# The Mortgage Office Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is The Mortgage Office the right Loan Servicing 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 # Reviews of The Mortgage Office Ease of use 4.7 Customer Service 4.8 ## Pros and Cons in Reviews 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. “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 JW Jordan W DirectorFinancial Services, 11 - 50 employeesUsed the software for: 1-2 years. “It offers strong features for tracking loans, managing data, and generating reports.“ January 5, 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 AE Ashlee E Accounting SpecialistInvestment Management, 11 - 50 employeesUsed the software for: 1-2 years. “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.“ June 13, 2024 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 AV April V Loan ProcessorReal Estate, 2 - 10 employeesUsed the software for: More than 2 years. “The platform is much more streamlined and efficient, and it’s made managing loans and servicing far easier than before.“ December 19, 2025 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 ## Showing most helpful reviews Showing 1-25 of 285 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use 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 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 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 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 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 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 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 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 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 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 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 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 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 EC Eric C. CEO Financial Services Used the software for: 2+ years ### "Top-knotch product" September 15, 2021 5.0 It's been spectacular. Pros It's a great platform. What I like most is the developers are constantly making valuable improvements to the software. When new releases are launched, all involved are excited to see the new features. We've seen the software evolve in the last 10 years and it is now just as good, if not better than the most expensive products available. As a loan servicing company, we've seen data arrive from other servicers who utilize different software providers and we can quickly distinguish that TMO is a far superior product. We also utilize a lot of custom SQL scripts that make large edits extremely easy to do. The escrow module is second to none. Cons There is a small learning curve and it did take us some behind-the-scenes SQL customizations to accomplish our goals. I have nothing negative to say, it's truly the best. Reason for choosing The Mortgage Office I have considered exploring other products but ultimately discovered no competitor was capable of handling escrow as well as TMO. 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 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 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 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 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 JA Jerrel A. Managing Partner Financial Services Used the software for: 2+ years ### "Big Fan" June 23, 2022 5.0 very good experience Pros It's easy to use, helps me create a positive impression with borrowers and makes running my business easy. Cons Id love a plugin that helped more with escrow management, calendering and managing tax and ins payments. I use TLO and it is not available. Id also like to transfer my several loan files to the online system, but my setup makes this impractical. 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. Review Source Scott F. Capital Markets Used the software for: 1-2 years ### "Surprisingly Impressed" March 6, 2017 5.0 I am rarely impressed with new application specific software, most of the time the developer has not considered the many facets and nuances of the industry or its participant's workflows and as a result has a generic product that is 80% effective. After exhaustive searching, demonstrations, and trial periods, The Mortgage Office was the most logical choice for us. I have been through many enterprise software Implementations, and all of them were time-consuming and frustrating, I can say The Mortgage Office is easier than most. Support is knowledgeable and responsive. There are many customizable features which is great; but also takes some time getting familiar with them all to make it operate the way you want. Overall we have been very happy with the results, our servicing time has decreased by more than 50% and at the same time accuracy has improved. Pros Great Customer Support, Reliable, Accurate Cons Customized reports are difficult, no cloud-based option Review Source Talk to a Capterra advisor for free and get results within 15 minutes.