--- title: How to add or edit general terms of a loan? description: This article discusses how to add or edit general terms of a loan. --- [Skip to content](https://help.themortgageoffice.com/knowledge/how-to-add-or-edit-terms-of-a-loan#main-content) [![TMO-LO~1](https://help.themortgageoffice.com/hs-fs/hubfs/TMO-LO~1.png?width=200&height=65&name=TMO-LO~1.png)](https://www.themortgageoffice.com/) - [Platform](https://www.themortgageoffice.com/products/) Show submenu for Platform - [Loan Servicing](https://www.themortgageoffice.com/products/loan-servicing-software/) - [Loan Origination](https://www.themortgageoffice.com/products/loan-origination-software/) - [Fund Management](https://www.themortgageoffice.com/products/fund-management-software/) - [Knowledge Hub](https://www.themortgageoffice.com/knowledge-hub/) Show submenu for Knowledge Hub - [Blog](https://www.themortgageoffice.com/blog/) - [Resources](https://www.themortgageoffice.com/resources/) - [Webinars](https://www.themortgageoffice.com/resources/?_resource_types=on-demand-webinars) - [Seminars](https://www.themortgageoffice.com/seminars/) - [FAQs](https://www.themortgageoffice.com/frequently-asked-questions/) - [Release Notes](https://help.themortgageoffice.com/knowledge/release-notes) Open main navigation Close main navigation - [Platform](https://www.themortgageoffice.com/products/) Show submenu for Platform - [Loan Servicing](https://www.themortgageoffice.com/products/loan-servicing-software/) - [Loan Origination](https://www.themortgageoffice.com/products/loan-origination-software/) - [Fund Management](https://www.themortgageoffice.com/products/fund-management-software/) - [Knowledge Hub](https://www.themortgageoffice.com/knowledge-hub/) Show submenu for Knowledge Hub - [Blog](https://www.themortgageoffice.com/blog/) - [Resources](https://www.themortgageoffice.com/resources/) - [Webinars](https://www.themortgageoffice.com/resources/?_resource_types=on-demand-webinars) - [Seminars](https://www.themortgageoffice.com/seminars/) - [FAQs](https://www.themortgageoffice.com/frequently-asked-questions/) - [Release Notes](https://help.themortgageoffice.com/knowledge/release-notes) - [Contact Support](https://help.themortgageoffice.com/knowledge/kb-tickets/new) [Contact Support](https://help.themortgageoffice.com/knowledge/kb-tickets/new?hsLang=en) How can we help you? - There are no suggestions because the search field is empty. 1. [Knowledge Base](https://help.themortgageoffice.com/knowledge?hsLang=en) 2. [Loan Servicing](https://help.themortgageoffice.com/knowledge/loan-servicing?hsLang=en) 3. [Terms](https://help.themortgageoffice.com/knowledge/loan-servicing?hsLang=en#terms) October 9, 2026 # How to add or edit general terms of a loan? ## This article discusses how to add or edit general terms of a loan. ### **To add or edit the General terms:** - Click on the ![running](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/running.png?width=15&height=15&name=running.png) **Loan Servicing** drop-down in the left panel of The Mortgage Office®. - From the ![running](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/running.png?width=15&height=15&name=running.png) Loan Servicing drop-down, click the **Loans** drop-down. - Click **All Loans** from the Loans drop-down. - From All Loans the grid, select the loan record you want to **modify**. TIP: If the record you want to edit is not visible, use the grid's vertical scroll bar to scroll the contents of the grid up or down, or click ![FindSearch icon box](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/FindSearch%20icon%20box.png?width=188&height=22&name=FindSearch%20icon%20box.png) **Find** to search for the record by entering your own search criteria. For additional information see [How to use find](https://help.themortgageoffice.com/knowledge/how-to-use-find?hs_preview=HVOdZgqP-118552067706&hsLang=en) and [How to use the data grids](https://help.themortgageoffice.com/knowledge/how-to-use-the-data-grids?hs_preview=iGfLglJv-112766338347&hsLang=en). - Click ![edit](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/edit.png?width=15&height=15&name=edit.png) from the options available on the top panel or **double-click** on the record to open it. - Click ![list check 60](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/list%20check%2060.png?width=22&height=17&name=list%20check%2060.png) **Terms** from the navigation panel on the left, and select the **General** Tab. - **Add** or **Edit** information to the following sections and fields: ### **General:** | **Field:** | **Description:** | | --- | --- | | **Original Amount** | Enter the original amount of the loan. | | **Note Rate** | Enter the loan's annual interest rate. This is the interest rate used to calculate borrower's interest due. | | **Sold Rate** | Enter the annual interest rate to pay participating lenders. TIP: To enter a **Sold Rate** you must first select the checkbox (![image-png-Jun-07-2023-04-54-07-9506-PM](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/image-png-Jun-07-2023-04-54-07-9506-PM.png?width=17&height=15&name=image-png-Jun-07-2023-04-54-07-9506-PM.png)). Once selected, the Sold Rate is a hyperlink which can be clicked to open the **Interest Differential Distribution** window. The Interest Differential is the difference between the **Note Rate** and the **Sold Rate** of the loan. This differential can be shared between one or more vendors and lenders, in addition to the broker. In many cases, one of these entities is the originating vendor. Some brokers share the interest differential with loan officers or investment counselors. Any part of the interest differential that remains **undistributed** is paid to the **BROKER**. TIP: Often times, loans are offered to participating lenders at a **lower** rate, allowing the servicer and originating vendor to share in the interest differential. NOTE: If this is a fractionalized loan (funded by more than one lender), all lenders are paid the **same** Sold Rate. You can use the Sold Rate in conjunction with lender servicing fees to arrive at **different** interest rates per lender. Leave the **Sold Rate** ![image-png-Jun-07-2023-04-54-07-9506-PM](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/image-png-Jun-07-2023-04-54-07-9506-PM.png?width=17&height=15&name=image-png-Jun-07-2023-04-54-07-9506-PM.png) unchecked if the interest rate to the lenders will always be the same of the note rate. This is absolutely **critical** for loans that will have changes in the note rate (e.g., ARMs and GTMs). | | **Priority** | Select the loan priority from the drop-down list. | ### **Unearned Discount / Fees:** | **Field:** | **Description:** | | --- | --- | | **Current Balance** | Enter the amount of the unearned the discount. This amount will be updated automatically as payments are entered according to the **Accrual Method** selected below. | | **Accrual Method** | Select the methodology used to calculate the discount earned. The available options are listed below: None The system will not calculate the earned discount. Discount Ratio This option will calculate the earned discount of each payment's portion allocated to principal using the following formula: Earned Discount = (Principal Paid / Principal Balance) x Current Balance of Unearned Discount TIP: The entire balance of unearned discount is immediately recognized as income if the loan is paid off. TIP: Partial loan principal pay downs before maturity causes proportional dispositions of the unearned discount. TIP: For interest-only loans, the unearned discount may not be recognized as income until the payoff. Remaining Term This option calculates the earned discount of each regular payment by dividing the current unearned discount balance by the number of remaining payments: Earned Discount = Current Balance of Unearned Discount / Remaining Payments to Maturity TIP: The entire balance of unearned discount is immediately recognized as income if the loan is paid off. TIP: This method is similar to Straight Line Amortization where each earned discount is recognized as income with each regular payment, even on interest-only loans. At Maturity The unearned discount balance is earned all at once when the loan's principal balance is fully paid. | ### **Important Dates:** | **Field:** | **Description:** | | --- | --- | | **Closing** | Enter the date the loan **closed**/funds were disbursed to the borrower. Generally, this is the date interest begins to accrue. | | **First Payment** | Enter the date of the **first** payment. TIP: When setting up the loan for the first time, the First Payment and Next Payment dates are **equal**. TIP: This date is required to calculate the 15-year Amortized Payment amount for **Option ARMs**. | | **Purchase** | If applicable, enter the date the loan was **purchased**, otherwise leave it blank. | | **Booking** | Enter the date in which this loan was **booked** or entered into the system. This date is used to generate several statistical and management reports. For example, if you are a servicer, enter the date in which you started servicing this loan. | | **Interest Paid to** | Enter the date interest is paid to. This date is always in arrears and a period earlier than the Next Payment Due date. **For example:** the paid to date for a loan with a monthly frequency and a next payment due date of 5/1/2007 is 4/1/2007. NOTE: This field does **not** apply to Lines of Credit or Construction loans. TIP: When entering regular payments, the system automatically calculates odd-days interest if the period between the **Interest Paid** **To** and **Next Payment** is not a regular period, even if the loans **Interest Accrual Method** is set to **Regular Period**. **Initial Long Period**: Loan is closed on 5/10/2007 with the first payment due on 7/1/2007. Enter 5/10/2007 in the **Interest Paid To** field and 7/1/2007 in the **Next Payment** field. When the first payment is entered, the system will accrue interest correctly from 5/10 to 7/1 and advance the **Next Payment** date to 8/1. | | **Billed Through** | This is the date finance charges have been assessed through (inclusive). This field is **read-only** and only applies to Lines of Credit or Construction loans. TIP: Changes to this field must be made from the loan file, in the Construction or Line of Credit **tabs** on the ![Terms from drop-down on Borrower page-](https://help.themortgageoffice.com/hs-fs/hubfs/Terms%20from%20drop-down%20on%20Borrower%20page-.png?width=16&height=13&name=Terms%20from%20drop-down%20on%20Borrower%20page-.png) **Terms** page. | | **Next Payment** | Enter the date of the next scheduled **payment**. | | **Next Revision** | Enter the date of the next scheduled **revision**. The system will alert you when the revision date expires on a loan. TIP: We recommend you use [Reminders](https://help.themortgageoffice.com/knowledge/reminders?hs_preview=kKDMpVcR-122358976687&hsLang=en) instead since they provide you with much more functionality. | | **Maturity** | Enter the maturity date for the loan. This is the date on which the loan must be **paid in full**. | | **Paid Off** | If entering a paid loan, enter the date the loan was **paid off**. For active loans, leave this field empty. The system will automatically enter the date when the loan is eventually paid off. | ### **Loan Balances:** | **Field:** | **Description:** | | --- | --- | | **Principal Balance** | This is the current **principal** amount due. This is a read-only field and can only be updated through [Funding](https://help.themortgageoffice.com/knowledge/how-to-add-conventional-funding-in-loan-files?hs_preview=TekXerFw-123638306159&hsLang=en) or transaction processing. | | **Trust Balance** | This is the loan's current balance in the Loan Servicing **Trust Account.** This is a read-only field and can only be updated through transaction processing and adjustments. TIP: Click ![pencil-alt-solid 15px](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/pencil-alt-solid%2015px.png?width=15&height=15&name=pencil-alt-solid%2015px.png) to enter an **adjustment** or when setting up a loan with a trust balance. Adjustments are posted to both the loan history and the client trust ledger. TIP: Click the **hyperlink** to open the client trust ledger. | | **Unpaid Late Charges** | This is the total amount of **late charges** that have been assessed but not yet paid. This is a read-only field. Generally late charges are assessed and paid through payment processing. TIP: Click ![pencil-alt-solid 15px](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/pencil-alt-solid%2015px.png?width=15&height=15&name=pencil-alt-solid%2015px.png) to enter an adjustment or to enter unpaid late charges when setting up a loan. NOTE: For Lines of Credit and Construction loans, an adjustment to unpaid late charges also adjusts the **current payment amount** due. | | **Unpaid Charges** | This is total amount of **charges owed**. This is a read-only field. Generally, loan charges are paid through payment processing. TIP: Click ![pencil-alt-solid 15px](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/pencil-alt-solid%2015px.png?width=15&height=15&name=pencil-alt-solid%2015px.png) to open the Loan Charges window and add, edit or delete charges. | | **Unpaid Interest** | This is the total amount of **unpaid interest** due on the loan. Generally, unpaid interest results when the amount of the borrower's payment is **insufficient** to cover the amount of **interest due**, and you checked ![image-png-Jun-07-2023-04-54-07-9506-PM](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/image-png-Jun-07-2023-04-54-07-9506-PM.png?width=19&height=16&name=image-png-Jun-07-2023-04-54-07-9506-PM.png) Add Negative Amortization to Unpaid Interest option in the **[Loan Terms Options](https://app.hubspot.com/knowledge/6371232/edit/125642665869)** section. Generally, this field is **updated** through payment processing. TIP: Click ![pencil-alt-solid 15px](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/pencil-alt-solid%2015px.png?width=15&height=15&name=pencil-alt-solid%2015px.png) to enter an adjustment. NOTE: For Lines of Credit and Construction loans, the finance charges that are assessed during billing are **added** to the loan's unpaid interest balance and **reduced** when the payment is received. NOTE: For Lines of Credit and Construction loans, an **adjustment** to unpaid interest also adjusts the current payment amount due. | ### **Payment Frequency:** | **Field:** | **Description:** | | --- | --- | | **Frequency** | Select the payment frequency from the drop-down list. The available options are: None Single payment due at maturity. Monthly Every month, or 12 payments per year. Quarterly Every 3 months, or 4 payments per year. Bi-Monthly Every 2 months, or 6 payments per year. Bi-Weekly Every 2 weeks, or 26 payments per year. Weekly Every 7 days, or 52 payments per year. Every 15 Days Every 15 days, or 24 payments per year. TIP: The Next Payment date is incremented by exactly 15 days; therefore, the payment's due day will vary. Twice a Month Every 15 days, or 24 payments per year. TIP: The Day Due must be between 1 and 16. TIP: The Next Payment date is incremented by exactly 15 days, but the last payment is never past end of month. See examples below: Day Due:  1 -- Payments are due on the 1st and the 16th of every month. Day Due:  5 -- Payments are due on the 5th and the 20th of every month. Day Due: 15 -- Payments are due on the 15th and the 30th of every month, except in February in which the second payment is on February 28th or 29th (end of month). 15th and EOM First payment due on the 15th and the second payment at the End of the Month. TIP: The Day Due must be the 15th. Semi-Yearly Every 6 months, or 2 payments per year. Yearly Every 12 months, or 1 payment per year. | | **Day Due** | Enter the day of the month on which payments are due. TIP: If you enter 29, 30 or 31, the system automatically adjusts the **Next Payment** date (after a regular payment is applied) to the **Day Due** if possible, otherwise to the earliest valid date.  For example, if you set the **Day Due** to the 30th, then after applying a payment, the system will adjust the **Next Payment** date to January 30th, February 28th (or 29th if a leap year), and the 30th of every other month. TIP: If you set **Day Due** to the 31st, then all payments will be due at the **end** of each month. | ### **Regular Payment:** | **Field:** | **Description:** | | --- | --- | | **P & I** | Enter the amount of the total paymentto be **applied** towards principal and interest. NOTE: For Lines of Credit and Construction loans, this amount represents the amount of the last billing, **plus** past due payments, **less** payments made this period. This amount may **vary** during the month as finance charges are assessed and payments are made. A zero value indicates the borrower paid the billed amount **in full**. TIP: Click ![pencil-alt-solid 15px](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/pencil-alt-solid%2015px.png?width=15&height=15&name=pencil-alt-solid%2015px.png) to open the **Calculate P & I** window that displays the following options: - **Current P & I**. This is the current amount in the field. - **Fully Amortized (To Term)**. This is the amount necessary to pay both the principal and interest in full at the maturity date in substantially equal payments. It is calculated on the assumption that the current interest rate will remain in effect for the remaining term of the loan. - **Fully Amortized (30 years)**. This is the amount necessary to pay both the principal and interest in full within a 30 year term from the first payment due date in substantially equal payments. It is calculated on the assumption that the current interest rate will remain in effect for the remaining term of the loan. - **Fully Amortized (15 years)**. This is the amount necessary to pay both the principal and interest in full within a 15 year term from the first payment due date in substantially equal payments. It is calculated on the assumption that the current interest rate will remain in effect for the remaining term of the loan. - **Interest Only**. This payment option pays only the interest due on the loan. - **Constant Amortization**. Enter a fixed amount to be applied to principal. To fill a value into the **P & I** field, select the radio next to the option and click ![OK](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/OK.png?width=52&height=21&name=OK.png) **OK**. TIP: The **CAM loan,** in a nutshell, is a loan in which the borrower pays interest on the remaining principal, plus a fixed amount to principal each period. | | **Reserve** | Enter the amount of the total regular payment to be applied towards **Reserve**. TIP: This text box is set to read-only if **RESPA** ![image-png-Jun-07-2023-04-54-07-9506-PM](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/image-png-Jun-07-2023-04-54-07-9506-PM.png?width=20&height=17&name=image-png-Jun-07-2023-04-54-07-9506-PM.png) is selected under the loan Details tab. | | **Impound** | Enter the amount of the total regular payment to be applied towards **Impound**. The [Escrow Administration](https://help.themortgageoffice.com/knowledge/escrow-administration-glossary-of-terms-definitions?hsLang=en) module **automatically** updates this amount with the loan's new escrow payment when the escrow analysis is performed. | | **Other Payments** | This is the amount of the regular payment to be applied towards **other payments**. Other Payments are recurring, regular, "pass-through" payments included in the regular payment. Other Payments can be used to pay things like HOA dues, borrower servicing fees, or payments to senior liens, etc. The system allows for an **unlimited** number of Other Payments.  This is a read-only field. TIP: Click ![pencil-alt-solid 15px](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/pencil-alt-solid%2015px.png?width=15&height=15&name=pencil-alt-solid%2015px.png) to open the [Other Payments](https://help.themortgageoffice.com/knowledge/how-to-add-other-payments-in-terms-of-a-loan?hs_preview=GoYwHCdu-122368766577&hsLang=en) window and add, edit or delete other payments. | | **Total Payment** | This is a calculated field displaying the sum of the **P&I**, both **Trust,** and **Other Payments** fields. | - Click ![APPLY](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/APPLY.png?width=15&height=15&name=APPLY.png) to save or ![ban-solid](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/ban-solid.png?width=15&height=15&name=ban-solid.png) to abort changes. - [Getting Started](https://help.themortgageoffice.com/knowledge/getting-started?hsLang=en#main-content) - [General](https://help.themortgageoffice.com/knowledge/getting-started?hsLang=en#general) - [Basic Information](https://help.themortgageoffice.com/knowledge/getting-started?hsLang=en#basic-information) - 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