--- title: "The Mortgage Office Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is The Mortgage Office the right Commercial Loan solution for you? Explore 288 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" --- The Mortgage Office 4.8 (288) 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 August 3rd, 2026 # Reviews of The Mortgage Office 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 RB Robert B OwnerFinancial Services, 2 - 10 employeesUsed the software for: Less than 6 months. “They do not appear to take this into account and when they do reply to an issue it was always after closing time on the east coast.“ August 12, 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 ST Shweta T AccountantReal Estate, 2 - 10 employeesUsed the software for: 1-2 years. “i just fear that in Pro version we will lose backup facility but that is common is all web-based software's“ September 18, 2024 ## Showing most helpful reviews Showing 1-25 of 288 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Joanne Q. General Manager Financial Services Used the software for: 2+ 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 SS Stacey S. Account Manager Real Estate Used the software for: 2+ years ### "Services All My Loans in one place - CLOUD-BASED! " January 14, 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. Switched from [The Loan Office](https://www.capterra.com/p/135553/The-Loan-Office/) We switched from TLO to TMO now we have more robust software. Review Source RB Robert B. Owner Financial Services Used the software for: Less than 6 months ### "One Big Mistake" August 12, 2024 1.0 I purchased The Mortgage Office last year and abandoned it quite soon afterwards. Dealing with them was like pounding a square peg into a round hole. I found the system very inflexible and rather than tackle issues directly they devised wild work arounds. They claim to have been selling TMO for forty years, but I find this difficult to believe as some of their glitches were simple basic elementary mistakes. If you do engage with them, I strongly suggest that you base your contract on a trial basis and not prepurchase the entire year or get too deep into the transition. I purchased the full year and just wrote it off when I realized what I got myself into. I am lucky that I used my old system on a parallel basis. It is my experience that TMO gives no refunds no matter how badly they performed. TMO is a prime example of a business working around a program and not the other way around. They will make no small change for your personal needs unless it services the greater good of all their users. TMO also will control all your data, and you are then at their mercy. Better to have a program held on your server that you control and have desired custom work done. Pros I can think of none. What i though would be an exciting new venture turned into a nightmare. Cons To start with they are on the west coast, being three hours behind the east coast. They do not appear to take this into account and when they do reply to an issue it was always after closing time on the east coast. You then return their call, and they reply again after the close of business hours, etc. The integration of historic data was a nightmare, and I found it easier to manually enter the historic than use their tools. Their integration just did not work. 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. I was told to record this on another page and refer to this if need be. There is no way to integrate returned payments. When payments were returned NSF the program did strange things with the interest earned and could not balance. When I asked for an explanation, I was told to “plug” the number. No logical way to track critical dates. If a customer wants a payment to be held or a different amount taken, the program will only work if the payment dates and amounts are changed for all future payments. Then you must go through the whole process again to go back to the original dates and amounts. It does not allow for one time changes. I am the business owner and they were reluctant to deal with me for the onboarding, but instead requested that I hire someone to figure it out and teach me later. I found then very arrogant and so proud of their program that they did not accept shortfalls pointed out to them. They constantly alluded to the fact that they have been around for forty years. Was told that I purchased multiple users, but then found out it was only one. The cost for additional users was not cheap. Luckily, I found out how bad TMO was before I got too deep into the transition, so managed to bail out with only the loss of the year I paid for upfront. Switched from [Alpha Anywhere](https://www.capterra.com/p/149533/Alpha-Anywhere/) For ease and automation. Wanted something new. Review Source Jaron A. Servicing Coordinator Real Estate Used the software for: 1-2 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 AV April V. Loan Processor Real Estate Used the software for: 2+ 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 NB Nicole B. Director of Operations Financial Services Used the software for: 2+ years ### "Great Product" January 26, 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 JW Jordan W. Director Financial Services Used the software for: 1-2 years ### "Highly Rated Platform with Outstanding Support and a User-Focused Product Team" January 5, 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 AV April V. Loan Processor Real Estate Used the software for: 2+ years ### "Streamlined" December 19, 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 JC Jessica C. Assistant Manager Real Estate Used the software for: 2+ years ### "Smooth Performance Backed by Strong Support" December 30, 2025 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 NS Nora S. Office Administrator Real Estate Used the software for: 1-2 years ### "Great Software with Fast Support" January 5, 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 KS Kara S. Office Administrator Banking Used the software for: 1-2 years ### "Kara's Reveiw" November 6, 2024 4.0 During the seminar for LO I really got a great inside look at TMO's training and educational tutorials. It was great to meet all of the faces behind the software we use every day. My overall Experience with TMO has been quite good, and continues to become better as the staff creates a more user friendly experience for us. Pros What I liked mostly about TMO is that it produces paperwork quickly for me to do disclosures. It's easy to find accounts based on the search bar provided, and that we can create templates for data entry which make it quicker and more efficient to input. Cons The difficulties we have had at Val-Chris are more about TMO "thinking" a bit too long sometimes, and definitely the communication with staff in the beginning. I think as time goes on overall it has improved tremendously. Review Source MS Michelle S. Loan Processor Banking Used the software for: 1-2 years ### "The Mortgage Office Seminar Review" October 21, 2024 5.0 Overall, The Mortgage Office was a great experience and I'm glad I made the trip over to learn more about the program. Pros Easy seminar to follow along with and having it be interactive was very helpful. Cons Everyone uses TMO for different reasons so not all the information given was valuable to me. Review Source HD Heather D. Loan Servicing Admin Banking Used the software for: 1-2 years ### "Multiuse, Multilevel Software" September 29, 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 AK AMBER K. Investment Coordinator Real Estate Used the software for: 2+ years ### "The Mortgage Office Review" July 23, 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 EA Elise A. Escrow Agent Real Estate Used the software for: Less than 6 months ### "The Mortgage Office Class" August 19, 2024 5.0 My overall experience with is the team is very helpful and try to make the product as easy as they can for their clients. They respond to problems in a timely manner. Pros I just got back from the class in Huntington Beach and I enjoyed how informative it was. They went over as much as they could with things we all wanted to learn about. The team is extremely nice and helpful. Cons My only complaint would be that things get updated often but we aren't notified when things are updated and how the new updates work. I would just like to get a heads up and a little explanation on how to. Review Source KH Kevin H. Director of Servicing Operations Financial Services Used the software for: 2+ years ### "TMO for the Construction Pros " October 1, 2021 5.0 As our company has continued to grow and The Mortgage Office has been right beside us. They continue to update features and offer a suite of modules to service our loans better. Pros The Mortgage Office provided us the ability to service our construction loans with increased efficiency and borrower transparency. Cons There are efficiency hurdles with tracking tax and insurnace escrow lines and paying them within the system. Review Source CV Christie V. VP of Servicing Financial Services Used the software for: 2+ years ### "Daily user of TMO here" September 27, 2022 5.0 The Mortgage Office has made my job efficient in ways other programs could not. Pros I could not do my job without The Mortgage Office. I work with TMO as a Lender Service Provider to service approximately 30-40 credit unions. Our customers rely on a software that is reliable, accurate, and can handle many different loan types. TMO provides my company with all the tools we need to service a variety of needs. TMO also provides a number of different reports that help us work with accounting teams. Our company services participation loans and TMO makes the process simple. The software is easy to use and the help file is there for any questions you may have. They also have a great support team and always have a quick response time. Cons No complaints here with The Mortgage Office Review Source JC Janet C. Manager, Mortgage Administrations Financial Services Used the software for: Less than 6 months ### "You Won't Regret Getting This Software" October 12, 2021 5.0 I have been using the software for 4 months now and at this time, I'm fully operational and I can call myself an "advanced" user. My success of using this software is due largely to \[SENSITIVE CONTENT\]. These two technical support staff have been so patient with me and had supported me throughout the bad times when I mess up things in the software or ask stupid questions. They made me a better user of the software so that I can get the most out of all the features. Pros Software is easy to use and technical support is second to none. Fast technical support response and each support staff is patient and understanding. I love the follow up after the support team assisted me with a problem to ensure that I'm operating smoothly and that my problem was solved. This is one software where I can customize my own documents with my own customize fields which make this work for me. Love the statement generation feature. I also love the fact that my other colleagues can view loan details without having me generating or summarizing the loan details for them. The many features offered by the software save me time and allow me to spend the time on other matters. Cons I have nothing bad to say about this software. Reason for choosing The Mortgage Office Good feedback from other local users. Review Source RR Renee R. Underwriter Investment Management Used the software for: Less than 6 months ### "Origination Review" July 23, 2024 4.0 TMO is easy to use and they offer great support. They are knowledgeable and friendly. Response time is great when reaching out to someone in the company. They really want to help their clients. Pros The ease of use and be able to set up reminders and follow ups. TMO makes it easy to stay organized which gives more time to work on the pipeline. Cons I would like my customizable documents to be more streamline. Review Source TU Tatiana U. Lending Officer Financial Services Used the software for: Less than 6 months ### "TMO follows your expansion " March 21, 2024 5.0 Pros features can be customized at any time (from simple tasks and shortcuts up to mapping and making the system meet your growing needs) different modules for specific purposes easy to search by only a few letters of a name/property address etc. great customer support Cons initial onboarding sessions weren't enough. In my opinion It'd be helpful to start learning basics from video tutorials of some sort and then to go deeper into customizing and addressing specific requests with a team member. Review Source SR SHERRI R. owner Financial Services Used the software for: 2+ years ### "Best money spent" January 2, 2024 5.0 It has been wonderful for many years. I came from a company that had the software in 83, when I started my own I choose the same software in 85. Pros We are able to do the work of two employees with just one. Less money by far. Cons Very little. I have been working with this software since 1983. Review Source RH Rick H. Founder/CEO Financial Services Used the software for: 2+ years ### "Great Loan origination for small private money lender" December 10, 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. Reason for choosing The Mortgage Office We did not want to have to toggle between programs or deal with unprofessional vendors. ABS/TMO was the obvious choice. Review Source EB Emily B. Office Manager Non-Profit Organization Management Used the software for: 2+ years ### "Great Product for what is was designed for!" November 1, 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 TV Tiffany V. Secretary Real Estate Used the software for: 2+ years ### "Tmo review " July 20, 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 ER Estefania R. Collection Agent Financial Services Used the software for: 1-2 years ### "Portfolio management is a piece of cake!" March 20, 2024 5.0 Managing the borrower pool is a piece of cake when using TMO, so I would highly recommend this software to others. Pros The Mortgage Office has it all: dynamic modules, customazible grids, easy reporting system. Cons Their support time of response sometimes can take up to 48 hours. 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