--- title: "Page 2 | The Mortgage Office Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Page 2 - 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=2" 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 26th, 2026 # Page 2 - Reviews of The Mortgage Office ## Showing most helpful reviews Showing 26-50 of 288 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use MR Marisol R. Real Estate Office Manager Real Estate Used the software for: 2+ years ### "TMO, all in one!!!" October 8, 2025 5.0 Very satisfied with the program regarding loan servicing, reports, payments and more. TMO has been a very useful program. Pros TMO is super helpful with what we use it for, Loan Servicing! We use the online version which is very fast. If I ever get stuck in any way their customer support is always very helpful including the zoom video calls. It gets better as time passes since they update the program with new features. Cons it will be helpful if there is way to automatically count how many times a loan has been late. Also, the time on the reports is different as our central time, maybe there is a way of changing it. Review Source HM Heather M. Operations Coordinator Master Broker Real Estate Used the software for: 1-2 years ### "TMO experience" December 11, 2025 5.0 Great experience overall! Staff is more than helpful. I am able to get help as needed. The end of year tax option is amazing! Pros Easy process and helpful team. The training was good once I had a good understanding of what my company was looking for in the platform. Cons Would like to see a draw option for conventional loan product. Our loans do not fully fit in the construction product. Review Source NA Nasreen A. System Analyst Construction Used the software for: 1-2 years ### "Excellent System" December 15, 2025 5.0 This system is resolving purpose of our mortgage finance. Loans can be processed, very secured in terms of data breeching. Pros User Friendly system and easy to access in terms of features and functionality, tope of that excellent customer support. Cons None from our end. The only part is customization which is required most of the time. Reports are not easy to build. Review Source MO Michelle O. Loan Processor Real Estate Used the software for: I used a free trial ### "Improve Loan Servicing and Processing" November 11, 2024 4.0 I am still in the beginning stages of using TMO. - The in-person training offered overall and close up (hands on) views of what the software can help us accomplish. Based on what I have experienced so far, I believe once fully implemented, TMO will be a key factor in improving our company's operations in the areas of loan processing and servicing. Pros TMO's ability to organize data, create templates, and store documents all in one platform is very appealing (and important) to me. This will be a time saver and help produce smoother loan and servicing processes. Cons I am still in the beginning stages and have not fully implemented the TMO software. - At first, the extensive "menus" are a bit difficult to navigate, and it's easy to lose my place. I feel it would be helpful to have menu headings in "bold" (or stand out in another way) rather than just being accompanied by a drop down carrot. Switched from [Zoho CRM](https://www.capterra.com/p/155928/Zoho-CRM/)[Box](https://www.capterra.com/p/148766/Box/) We are still in the process of switching. We've found that having data on one platform and documents stored in another, is not the most efficient way to get the job done. 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 AA Angel A. Office Manager Real Estate Used the software for: 2+ years ### "TMO was a great addition to our Business" October 25, 2024 5.0 We have used TMO for several years now and love it. The support team is amazing also!! If they don't know the answer they will find out and get back to you! Pros We love that we are able to upload our loan docs and use them with the software. It has made our life so much easier on the front end of our loans. Then we can move right into servicing them in the same system. Cons We are just moving to the online system from the desktop version. I don't really have anything we don't like; we are just on a learning curve, and it's a little different in some ways. Review Source NB Nick B. Controller Oil & Energy Used the software for: 2+ years ### "TMO is wonderful" October 28, 2024 5.0 It is a good company, and even more important (at least to me) the staff are friendly and easy to deal with. Pros It is so robust, but yet once you learn it so easy. Cons We are in Indiana and TMO is in California, I do not like the 3 hour difference when dealing with the help Desk. However, that being said TMO does a wonderful job getting back with me as soon as possible. Sometimes they send corrective emails before I even get into the office. Switched from [Microsoft Excel](https://www.capterra.com/p/176574/Excel/) The spreadsheets were getting way to lengthy and it was an extremely manual process 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 ET Erika T. Manager Real Estate Used the software for: Less than 6 months ### "Extraordinary" July 20, 2021 5.0 Five star experience. TMO is like staying at a nice hotel. Your expectations are exceeded, you're met with exceptional customer service, and you're confident and comfortable. Pros TMO takes away a lot of the manual work required with our previous software. Productivity is important to us. This automates, simplifies, and clarifies borrower payments, lender disbursements, escrow management. It's incredible. Integration was definitely a project but only because of our starting point. We were operating so chaotically to just get by. The support team was incredibly helpful and still is incredibly helpful. If I could only list one reason why I'm happy with TMO, it would be support. So responsive, so knowledgeable, and friendly. Cons Integration was definitely the most difficult part. The software we used before was absolutely the reason it was difficult. Alternatives considered [LOAN SERVICING SOFT](https://www.capterra.com/p/135272/LOAN-SERVICING-SOFT/) Reason for choosing The Mortgage Office Eric, our salesman, was very knowledgeable and approachable (we ask A LOT of questions). We enjoyed the demo, the promises of support (this promise is being upheld greatly), and the professionalism of each team member we met. I really cannot say enough about the support team. They are wonderful. Each day that goes by, we look up and realize that we love TMO more and more. So many times we've said "how did we do this before?" It's astounding. Choose The Mortgage Office. It's so worth it. Review Source TH Tanner H. Controller Real Estate Used the software for: Less than 6 months ### "TMO Review" October 28, 2024 5.0 Super friendly and willing to help any way they can Pros Lots of data that can be sorted how you like Cons It is sometimes a pain to have to delete/back out entries because things need to be in sequential order Review Source Anisa L. Dealing Representative and Chief Compliance Officer Financial Services Used the software for: 2+ years ### "Long time user, first time reviewer. Stable, reliable tool. Strong support. Clean audits." March 29, 2018 5.0 For what's out there, this tool works well. As far as I can see there is no holistic product that manages the lending side of a MIC, the capital side of a MIC, robust and standard accounting tasks (financial statement generation) and exempt market issuance. But this one works really well at getting me data that can be imported into the accounting system with minimal fuss and high accuracy. The more we use it and learn about it, the more time this tool creates for our MIC team. Pros Really like the ability to save customize fields and save query views as spreadsheets. Really like the ability to save reports and letters as spreadsheets (or .pdfs through the platform vs. via print to .pdf menus). Good audit trails for reports, changes, statements, etc. We're now learning how to better manage dates to result in reports that balance to our accounting program -- pretty good. Would have loved to have known that sooner. Support team are on site with the company and are well informed as to how the platform works -- pretty decent turnaround time for a company on the other side of the continent. I have a healthy respect for the support team's skills and knowledge. Cons Would love to have a hosted customer wiki or bulletin board where users could share tips and tricks. Would love to receive an email weekly with tips and tricks, did-you-know, or other implementation hints. Would love more information about stuff like how custom fields are added to the merge field list in custom letters -- using for years and just learned this. Tell us more about the nuances for customization and let us talk to each other and I think you'll have users for life. Review Source JA Jacqueline A. Director of Loan Servicing Financial Services Used the software for: Less than 6 months ### "Capterra Review " August 19, 2024 5.0 The overall experience has been excellent. TMO goes above and beyond to assist their clients with any questions they have. In addition, the staff is immensely knowledgeable and friendly, and they are always available and willing to help. Pros I was especially impressed with the quality of the product. The Customer Service has been outstanding as they are extremely accommodating and helpful. Cons N/A - I can't say there are any Cons about TMO. All of the Review Source JA Joshua A. Real Estate Used the software for: 6-12 months ### "Great Product / Weak Service" July 25, 2016 3.0 The sales pitch was outstanding. If you want to get someone on the phone from the sales team, boom - they're on. The software itself has been a godsend. We were doing all of our statements on Word and Excel, and we would spend ours getting everything right. As we've grown in size (we have over $150 million in loans outstanding now), we almost had no choice to buy software to help manage the behemoth we've become. We sampled some other cheaper software, but The Mortgage Office is clearly the best one out there. That doesn't mean it's perfect - I am not a big fan of the statements the software generates. For example, on an investor statement, the "interest paid in 2016" box at the top right of the statement shows the gross interest paid. I essentially want it to show the net interest paid (interest less servicing fees). There is an option to do that, but then the statement hides the servicing fees we charge our investors. I like to be transparent and show our investor what they are getting net, but also show them the servicing fees. To get this done The Mortgage Office wanted to charge huge sums of money to customize. I am also not a big fan of the investor statements in general, there are a lot of aesthetic issues that need to be fixed, but they refuse to do it unless I pay them. Regardless of the minor issues described above, the software is good and worth the money. My biggest gripe is with customer support. When you get the support team on the phone, they are incredibly polite and knowledgeable, and always solve my problems. I would give the 5 stars if I could. The reason I am giving them 2 stars is not because of them, they are great. They are just incredibly understaffed, and I've never gotten one of them on the phone. I have to leave a message, and they rarely get back to you same day. It usually takes 24-48 hours, which is just absurd in our business. I even told one of the owners that I am willing to pay a much higher monthly fee (it's about $175 per month for service) if they could staff properly and have people pick up the phone when you call. I would seriously pay about $500/month to make this possible. I am running a $150 million business, and I need to know that I can reach someone within minutes when I have a time sensitive question. This is the reason I would most likely not recommend this product. If they can resolve this issue I would give the company all 5 stars. Pros Great tool to track loans, monitor loans, produce useful reports, produce borrower statements that are accurate, produces decent lender statements, the customer service reps are very helpful and knowledgeable, the software is relatively easy to use once you really study it. Cons IMPOSSIBLE TO GET CUSTOMER SUPPORT ON THE PHONE - PLEASE RAISE MONTHLY SERVICING FEE IN ORDER TO HIRE MORE STAFF. I WILL GLADLY PAY MORE IF I KNOW I CAN GET SOMEONE ON THE PHONE RIGHT AWAY TO ANSWER A TIME SENSITIVE QUESTION, AS OPPOSED TO WAITING 24-48 HOURS FOR A RESPONSE. Review Source JP Jill P. Contract Servicing Specialist Consumer Services Used the software for: 6-12 months ### "TMO Review" May 29, 2024 5.0 Good, have had great support from ABS Customer Support when needed. Most often hear back within the same day to help trouble shoot. Screen shots are often sent for easier review and answering our processing questions. Pros Ease of payoff and payment processing. Cons Impound Analysis has been the most challenging, as tax payments were due same time as our files have been moved over into TMO. New and updated instructions have been received along with online training. Review Source AE Ashlee E. Accounting Specialist Investment Management Used the software for: 1-2 years ### "One Stop Shop" June 13, 2024 5.0 Pros TMO is easy to use and easy to understand. It is a very complex system that allows us to do many things like take payments, manage our bank loans, cut checks and plenty of more tasks that are useful in our workplace. If we run into an issue, we simply email the support team who is always quick to respond and solve our problems. The TMO support team is amazing, they are very professional and are problem solvers! Cons Like any new system, it took time to understand TMO and be able to use it to its full capability, but once I got the hang of it, I could not be happier with this software. When I have spare time, I like to look around in the different tabs of TMO to find different reports or functions that could be helpful to the company; there are so many ways to utilize TMO, the possibilities are endless. Review Source AM Audrey M. Executive Director Financial Services Used the software for: 2+ years ### "No software is perfect...but this one is pretty close....and the customer support is top notch!" April 7, 2020 5.0 We have had a huge time savings using The Mortgage Office. ACH file is automatically generated at the click of a button. Loan payment input is simple. Monthly reports to our Lenders are generated and emailed right from the system. In the past we needed to scan the reports and e-mail them to the right people using our old system. Pros The software makes applying loan payments a breeze. We utilize ACH Express to remit monthly payments to our Lenders. That process is relatively easy. The creation of the NACHA file automatically by the system has saved us so much time. We used to have to manually load up that information, opening us up for human error. Cons The clickable items on the left had side of the home screen are a little clunky. We tend to use Tasks & Reports the most, and I find sometimes I have trouble finding it as it is a good way down the list and doesn't stand out. Switched from [LOANLEDGER](https://www.capterra.com/p/19063/LOANLEDGER/) The customer support people at LoanLedger were horrible to work with. The treated us as if they didn't need our business. They were rude and not helpful. I complained several times to their management and nothing changed. In addition to the lack of support, there were too many glitches with their product. (which is why we were constantly calling for support!) Review Source NQ Nordany Q. Owner Financial Services Used the software for: 2+ years ### "Flexible Software" April 29, 2021 5.0 I have experienced worst after testing four other loan software. This is the best so far. Pros It a spreadsheet format for customers' main screen which is downloadable to Excel. Allows for flexibility of how data is displayed through "Smart Views." Though one would need help from Support to figure out the correct string to use. It allows for credit reporting, which a lot of our customers want. Cons The base Loan Origination module does not allow for payments to be divided monthly evenly if the first payment due date is not 30 days from contract signing. Tends to create balloon payments for that reason. One could pay to add another part to the software to take care of that issue. But in addition to paying for the upgrade one also pays 17% of that purchase price quarterly. Which leads to another minus of increased monthly cost the most modules are added. This is true of any additions one makes to the software, whether ACH processing modules or Loan Origination module etc.. So, it really increases the monthly costs of the software, after initial purchase price, the more trimmings you want with it. It is a good software, But, make sure to take into account not just the initial cost of all modules but also the extra monthly 17% or so of the purchase price that will have to be paid. Review Source VF Veniece F. Office Manager Non-Profit Organization Management Used the software for: 6-12 months ### "Very happy with our new loan servicing software!!" December 14, 2023 5.0 HomesFund is very happy with the overall use, speed, and functionality of the software - and - it's in the cloud! Pros Setting up was fairly easy. The customer support team has my back on a daily basis on varied topics as I continue to build out the Loan Servicing system. They get back to me quickly and with great guidance and expertise. Cons Some of my uploads were not accepted; however, I'm sure there was a share of user error as part of the reason 😊 Switched from [N-central](https://www.capterra.com/p/13803/N-central/) The previous software we'd used for 11 years was dated and not able to handle certain things like Escrow Analysis. Also, they are still a desktop version, possibly in transition this year or next. With that, I was unable to work from home. Now with TMO, I can!! Review Source VR Verified Reviewer Architect Engineer Design Used the software for: 1-2 years ### "What a great service! Useful and compatible with my requirements" July 12, 2023 5.0 Pros Very easy to use and What a great service! Useful and compatible with my requirements Review Source RK Robert K. President Financial Services Used the software for: 2+ years ### "Owned for over three years. Very complex, Updates routinely have major bugs. Understaffed Support." August 3, 2017 1.0 We service a private loan portfolio and prepare 1098 forms for borrowers. This has worked well in the past, but current bugs are causing concern that the 1098 forms will need to be double checked during the very busy month of January. Pros The concept and theoretical flexibility of the software is really cool. The reports are generally well formatted. Borrower communication options are varied and allow easy email, but the calculations need to be correct. Cons Very complex, takes months to learn to use. Easily allows problem entries. Support is pleasant, but lacks everyday use knowledge. 4 to 6 steps required for tasks like simply advancing interest on a construction loan. Tracking of % complete and % disbursed on construction takes longer in The Mortgage Office than in a simple Excel spreadsheet. Over the last year the whiz bang modules that they are adding look great, but as updates occur with the main, modules of servicing, the lack of testing is clear as each update precipitates major bugs which cost my staff scores of hours. Customer service is helpless as they are not prepped for the updates and typically don't have the operating expertise to comprehend the full scope of the problem. , but they are nice people. Support calls are seldom answered within an hour. Typically it's about a 24 hour turnaround, with a call to us (Mountain Time) just about the time my staff is walking out the door. Review Source JA Johanna A. Loan Services Manager Investment Management Used the software for: 1-2 years ### "Great Software" March 18, 2024 4.0 It has been good! Technical support has been wonderful. Pros It's easy to navigate and they are always open for implementations. Cons Does not have reports that can be customized. Reason for choosing The Mortgage Office It is a company with a great track record, it is in the country and the customer service is very good. Switched from [Margill Loan Manager](https://www.capterra.com/p/79849/Margill-Loan-Manager/) It didn't work with the type of services we offer. Review Source AS Amy S. Managing Principal Real Estate Used the software for: 2+ years ### "Ease of Use for Servicing Residential Loans" March 19, 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. Alternatives considered [i-servicing](https://www.capterra.com/p/33548/i-servicing/) Reason for choosing The Mortgage Office The demo and the features! Review Source MR Maria R. Director of Community Development Liaison Non-Profit Organization Management Used the software for: 2+ years ### "Director Of Community Development Liaison" May 24, 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 RG Raquel G. System Analyst Manager Investment Management Used the software for: 6-12 months ### "The Best Company to work with!" March 18, 2024 5.0 The program and its sales, implementation and training groups are top notch. Everyone is friendly, professional and respond to your needs in a timely manner. Pros Super easy to use and does all the thinking for you. Cons They are very busy (which is a good thing) but you don't always get a live person when you have a question. However, they always get back to you and are able to take care of your needs. Switched from [Margill Loan Manager](https://www.capterra.com/p/79849/Margill-Loan-Manager/) Wasn't going to work with what we were needing. Review Source IM Isamar M. Loan Servicer Banking Used the software for: 2+ years ### "Overall great and helpful" May 28, 2024 5.0 Pros Glenn and Xavier are knowledgeable and understand how our company works. Any issue that we have encountered has been resolved. It is awesome to know there is always a solution. Cons A great way to improve though, is to provide more training to employees or having a second set of eyes approve their guidance before creating a bigger problem on the system. When we encountered this problem it was still resolved. 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.