is rare. When we do run into an issue, support response time has ranged from good to acceptable. Onboarding was relatively easy, and we had dedicated support to guide us through each step of the process. While the pricing is high, it has been comparable to—or less expensive than—alternatives we considered. There is an option to integrate QuickBooks with the program, but we’ve chosen to keep them separate for now. They are also developing an AI help module, and it keeps getting better over time. Cons The program is very robust, but it takes time to learn how to use all of its features. The help centre and AI assistant still seem to be in development, so finding answers without contacting support can be frustrating at times. More video tutorials would be a great addition. Review Source Jaron A. Servicing Coordinator Used the software for: 1-3 years ### "Always more to learn" July 17, 2026 5.0 Overall it is a very accurate and correct software. I know that if I use it correctly, it will give me all the information I need. Pros The best thing about The Mortgage Office is their ability to work with their clients and help to get everyone caught up and successful. They are always working to answer questions and get you set up with anything you might need. The seminar is very client led, and you can always reach out with any questions you have in the future. Cons The hardest part is catching up and using it to its full potential. There are so many hidden features or calculations going on that you may not always be able to see. But this is why asking all the questions is helpful. Review Source Nicole B. Director of Operations Used the software for: 3-5 years ### "Great Product" February 4, 2026 5.0 I been with mortgage office for close to 8 years and have been very satisfied with the product and their customer service. Pros What I love about it is that it's not complicated and covers everything that we need it for. It has loan reports for your maturities and for tracking insurance and also I love the tax feature and there customer service that literally will stay on the phone and walk you through the whole process. Cons I really have no complaints, the only suggestion would be perhaps adding another bucket in the trust ledger. That way if you need to separate out a construction reserve, interest reserve and property taxes you have a way to do that. Review Source Stacey S. Account Manager Used the software for: 3-5 years ### "Services All My Loans in one place - CLOUD-BASED! " January 15, 2026 5.0 I love that everything is cloud-based and all loans are kept in one place. It’s a huge benefit—I can access loan information from my home computer after hours, my iPad, or even my phone. I’ve literally done payoffs while on vacation! No matter where I am, my customers always get the information they need, exactly when they need it. Pros Transitioning from the “light” version of the software was smooth and straightforward. Since I process loans for multiple companies, I really appreciate how easy it is to switch between them without any hassle. I also love that it’s cloud-based, which allows me to access loan information and stay on top of issues even when I’m not in the office. Cons I know there are a lot of great features I’m not using yet, such as ACH payments and customer portals, that would make my job easier. Unfortunately, without a tech person on staff, I haven’t had the time or technical expertise to learn and implement them. Review Source NT Nora T. Office Administrator Used the software for: 1-3 years ### "Great Software with Fast Support" January 7, 2026 5.0 Overall, The Mortgage Office has been great to use. It makes managing loans, payments, and reporting way easier, and once you get the hang of it, everything runs smoothly. The quick, helpful support really makes a difference, so you never feel stuck. Definitely a solid tool for keeping everything organized and running efficiently. Pros The software is really well-made, fast, and easy to navigate. The quality of the software is great and everything is well organized. The support team is also excellent — they respond quickly and are very helpful whenever you have questions or need help figuring something out. It’s also very affordable compared to other loan servicing software I looked into. Cons Some features can take a little time to learn at first, especially if you’re new to loan servicing software. Review Source Jordan W. Director Used the software for: 1-3 years ### "Highly Rated Platform with Outstanding Support and a User-Focused Product Team" January 7, 2026 5.0 My overall experience has been very positive. The support from the staff is excellent; they are knowledgeable, responsive, and genuinely helpful. I also really appreciate that the product team listens to user feedback and actively considers feature requests. It’s clear they care about improving the platform based on real user needs. The platform is robust and dependable, and the strong support from the whole TMO team makes a big difference. With more automation, it would be even stronger. Pros I really love how flexible the system is. It offers strong features for tracking loans, managing data, and generating reports. Overall, it’s a reliable platform that does what it’s designed to do very well. Cons Some processes feel a bit too manual in some areas. Certain tasks could be more automated or streamlined, which would save time and reduce repetitive work. Review Source JC Jessica C. Assistant Manager Used the software for: 3-5 years ### "Smooth Performance Backed by Strong Support" January 5, 2026 5.0 The overall experience with the software has been great. The system is very user-friendly, and the wide range of resources available helps us run our business as efficiently as possible. Pros Regular updates keep everything running smoothly, and the ongoing support from the account managers and support team help resolve any questions or issues quickly, so we can keep operating with minimal downtime. Cons When two people are working in the same account, only one person’s changes are saved. It would be helpful to have a feature that shows when someone else is currently in the same account. Review Source April V. Loan Processor Used the software for: 3-5 years ### "Streamlined" December 22, 2025 5.0 Pros I’ve been really happy with the Mortgage Office Pro version. The platform is much more streamlined and efficient, and it’s made managing loans and servicing far easier than before. It feels like a solid upgrade that actually supports day-to-day operations. Cons The way to view certain reports and some transitional issues is my only complaint. Support has been very good at working with us to help resolve whatever we need help with. Review Source R Reviewer Administrator Used the software for: 3-5 years ### "The Mortage Office gets it done!" January 30, 2025 5.0 I went to their office in 2014 for training after working with the program for a few weeks, asking LOTS of questions. Everyone has been wonderful ever since. 90% of the time any questions are answered in less than 24 hours (TMO is west coast, I am east) and often in less time. When I put in subject line it's urgent, they get back to me even quicker. It was only an hour today!! Pros It's a good program and works well for all we need from it. Cons It's not always intuitive . . . but hey, that may just be me! But once I know, I know! Review Source R Reviewer Loan Servicing Admin Used the software for: 1-3 years ### "Multiuse, Multilevel Software" October 6, 2022 5.0 The Mortgage Office is such a great software backed by a great experienced team. The software is innovative and always makes your process easier and quicker. This also happens with the team behind the scenes. When any issues arise, the support team is on top of it. As our company grows, so do our software needs and this is a cause for continuous training. \[SENSITIVE CONTENT\] and her crew are amazing! The in person training is totally worth the trip! You are able to customize the training to really dive deep into the topics that interest your company. Ramiro has all the tips and tricks to save time and being able to pick his brain about TMO is a real treat! The hospitality here is unmatched ! Pros This software allows you to customize to fit your own needs. It is capable of tackling complex setups with the different tools available. Very user friendly. Where we would spend hours in just creating and sending letters and notices, the mortgage office fast tracks this and many other tasks by using its custom letters capability. Time saver! Cons At this time, Lucro is fully satisfied with this software Review Source R Reviewer Investment Coordinator Used the software for: 3-5 years ### "The Mortgage Office Review" August 1, 2024 5.0 I have been very pleased with the upgrade to TMO Pro. Wish we upgraded sooner! It's so much faster! Pros TMO is easy to use and easy to understand. I like that you can create your own customized documents. If you run into an issue, you can simply email the support team who is always quick to respond and solve your problems. The TMO support team is amazing, they are very professional and are always available to help. Cons I don't have any cons about this software. Review Source VR Verified Reviewer Architect Engineer Used the software for: 1-3 years ### "What a great service! Useful and compatible with my requirements" July 14, 2023 5.0 Pros Very easy to use and What a great service! Useful and compatible with my requirements Review Source R Reviewer Managing Principal Used the software for: 3-5 years ### "Ease of Use for Servicing Residential Loans" March 22, 2021 5.0 Over the last 13years we have grown our business with The Mortgage Office. I appreciate the support team when we have questions or issues. We enjoy the Print & Mail service for 1099/1098s. The Custom Letters and Reports feature which utilizes Word's mail merge features. Pros From setting up a loan to applying payments and running escrow analysis. The software is full of features- Adjustable Interest Rates connected to WSJ - Not a Problem! End of Year Statements and 1099/1098s - Not a Problem! One of the Best Features is the Portal for both lenders and homeowners. Homeowners can make their payments on-line too! Cons It would like to be able to add the insurance information on the portal. The portal has continued to expand over the past years. I really like the 1099 and 1098 information being available on the portal. Review Source R Reviewer Director of Community Development Liaison Used the software for: 3-5 years ### "Director Of Community Development Liaison" May 25, 2022 5.0 I love tmo the portal its easy to use with making payment with ach. debit or credit, Everything is needed in the portal with history, messages, servicing, tax forms if needed if not you can email the servicer you're with if needed help. Its very easy to use and a great software. Pros Its very easy to use, If help is needed there's videos if you need to learn about anything, Its easy to make a payment or view clients information, If you need to reach out there's an email contact them and will help you fast. Cons i wish the portal has a way to show the exact payoff amount because clients always payoff what ever number they see in the portal and expect its that. Review Source R Reviewer COO Used the software for: 1-3 years ### "Just getting started" June 19, 2020 5.0 The biggest problem we've solved is a significant decrease in the amount of time it took to process payments. Our old system would take almost an entire day to move funds and notify participants, and now that can be accomplished in a matter of minutes. Pros We've been using this product for about 18 months. It has streamlined our payment processing so much - we're much more efficient now, which is always a good thing with a small company. The system is able to handle participations in an almost seamless manner. Cons While quite a bit can be customized, we're having some challenges customizing some reports for our participants based upon the overall portfolio. And I wish there was a better way to handle a mid-cycle interest rate change. Review Source R Reviewer Servicer Used the software for: 3-5 years ### "The Mortgage Office for Servicing" August 6, 2021 5.0 No more guess work on interests that are owed especially, on Construction loans, where the interest is always increasing as the balance is increasing. The Mortgage Office helps easily keep track of everything so you do not miss out on any interest owed. Pros It is really easy to set up and start servicing loans right out of the box. If you do not understand a feature or option, the Support team is always ready and willing to help you out and explain them so you can better use the software. Cons At first, it is a lot to take in on how to use the software, but once you learn the workflow, (or attend the seminar) it puts everything in order and it is easier to understand why things are done the way they are. Review Source R Reviewer Accounts Receivable Administrator Used the software for: 3-5 years ### "Overall Experience Using Loan Office Software" July 11, 2023 4.0 So far there is nothing. Loan office software is great to use. Thank you! Pros Loan Software easy to use and I highly recommend to other financing companies. Thank you! Cons For my experience is not difficult to use. Thank you! Review Source VR Verified Reviewer Investment Operations Associate Used the software for: 3-5 years ### "Great loan servicing software " April 2, 2019 4.0 Pros Mortgage Office is a great tool for loan servicing that can be customized and queried in many ways. The audit and reporting functions also work great as well the customer support group. It’s very accurate and updated routinely to ensure compatibility. Overall easy to use loan management software, would highly recommend! Cons It can be costly depending on how much of the software is installed. Also the reporting could be more robust in certain areas but does cover most data. Review Source R Reviewer Service and Fulfillment Manager Used the software for: Less than 1 year ### "Thank you, TMO!" August 13, 2024 5.0 I'm new to the software and have a lot of questions, but the support team always answers them, over the phone or by email. They also offer alternative solutions whenever needed. I'm sure I have the correct support system for any worries or even basic clarifications I may need. Thanks a lot, TMO. Pros The UI is quite intuitive, and the support team is always courteous, helpful, and willing to go above and beyond to resolve issues. Cons I can't think of anything right now. The upgrades and updates are already available for other plans. Review Source R Reviewer Founder/CEO Used the software for: 3-5 years ### "Great Loan origination for small private money lender" December 11, 2020 5.0 Wouldn’t be such a long-time customer if we weren’t so happy with the overall product features, benefits and support. Pros After nearly 18 years as a user on dedicated local server, we made the switch to the cloud-based AWS version and couldn’t be happier. Timing was excellent as the pandemic followed soon after installation. A key benefit is this platforms now works on most all systems, including iOS. That’s great news for small operators like myself. Cons We struggled initially with a few features but utilized the vendor’s excellent tech support to resolve. Maintenance support is pricey but is top of the line. Review Source R Reviewer Office Manager Used the software for: 3-5 years ### "Great Product for what is was designed for!" November 2, 2022 5.0 Pros Once you get a handle on the product, it is very easy to use and navigate. Lots of helpful reports and tips and tricks to making loan servicing a lot simpler. Cons I do feel as though it takes a little time to get a handle on how to use and navigate the program. Especially if you're just getting your feet wet in this type of programming or industry. Review Source R Reviewer Secretary Used the software for: 3-5 years ### "Tmo review " July 25, 2022 5.0 We love TMO we wish we knew how to use it to its full extent Pros It keeps track of everything we need it to Cons The setup we’ve had it for a few years had \[SENSITIVE CONTENT\] come twice paid 10k for that and it’s still inputted incorrectly to where it does not function for us the way we need it to so we cannot pull the reports we need Review Source R Reviewer Founder and CEO Used the software for: 3-5 years ### "The Mortgage Office is very capable software. " June 21, 2018 5.0 Pros I most value The Mortgage Office's versatility and capabilities. I service many thousands of loans very easily from the software. Cons I would say the most troublesome area of this software is related to certain custom reports, you must be familiar with SQL or Crystal Reports to accomplish certain things. Review Source ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Talk to a Capterra advisor for free and get results within 15 minutes.