Access for Transaction Register in Downloaded Mortgage account
Found at:
A minor piece of misinformation comes from Frankx (responding to the original poster), who says,
If you have an online-enabled mortgage account, " ... and you want to have the ability to see ...the transactions affecting your mortgage, I would suggest that you delete the new account that you added and you create a new manual mortgage account in Quicken."
That is basically good advice. But, a user can "see" the transactions in a Quicken online-enabled loan account by simply running a report (such as the Banking > Transactions report) for the loan account.
Later in the discussion the original poster draws a false conclusion about "manual" (as opposed to "online-enabled") loans. It is NOT necessary to " ... input all the transactions MANUALLY [emphasis added] at all times, or hand the account completely over to automatic entry?" for Quicken manual loan accounts. Sadly no one comes along to correct that false conclusion.
If the loan is (or is treated by the lender the same as) a traditional mortgage loan, the user need not manually enter anything. The Payment Schedule (created by Quicken for every loan) will be accurate for traditional mortgage loans, and the loan payment Reminder transaction (created by Quicken) will accurately reflect the principal/interest split for each loan payment. If the user sets that loan payment Reminder to auto-enter, there will be no need for any "manual" effort for loan payments. In fact, traditional mortgage loans are better handled as manual loans than as online-enabled loans.
The original poster also claims that he " ... was able to connect [his] mortgage in past years and still access the register to make adjustments ...". That has NEVER been possible - since the day online-enabled loans were first offered in Quicken, it has been impossible to access their loan register. But then escrow or insurance are not properly recorded in a loan liability account anyway: the loan liability account should only contain transactions affecting the loan balance (regardless of whether the loan is enabled for downloading).
Demonstrating how little he understands, the op then says, "How do you reconcile the escrow account if you can't access the registers?" {Note the plural "registers"}. Only the loan liability account is unavailable for modification by the user; an escrow account, when needed, is not affected ... it is still accessible to the user. No one in the above Community discussion ever said that "escrow" accounts were restricted.
Loan payment transactions are (should be) recorded in the account from which the payment is made; typically a checking account. The account from which the loan payment is made is NOT restricted, the user has the same access to that account they always had. But when a loan is enabled for downloading, the loan payment transaction can not make any change to the loan liability account - so those loan payment transactions will need to be modified to avoid attempting to transfer any funds (such as the loan "principal" amount) into the loan liability account. One possibility is to create a Quicken Category for the loan principal amount.
I have no idea why no one responded to the original poster to clear up his mistaken understanding.
Finally another user enters the discussion; largely to complain, and to reinforce the earlier misunderstandings. He says, "I too need to enter a mortgage payment that was made to a different category. But see now that won't happen. I have to finagle in the main checking register instead!"
Basically nonsense. While the user's exact problem is unclear (so it possibly can be handled with an online-enabled loan), the user is definitely not being deprived of any previously available Quicken capability.
Online-enabled loans are a relatively new feature in Quicken. The ability to utilize online-enabled loans does NOT prevent any user from accomplishing anything they could do before online loans were available: online-enabled loans add a new capability to what already existed (and still exists). No one is obliged to use an online-enabled loan. Anyone who is not happy with an online-enabled loan, can (and should) switch to a manual loan ... which provides the EXACT same loan capabilities that have always existed in Quicken.