Welcome to TMS! We’re really happy you’re here. If you haven’t noticed already, we are a different kind of company. We speak a different language. We do business a different way. And we are on a mission to help grow happiness. Our goal is to help over 1 million families achieve and maintain the dream of homeownership over the next 10 years (we call it 1MHO+).

We’re here to make dealing with your mortgage (and all that goes with it) as easy, stress-free, and as happy an experience as possible.

So, you originated your loan with another lender, and then you were notified that you were being transferred to TMS…what’s that all about? Rest assured, we’re going to explain the nitty-gritty of what it means to have your mortgage transferred and what that means for the future of your mortgage.

First things first, your previous servicer transferred your loan to TMS, and that means you’ve been “transferred to us.” TMS is your loan servicer now! You probably didn’t know this, but it’s common for one servicer to sell mortgages to another servicer. Your loan was absolutely not sold because of anything you did.

And now that you’re with us, we want you to stay with us. We’re going to show you that being a TMS customer is awesome. We’re 100% your partner in this. And like with any long-term relationship, we’re going to do everything we can to make sure you’re treated right.

FIND
Buying or selling a home? As a Happinest Member, you could save up to $13,000.* You’ll also have access to top-rated Happinest-certified local agents, who know the best deals on the best homes for you. Learn more.

*Cash back reward is determined by the sale price of the home you are buying and/or selling. Reward offer limited in some states. Not available in AL, IA, LA, MS, or OK. Other restrictions apply.

MANAGE
Managing your mortgage just got easier. With the apptastic Happinest Mobile App you can make payments, download documents, and get account notifications. You’ll also have access to our exceptional Customer Care Specialists who are always happy to assist you with any and all mortgage issues. Not to mention access to education and inspiration on our Happy Hub blog!

PROTECT
TMS Insurance is the place to get multiple quotes from the country’s top insurers to get the right coverage at the most competitive prices for your home, mortgage, even your car or truck. It’s Protectirvana!

Hopefully, your previous servicer sent you a letter of notification that included your official transfer date.

If you didn’t receive a letter with an official transfer date, call your previous servicer and they should be able to help.

Once your loan is in our system, (usually no more than 7 business days after the transfer date), you can register and create an account. If you’re not already logged in, get started by clicking here.

Within 15 business days after your transfer date, you'll receive a welcome letter from TMS. The welcome letter will include your new loan number, TMS contact details and other information you'll want to know.

Now that we are your new mortgage servicer, you might be asking yourself, "What else is going to change?"

The honest answer is not a whole lot.

The terms of your loan won’t change. Your interest rate, monthly principal and interest payment, and repayment timeframe will stay exactly the same to what they were with your previous servicer. (Unless you have an adjustable rate mortgage, in which case your interest rate will be subject to change under the terms of your mortgage. But don’t worry, if that’s the case, we’ll notify you ahead of time to let you know when and how your rate will change.)

News Flashtastic:
∙ During the first 60 days after your transfer, you will not accrue late fees or negative reporting to the credit bureaus.
∙ For 60 days after your transfer date, your previous servicer will forward us any payments you make to them. (After that, you’re sending payments directly to TMS.)
∙ We’ll continue any workout or modification plan you had with your previous servicer. Please allow us up to 30 days from your transfer date for us to get all the paperwork.
∙ Were you in the middle of selling or refinancing your home when the transfer occurred? Once your information is in our system, you can request a payoff quote.
∙ Did you have an escrow account? We’ll continue making your tax and insurance payments without missing a beat.

It’s going to be smooth sailing when it comes to basic account management like payments, statements, and escrow. Below, we’ve provided you with all the details you’ll need to get your account up and running with TMS. We think you're going to be pretty happy about how easy it is for you to manage it all.

About 7 business days after your official transfer date you can register to get access to your account online. To register, you can use your new TMS loan number or the loan number you had with your previous servicer.

We've got several payment options, and we’re sure you’ll find the one that works best for you.

You can make payments with our Happinest Mobile App, Autopay, online, mail, phone.

Get more details about your payrific payment options here.

No problem, you can pay us with Autopay too.

Were you paying with your bank’s "Bill Pay" service? All you have to do is change the “payee” information to:
The Money Source Inc.
ATTN: Cashiering
500 South Broad St. Ste 100A
Meriden, CT 06450

Autopay can also be set up by enrolling on www.tmscustomer.com or requesting our ACH form with a rep by calling 866-867-0330.

Your first TMS statement should arrive within 30 business days of your transfer date.

Did you have an escrow account with your previous servicer? If you did, it was transferred to us with your loan. Your escrow payments will continue exactly as before.

Don’t have an escrow account but want to start one? Just give us a call at 866-867-0330.

You can view your escrow balance under “My Loan” on the upper right corner of your account page. To login click here.

Are you still scratching your head in confusion about escrow? Well then, you’ll be happy to know that we've put together a complete escrow guide on our Happy Hub blog.

TMS Insurance is the place to get multiple quotes from the country’s top insurers to get the right coverage at the most competitive prices. TMS Insurance is an insurance agency licensed affiliate of TMS (that’s just a fancy way of saying TMS Insurance is a part of the TMS family). Click here to learn more about TMS Insurance.

Or, if you’d like to stay with your current insurance company, you’re going to need to let them know that your loan was transferred to TMS (we’re going to be sending them payments from now on). You’ll need to give them your new loan number and tell them to change the mortgagee clause on your account to:
The Money Source Inc. ISAOA/ATIMA
P.O. Box 1194
Springfield, OH 45501-1194

If you had life insurance or disability coverage (known as optional insurance products) through your previous servicer, they will not transfer. This means there’s a possibility that they could be cancelled. If you’d like to keep these policies, call your insurance provider to arrange direct payments for these policies.