Loan Servicing:
Borrower Late Report Now Runs in Background
- The Borrower Late Report (located in Loan Servicing > Tasks & Reports > Loan Management Reports) has been updated to run as a background process. This means it no longer blocks the system while generating, allowing users to continue working while the report is processed.
- The “Preview” button has been renamed to “Generate”, and users will now receive progress updates via the Notification Center, including success or error messages when the report is complete.
Lender Statement of Account – Configurable Display for Late Charges & Property Info
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Added user-configurable option to display Late Charges as a separate column in the Account Activity section; Late Charges also now appear in the top-right corner of the report, showing YTD totals.
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Introduced an option to replace Borrower Name with the Primary Property Address in the Investment Portfolio and Funding Activity sections, improving clarity for property-based investments.
New Lender Portal – Legacy Portal Prompt to Explore the New Experience
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Added a pop-up to the old Lender View Central (LVC), inviting your lenders to explore the new Lender Portal. They’ll see a preview and a “Try the New Portal” button that takes them directly to the new experience with seamless login.
Fix: Borrower Info Not Saving Immediately After LO-to-LS Export
- Resolved an issue where borrower information edits in Loan Servicing would not save if made immediately after exporting a loan from Loan Origination. Users no longer need to refresh the page — changes will now save as expected on first attempt.
Misc
- Added a tooltip for Same-Day ACH behavior to clarify functionality
- Added attach function to various print receipts (e.g., Regular Payment, Other Cash, Payoff)
- Updated various modal behaviors for better consistency (i.e., close/refresh)
- Updated certain prepayment penalty options to update properly after changing dates for Account Closing Statement
- Added additional validations and improved error messaging to help with user experience
Loan Origination
Introducing Borrower Profile & Workflow Automation (Open Beta Launch)
Borrower Profile
Gain a borrower-centric view across all of your loans. With the new Borrower Profile, you can:
- View a centralized profile for each borrower, including all their active and past loans
- Update borrower details once and sync across associated loans
- Manage entity members, documents, and notes all in one place
Workflow Automations
TMO has implemented a workflow tool that will allow you to automate different aspects of your loan origination process. This release includes our very first automation, which lets you:
- Automatically advance loans to a new status when all conditions in a Condition Phase are cleared
- Optionally require approval before status changes (via email approval)
- Notify team members instantly when loan statuses update
Bug Fixes
- Added validation to the recently released Export with Template feature
- Made updates to the Reg Z and Reg Z itemization documents
TMO Pro
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Secure Upload Expansion – Now available for Loan Origination and Loan Servicing (Loans/Borrowers) in Canada and Australia, expanding beyond its initial U.S. release.
Introducing the New Lender Portal (TMO PRO Only)
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Refreshed Lender Portal UI: A modern, mobile-friendly interface is now available to lenders, improving navigation and accessibility across devices.
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Document Publishing Improvements: You can now publish any document or attachment to the Lender Portal using the enhanced Publish to Lender Portal workflow (see the Lenders > Attachments tab in PRO).
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Integrated Statement Publishing: Lender Statements and Notification of Electronic Deposit can now be published to the portal directly during statement generation.
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Clearer Loan & Property Details: We've improved how loan-level and primary property-level information is presented, reducing confusion and offering better clarity—especially when multiple properties are tied to a single loan.
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Transparency Enhancements: Lenders now see clearly displayed Interest Paid To and Billed Through dates on each loan, giving them better insight into payment timelines.
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Enhanced Investment Offerings: Lenders can now explore open investment opportunities through a polished, dedicated interface (publishing fee applies).
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Parallel Portal Support: The new portal is now live for TMO PRO clients, with the legacy Lenders View Central remaining accessible during the transition period.
To preview your own portal setup, use:
- https://lenders.themortgageoffice.com/login?coid=YOUR_PUBLISH_ID
- Example: https://lenders.themortgageoffice.com/login?coid=TMOWEB
Want a quick walkthrough? Check out this short video and tour to see what’s new and how it works:
Loan Servicing
- Improved refresh behavior of the Loan Summary/Overview
- Added tooltips to help clarify functionality (e.g. Same Day ACH)
- Updated RESPA Payment Statements to print on legal-size paper
- Improved 'Add New Lender' logic in Funding screens
- Fixed a bug that incorrectly displayed errors when using the 'Apply & New' button processing payments for billable loans (Construction, Commercial, Line-of-Credit)
- Fixed a bug preventing users from making additional changes to a loan after deleting a modification
- Fixed a bug with per diem calculations on 'Demand for Payoff' for billable loans
- Fixed a bug when creating a new loan from an existing loan that was in default
- Effective Date field has been added to the Insurance Details screen. When provided, the effective date is sent to insurance tracking service; if left empty, the submission date is used instead.
- A new “Publish Statements to Borrower Portal” option is now available when running billing with attachments for Commercial, Construction, and Line of Credit loans. This option ensures generated attachments are marked as available online for borrowers to review.
- “Write Letters to Multiple Borrowers”, when launched from a loan grid or SmartView, will only include records shown in the grid, including any applied filters. Opening the assistant from Tasks and Reports continues to show all borrowers, with additional filters still available within the tool.
- Accessibility updates: The top tab bar in TMO now fully supports keyboard navigation: users can cycle through tabs using Tab/Shift+Tab, open a focused tab with Enter, and close tabs via keyboard. A new tab drop-down appears when tabs exceed screen width, allowing keyboard access to switch or exit the list without selection. Top bar styles have also been updated for improved contrast and visibility.
- MPS (CMO) – Merge fields in the Holder Certificate email template now populate as expected when sending messages.
- MPS (Capital/Shares) – Improved the sorting logic for the Partners History Date column to ensure entries now appear in proper chronological order.
Loan Origination
- Updated the Condition Tracking Report to include conditions that do not have an Expected Date
- Added a search bar on the Document Maintenance and Forms Management pages
- Added a column in the Fields Dictionary to show which Forms a specific field can be found on
- Resolved an issue where conditions were not saving to the correct Condition Groups
- Addressed a loading error that caused a continuous spinning wheel when switching borrowers on the Borrower Application form
- Corrected a conflict that prevented Conditions and Loan Statuses (Picklists) from sharing the same Description
- Fixed data not updating properly upon initial load of the Loan Terms page
- Ensured printed documents are now correctly added to Attachments
- Restored access to open Notes from the Tablet view
- Added a link to 'Reinvite Borrower' to the online portal - fixing a previous bug that would occur if you opened the invite link and closed it without sending the invite
API
Loan Servicing:
For Commercial, Construction, and Line of Credit loans, API calls now use BilledToDate instead of PaidToDate. The NewLoan and UpdateLoan endpoints remain backward compatible by using PaidToDate if BilledToDate is not provided. GetLoan no longer returns PaidToDate for these loan types, so any integrations must be updated to reference BilledToDate:
For Commercial, Construction, and Line of Credit loans, API calls now use BilledToDate instead of PaidToDate. The NewLoan and UpdateLoan endpoints remain backward compatible by using PaidToDate if BilledToDate is not provided. GetLoan no longer returns PaidToDate for these loan types, so any integrations must be updated to reference BilledToDate:
- Terms.Commercial.BilledToDate for Commercial loans
- Terms.LOC_BilledToDate for Lines of Credit
- Terms.CON_BilledToDate for Construction loans
Loan Origination:
NewLoan and UpdateLoan endpoints now support Notes field
Loan Origination
- Added T-Bill lookup for Section 32 and Cal 32 loans
- Improved the Condition Tracking modal so that borrower uploaded documents automatically show up in the attachment tab
- Enhanced borrower portals so that when conditions are cleared by the lender, the status is updated to 'Accepted'
- Fixed Reg Z Itemization and MLDS 882 (Rev. 10/10) documents
Loan Servicing
- Fixed a bug causing issues with Account Closing Statements (Construction)
- MPS (CMO) – When printing certificates, the date format dropdown preview now updates instantly to reflect your selected date format.
Loan Origination
- Addressed an issue causing HUD-1A Addendums to not print
- Corrected some incorrect Field IDs in LPDS 851B (Form)
- Resolved a problem affecting the payment schedule in LPDS 851B (Document)
- Cleaned up various issues introduced with the release of the Export to LS w/ Template feature
May 27, 2025
Loan Servicing
- Fixed a bug with updating loan files after running escrow analysis
- Fixed a bug preventing users from processing lender debits using ACH/EFT (CPA 1464)
- We have updated insurance tracking service to submit properties as Vacant when "Vacant" is selected as occupancy in property details
- MPS (Shares) – Improved layout handling so Trustees with multi-line names or addresses can now be opened without interruption.
- Lender Amortization Schedule – Enhanced support for scenarios where a lender has made multiple investments with differing terms; all applicable amortization schedules are now clearly displayed.
Loan Origination
- Resolved an issue where documents pulled into a new loan (created from an existing loan) were being corrupted
- Corrected a problem preventing a condition group from being applied to a condition
- Restored the ability for users to download a HUD-1A
Online Portals
- Messages – Improved the sorting logic for the
Receive Datecolumn to ensure messages now appear in proper chronological order.
API
- Mortgage Pools: Introducing a set of endpoints allowing access to Shares Owned mortgage pools
more details
Loan Servicing
Insurance Tracking - Builder's Risk - Hazard and Builder's Risk - Flood insurance types are now available in the list of Insurance Descriptions and to be mapped to custom insurance descriptions in Insurance Tracking options
Resolved Issues
- Publishing when certain fields had too many characters
- Remarks for Late Notices & Insurance Expiration Notices
- Merge field for <Days_Late> in Borrower Late Notice
- Payment notifications from online payments were sometimes not being received
- Notification of Electronic Deposit now retains your "Create Attachments" checkbox preference
Loan Origination
Loan App Export - We released a feature that allows users to apply an LS template to a loan being exported from LO
- Made various improvements to the List Maintenance section
- Resolved an issue in List Maintenance that prevented certain modals from being closed
- Fixed a problem that occurred when attempting to combine and print documents
April 15, 2025
TMO Pro
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Company Default Regional Settings - A new Regional tab has been added to the General page in Database Options, allowing configuration of locale (country and date format) and currency symbol. By default, each database uses the regional settings of its server location (e.g., US, Canada, Australia). User preferences now include a “Use Company Default” option for regional settings - checked by default for new users and those without saved preferences, while others retain their custom regional settings.
Loan Servicing
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Payment Projections Report - This report now processes in the background through TMO’s Notification Center, allowing you to continue working without interruption. It’s especially helpful when running the report against large loan portfolios, as it no longer blocks other actions while generating.
Loan Origination
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Loan Applications - enhanced our loan application export so that applicants designated as Guarantor in the loan app will have their data sent to the Guarantor Application form
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Condition Tracking - When clearing a condition in Condition Tracking, TMO will now update the borrower portal to show the associated document as Accepted
TMO Pro
- We have consolidated all user preferences under user profile. Regional options are moved from Options screen to user profile page.
- The Clear Database Resources link has been moved to the General page under Options
- Secure File Upload now supports a wider range of valid email formats, including those with extended domain endings like .com.au
Loan Origination
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Lightning Docs: Our new and improved integration with Lightning Docs is now available to all TMO Pro customers!
. - Enhancements were made to Credit Reports to allow for credit to be pulled on Entity Members
- When exporting to Loan Servicing, we've added an option to include Trust Ledger Balances upon export
- We updated MLDS RE 885 so per diem amount displays 4 decimals instead of 2
- Fixed a bug that was causing searches to not work in certain custom forms when clicking the magnifying glass
Loan Servicing
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Extended Address Fields:Street address fields now support up to 128 characters, enabling longer addresses.
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NACHA ACH File Update:Names in ACH files will no longer be auto-capitalized. Names will appear exactly as configured in account and borrower settings to allow accommodating for the formatting requirements of different banks.
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Event Journal Logging:A record is now added to the events journal when a custom letter is printed for Borrowers, Lenders, Vendors, Holders, Partners, and Originating Vendors.
Lender/Vendor Select & Print Checks
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Improved Performance– Optimized to handle and process tens of thousands of outstanding payments, significantly reducing load times and improving responsiveness.
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Resizable Columns– Users can now adjust column widths, and Pro will retain preferences for future sessions.
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Expanded Selection Options– Users can now select multiple groups across different searches without losing previous selections and deselect individual recipients from a pre-selected batch without affecting the rest.
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Streamlined Selection Dropdown– Select All / Unselect All options have been consolidated into a single dropdown for a more intuitive experience.
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Enhanced Navigation– Users can now control the number of results displayed per page and navigate using page numbers to efficiently manage large data sets.
Canadian T3/T5 Tax Reporting
- Implemented various improvements to ensure T3/T5 tax reporting complies with the latest Canadian Revenue Agency (CRA) XML schema, meeting stricter accuracy and validation requirements.
Various Bug Fixes
- Updated refresh issue when manually applying online payments
- Removed templates from recipients list when sending messages
- Fixed an issue that would sometimes cause syncing issues with messages
- Fixed an issue that caused double notifications to be sent from online portal activity
- Fixed syncing issue between grids and the customize grid options
- Fixed various Construction voucher issues
Loan Origination
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LO Borrower Portal- Fixed an issue causing messages to the borrower to be duplicated when hitting 'Enter'
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Transferring Documents to LS- Fixed an issue causing documents to corrupt when transferring form LO to LS
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Condition Tracking- Fixed a bug preventing some conditions from being editable
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Forms and Documents from Templates- Fixed a bug that was causing all forms and documents to show up, ignoring the configuration of the template.
Loan Servicing
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Insurance TrackingThe Insurance Tracking Options screen now allows assigning a type for each custom insurance description. The assigned insurance type will be used when submitting to insurance tracking service. This will allow enrolling existing loans in insurance tracking while maintaining custom insurance descriptions.
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Improved SafeguardsImplemented additional validations to mitigate accidents and user-error.
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AttachmentsFixed issue when transferring attachments from LO to LS.
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Interest Differential DistributionFixed an issue when accessing this modal from the Terms tab.
Loan Origination
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Conversation LogFixed a bug so that the Created By field is populating with the user who added the conversation
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Loan Funding TableFixed a bug causing rounding errors in the sum of the PCT OWNED column
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Creating loansFixed an issue that caused created loans to not include documents and forms from the other loan that was used as the Source.
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Borrower Overview PageWe've released the Borrower Overview Page to all customers. We also fixed a bug that impacted the Borrower Overview Page if "No Currency" was selected in Regional Settings
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List Maintenance: Loan StatusFixed a bug that showed an error when trying to delete a Loan Status
January 24, 2025
TMO Pro
Secure File Upload: Added a secure file upload feature that enables users to safely upload documents with encrypted transfers, generating unique, trackable links for each borrower or party. These links are directly tied to the corresponding loan file, and all uploaded files will appear in the Attachments section for easy access and management. Additionally, users can opt to receive notifications once the upload is complete, streamlining the process and ensuring seamless communication.
To get started, click the "Generate Secure Upload Link" from the Actions menu on the Loan Origination or Loan Servicing grids:
Tax Form Print & Mail:
Updated to prevent text from overflowing outside the box on the 1098/1099 tax forms for users of TMO's Print & Mail Service, specifically for when a name or address is too long. This update applies to any forms submitted on/after January 1st, 2025.Loan Servicing
Prepayment Penalties:
Added additional prepayment stepdown penalty options — 4 3 2 1 (Years) Percent of Amount Prepaid & 2 1 (Years) Percent of Amount Prepaid.
Insurance Tracking:
We have added logging of changes that may cause insurance tracking to be deactivated. This included deactivating insurance policy, deactivating tracking on the loan and other fields critical to keep insurance tracking active. We have also added a warning message that shows when deactivating insurance policy to help prevent mistakes.
Trust Accounting:
Client Balances Report:
The Client Balances Report now includes a "Client Type" column, providing more detailed insights. Additionally, users can now sort the report by either Account Type or Client Type for enhanced flexibility and organization.
January 7, 2025
TMO Pro
- Added intelligent autocomplete functionality to property address fields, enabling users to quickly select from USPS-verified addresses as they type.
- Taxes & E-Filing: Added support for e-filing with ATIN and ITIN TIN types.
Loan Servicing
- Prepayment Penalties: Added additional prepayment penalty options: 3 2 1 (Years) Percent of Original Amount & 3 2 1 (Months) Percent of Original Amount.
API
Loan Servicing: getLenders and GetLendersByTimestamp endpoints now support pagination using PageSize and Offset request header.
Loan Servicing: Escrow Voucher API has been updated to include following fields:
- VoucherType
- ProeprtyRecID
- InsuranceRecID
Loan Servicing: NewLoan, GetLoan and UpdateLoan endpoints has been modified to include following fields in Co-Borrower details:
- DeliveryOptions
- CCR_AddressIndicator
- CCR_ResidenceCode
- AssociatedBorrower
- Title
- PercentOwnership
- AuthorizedSigner
- LegalStructureType