ACH Direct Debits
Automate payment collection by debiting borrower accounts directly for more consistent cash flow.
Features Hub
Explore All TMO Features
Everything you need to manage loans efficiently, all in one place.
Loan Origination
Streamline your application process with built-in credit checks, automated document generation, and tools for consistent reviews before funding.
Loan Servicing
TMO’s core servicing system handles everything from loan setup to payoff, with the flexibility to add specialized functionality as your needs grow.
Fund Management
Manage investment pools, support varying rates of return, and automate payment distributions as your borrowers pay down their loans.
Construction Management
Bring borrowers, lenders, and accounting teams into a single workflow: budget-linked draw requests, automated approval routing, and instant disbursement.
Feature Category
Borrower Portal
Give borrowers a self-service hub for submitting payments, accessing loan documents, messaging your team, and requesting draws.
Lender Portal
Equip lenders with interactive charts and graphs of their portfolio, plus access to investment offerings, shared documents, loan history, and a direct messaging channel.
Escrow Administration
Track and manage escrow payments for taxes, insurance, and other borrower obligations in one place.
Draw Manager
Manage construction lending with budget tracking, interest charges on available funds, and streamlined draw disbursements.
Trust Accounting
Manage trust accounts with precision and confidence. Track fund activity, maintain accurate balances, and ensure every transaction is properly recorded without manual work.
Consumer Credit Reporting
Report borrower payment activity to credit bureaus directly from your servicing system.
Adjustable Rate Mortgages
Manage loans with scheduled rate changes or index-based adjustments, plus automatic default interest rates when borrowers fall behind.
Single Sign-On (SSO)
Streamline access for enterprise teams with secure single sign-on integration.
DRE Reporting
Generate California DRE reports for private money mortgage loans without leaving your servicing system.
CDFI Reporting
Streamline AMIS reporting for community development financial institutions, pulling Treasury-funded loan activity directly from your portfolio data.
Commercial
Simplify commercial lending with flexible loan structures tailored to business financing needs.
Lines of Credit
Enable revolving credit lines that borrowers can draw from, repay, and access again as needed.
Graduated Term Mortgages
Set up loans with predetermined rate or payment changes on a fixed schedule, paired with default interest rates that activate after extended delinquency.
User Management
Configure granular, user-level access controls for each section of the software and standardize them with role-based permission templates to ensure consistency across your team.
Ready to power your business with The Mortgage Office?
Connect with our team to find the perfect combination of features to match your lending goals.