# Page 3 | The Mortgage Office Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 3 - Is The Mortgage Office the right Loan Origination solution for you? Explore 285 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/9277/The-Mortgage-Office/reviews --- The Mortgage Office 4.8 (285) 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 March 13th, 2026 # Page 3 - Reviews of The Mortgage Office ## Showing most helpful reviews Showing 51-75 of 285 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use 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 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 Sandra T. Office Manager Insurance Used the software for: 2+ years ### "Complete & Powerful Software Program with add on Modules giving you options to expand your services." December 14, 2017 5.0 Pros The software handles all aspects of Loan Servicing within the program. The integration of the different modules makes using the program seamless. I have used several Forms Design programs in the past and the Custom Letters & Reports program is well designed and extremely east to use. Cons I have been involved in writing a custom Collection Program, integrating an Accounting Program with other Loan Servicing Software as well as using other Loan Servicing Software for 27+ years and by farm The Mortgage Office is the BEST. To answer your question what I like least about the program is that it is a Massive and covers every aspect of Loan Servicing; which makes it the BEST of programs. Review Source JH Julie H. COO Banking Used the software for: 1-2 years ### "Just getting started" June 12, 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. Reason for choosing The Mortgage Office We choose The Mortgage Office for its capability in processing payments, in handling participations, the expected ROI, and because of the people that support the product. Is it perfect? No, but with the enhancements that are being made it's getting darn close! 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 KK Kevin K. Servicer Real Estate Used the software for: 2+ years ### "The Mortgage Office for Servicing" August 3, 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 IG Imelda G. Accounts Receivable Administrator Financial Services Used the software for: 2+ years ### "Overall Experience Using Loan Office Software" July 10, 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 ATK Annpriya T K. Controller Banking Used the software for: 2+ years ### "Awesome software very useful" June 14, 2024 5.0 Good software. Will highly recommend this software for any data management needs. Thank you! Pros Very user friendly and good to use. Can keep track of all needed information in one place. Cons Needs a little adjustments. Overall a good tool. 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 JC Jason C. President Financial Services Used the software for: 2+ years ### "Overall A quality software with minor amendments required" September 27, 2019 5.0 Very good. I would recommend it highly over the other options available on the market. Pros The software is the most comprehensive software on the market without going to customization. For a small to medium-size firm, I would highly suggest this to be your best solution. Cons There are certain issues with the software which should allow a bit of customization. In the mortgage industry, there are unique cases all the time, the software limits certain items rather than allowing the user to customize the options. There is typically a workaround, however, giving the user a bit more freedom would have been preferred. However, it is still the best non-custom software on the market. Alternatives considered [MortgageHalo](https://www.capterra.com/p/173535/MortgageHalo/)[MIC Manager](https://www.capterra.com/p/54249/MIC-Manager/)[Salesforce Sales Cloud](https://www.capterra.com/p/61368/Salesforce/) Reason for choosing The Mortgage Office Ease of use 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 RH Richard H. Investor Services Manager Real Estate Used the software for: 2+ years ### "A+ 10/10 Software" November 12, 2022 5.0 great, I love the seminars and support team. Pros The support team for TMO is great, they spent hours on the phone with my team to help resolve technical problems we had. No software I've used (personally and professionally) offered this much support. We had a TMO support person on a zoom call for almost 2 hours with my boss, colleague, and IT team. I would highly recommend TMO; their support team makes the software easy to use even for novices. Cons Some excel report version of reports TMO can generate have odd formatting, due to being PDF to XLS exports. However, this can be easily resolved by editing the excel on your own after export. 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 BN Brenda N. Director, Lending Operations Financial Services Used the software for: 2+ years ### "Exceptional!!" May 27, 2024 5.0 We have been a client of Applied Business Software for over 18 years and even though there are alternate products available, we have found that the TMO speaks to the versatile and flexibility it provides our company and technician support services .... simply does not compare!!! Therefore .... exceptional!!! I would recommend this program serviced by ABS to anyone. Pros Simple and easy management of our loans. Cons Not being able to process yearly Canadian T5 forms. Reason for choosing The Mortgage Office No other software program was available that suited our needs. 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 SB Sohail B. President Financial Services Used the software for: 6-12 months ### "TMO User" September 21, 2020 5.0 Pros We have been using The Mortgage Office for several months and been very pleased with our experience. The software does everything we initially set out to accomplish and then some. The Mortgage Office has best in class reporting features which are a huge selling point for our clients. We have had several clients switch from other servicers primarily for the software's ability to generate adhoc reports online. Their support is second to none. Always responsive and very helpful. Our initial learning curve was made easy just because of the tremendous amount of support we received. Cons The software is hosted on a virtual computer and I wish it was web based. This is not really con. More so a personal preference. Alternatives considered [LOAN SERVICING SOFT](https://www.capterra.com/p/135272/LOAN-SERVICING-SOFT/)[LoanPro](https://www.capterra.com/p/158549/LoanPro-Software/)[The Nortridge Loan System](https://www.capterra.com/p/44128/The-Nortridge-Loan-System/) Reason for choosing The Mortgage Office The software is very robust with more features than other products. Better reporting. Accurate financial calculations. Review Source James M. Owner Banking Used the software for: 1-2 years ### "Huge help for me to streamline my business " April 25, 2018 5.0 Pros The ability it has given me to focus on making deals and not updating 100 different spreadsheets. I was working between spreadsheets daily, updating new loans, draws , and investor payments. Having this all in one place has been a game changer! Cons Not much to complain about, really like it a lot. We have found a few kinks in the system as far as reporting and payment but we generally have found a work around and most of it was probably user error and just getting to know the system! Review Source EF Evan F. Managing Director - Operations Used the software for: ### "Robust loan servicing package with institutional scalability" April 23, 2015 5.0 1: We have found TMO to be highly functional. TMO performs core loan servicing very well. The development team has a deep understanding of the private lending business. The learning curve is steep, so I recommend the 2 day course which is well worth the money you will spend and the time you will save by not doing things incorrectly. The compiled help is a great reference guide for intermediates or advanced users and is well maintained. 2: We have found TMO to be scalable. One of our requirements was deploying the software across multiple physical locations. Although we encountered initial hiccups in set up, these were due to MS Office (MSO) 2010's default security settings (TMO relies upon MSO to create its attachments via mail merge). Once our IT team pinpointed the MSO security settings issue (which was quite intricate and required updating registry keys), we were able to effectively scale to 2 client workstations in 1 physical location pointing back to a SQL server at an off-site data center. The option of upgrading to the SQL version (available as another add-on 'module') gave us the confidence in the beginning when we first purchased the JET (MS Access) version that the software is robust and scalable. Our SQL upgrade and proof of concept across multiple physical locations confirmed the software is robust and scalable, and this area of functionality has performed well for us. The SQL migration tool that ABS provides made the transition fairly seamless. 3: 'Sustainable' means the software should have a long shelf life and be upgraded on a regular basis. In our 3 years there have been numerous upgrades although some were unfortunately forced, and I can't recall much new functionality being added ' most of the updates were patches or new functionality for Loan Origination or other modules we were not using. However, the platform has been around (and augmented) for 30+ years. In summary, I think the software is robust and powerful, and I give the software development team top marks in creating and maintaining an excellent product. Also AJ Poulin their VP of Sales is a pleasure to deal with, is well respected in and has deep roots in the private lending industry, and has a lot of integrity. Review Source Eric C. Founder and CEO Financial Services Used the software for: 2+ years ### "The Mortgage Office is very capable software. " June 20, 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 MC Michelle C. VP Administration Real Estate Used the software for: 2+ years ### "Thank you \[SENSITIVE CONTENT HIDDEN\]" January 18, 2020 5.0 Pros The software can be tricky at moments, but having \[SENSITIVE CONTENT HIDDEN\] to help was extremely convenient. He went above and beyond to get our insurance certificates implemented in the software, and we are extremely greatful for his determination! Other than just this task, \[SENSITIVE CONTENT HIDDEN\] has shown he is very determined and works diligently to help us with all our questions, since we have just hired new employees and switched locations. We appreciate his time and consideration for our company very much. Cons The thing we like least about the software is the common glitching, and having to close out and re open for it to show the correct information Review Source RP Rohit P. Managing Member Financial Services Used the software for: 1-2 years ### "Great working Modules with support at hand." August 19, 2019 5.0 Having friendly and professional statements for Loans, Investors which can be e-mailed & printed. Pros TMO has culminated over decades of work in loan servicing software. Rep has lot of in-depth knowledge that he passes on in the Seminar. Wish we had done this seminar when we purchased the software. We are very keen in trying the easy methods. Also the Support team help is great. We are not utilizing all the modules. But their integration of ACH, emails, Text messages are very helpful. All the staff is eager to help. Sales & Marketing team was awesome. PLEASE ATTEND THE SEMINAR AFTER YOU DIVE INTO THIS SOFTWARE. Earlier the better. Cons For odd loans/transactions it may be customized but the cost can be high. For those we are still using Excel spreadsheets Review Source DE Daniel E. HOC Manager Real Estate Used the software for: 1-2 years ### "The bar has been set for what Customer Service/Support should be" May 27, 2022 5.0 Our experience has been nothing short of excellent and everything you could hope for to support a Servicer that is new to the industry. Support has been extremely responsive and always has helped us resolve an issue, find a solution and answer our questions within a relatively short period of time. Pros ease of use and excellent support from ABS. Cons Very minor but could use a few more Letters Review Source JV Julie V. Vice President of Payment Acceptance Information Technology and Services Used the software for: 2+ years ### "TMO Review" December 19, 2023 5.0 I would stay with this software for as long as I have my business. Pros Works efficiently and the team is very knowledgable. Theyn have a great support staff as well. Cons I did not find anything that did not work well. Review Source JC Jean C. Loan Servicing Specialist Non-Profit Organization Management Used the software for: 2+ years ### "Loan Servicing Specialist" July 18, 2022 5.0 My experience with Mortgage office has been good. Pros Easy to use and get reporting when you get the system set up . Cons Having to set up templates and custom letters . 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