Mortgage Accounting and Bookkeeping Services

Transform your back-office with AI-powered mortgage accounting and bookkeeping services built for compliance, scalability, and investor-grade accuracy.

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The complex structure of investor reporting, multi-jurisdictional compliance regulations, and loan-level financial tracking that mortgage banks must deal with necessitates a precise, specialized approach to bookkeeping and accounting.

Our mortgage bookkeeping and accounting services are designed to handle these complex operational layers by offering real-time insight into the financial health of your mortgage portfolio, smooth loan reconciliation, and accurate, audit-ready financial records.

We give mortgage lenders, servicers, and other financial organizations total control over escrow accounting, warehouse line reconciliation, T&I (tax and insurance) tracking, and transactional integrity.

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Accounting and Booking Intro

Proficient Mortgage Accounting and Bookkeeping Services We Offer

Our mortgage bookkeeping and accounting services are designed specifically to improve the scalability, transparency, and financial management of mortgage operations for global businesses.

Loan Servicing Accounting

We offer complete accounting services for loan servicing, including charge-offs, REO administration, and legal fee tracking. We ensure that recoveries are documented, non-performing assets are appropriately accounted for, and all legal costs are balanced with the supporting records.

Loan Servicing Accounting
Investor Reporting & Reconciliation

Our investor reporting and reconciliation services guarantee that all escrow allocations, fee adjustments, and remittances comply with regulatory requirements. We automate reconciliations to ensure timely reporting and shorten the time to resolve exceptions.

Investor Reporting & Reconciliation
General Ledger & Bookkeeping Support

We offer comprehensive support services that are suited to the entire mortgage lifecycle, from loan boarding to servicing and payback. Our team evaluates transactions to US GAAP and IFRS standards, automates journal postings, and standardizes entries.

General Ledger & Bookkeeping Support
Financial Reporting & Analysis

Our services for financial reporting and analysis turn unprocessed accounting data into intelligence that mortgage executives can use. We provide comprehensive reports on portfolio performance, variance analysis, and trend analysis.

Financial Reporting & Analysis
Mortgage Compliance Auditing

We carry out specific compliance audits, emphasizing fee disclosures, escrow management, investor reporting accuracy, and financial transactions. Our services are customized to satisfy federal, agency, and investor-specific requirements.

Mortgage Compliance Auditing
Mortgage Portfolio & Investor Accounting

We carefully oversee investor accounting and mortgage portfolio management to guarantee smooth fund distribution, performance monitoring, and regulatory compliance. Our team prepares investor statements, provides waterfall calculations, and executes loan-level reconciliations.

Mortgage Portfolio & Investor Accounting
Escrow, Tax & Insurance Accounting

Our tax, insurance, and escrow accounting services minimize financial risk while ensuring compliance. We reconcile insurance and tax payments, oversee escrow disbursements, and monitor balances to avoid penalties and shortages.

Escrow, Tax & Insurance Accounting

Why Should You Choose Our Mortgage Accounting and Bookkeeping Services?

Complete Financial Visibility:
We offer comprehensive mortgage loan accounting by monitoring all loan-level transactions, including origination expenses, servicing revenue, escrow movements, and investor allocations.

Streamlined Escrow Reconciliation:
We remove inconsistencies that result in investor disputes or regulatory infractions by automating and simplifying escrow reconciliations.

Advanced Forecasting Models:
We create specialized forecasting and budgeting models that match financial planning to loan runoff rates, servicing performance, and prepayment patterns.

Centralized Accounting Governance:
We set up a centralized, cloud-based accounting system that works with different branches, currencies, and jurisdictions while maintaining uniformity throughout regional offices.

Real-Time Expense Tracking:
Over the course of the loan lifecycle, we tag and monitor all operational expenditures, such as appraisal fees, title fees, recording fees, and servicing fees.

Tax Optimization:
We use structured amortization schedules and cost segregation analysis to minimize taxable revenue and maximize depreciation in real estate-heavy portfolios.

What Makes Us One of the Preferred Partner for Mortgage Accounting and Bookkeeping Services?

40%
Faster Loan Applications
80%
Reduced Data Input Errors
200+
Financial Institutions Served

Partner with a global leader in home loan accounting and lower risk, increase transparency, and expedite your financial processes.

Customer Testimonials

Case Study

EMA Improves the Underwriting Efficiency for a US-Based Mortgage Lender on the West Coast

EMA Improves the Underwriting Efficiency for a US-Based Mortgage Lender on the West Coast
Learn More

Real Estate Automation Using M-Suite for Home Loan Products and Sustainable Home Ownership Service Provider in New Jersey

Real Estate Automation Using M-Suite for Home Loan Products and Sustainable Home Ownership Service Provider in New Jersey
Learn More

Frequently Asked Questions

Through deferred revenue modeling, precise loan-level accrual recognition, and structured chart-of-accounts mapping, our services rigorously comply with GAAP and IFRS. Additionally, we provide reporting hierarchies and compliance-ready ledger configurations to guarantee traceability.
We verify disbursement triggers, balance escrow ledgers, and monitor tax and insurance payouts against amortization schedules using AI-enhanced workflows. By directly integrating with service and GL systems, our escrow accounting module reduces the volume of suspense accounts.