Since 1997. Texas-only. Built by note investors.

1997

Founded in San Antonio

29 yrs

In business

Texas

Every county, only Texas

NMLS

1419346 · SML licensed

OUR STORY

Built by note investors, for note investors

Moat Note Servicing is a Texas-only note servicing company, in business since 1997 (29 years). It was founded by note investors and land developers who created, held, and developed Texas real estate themselves before they serviced a single note. That is the edge: Moat manages each portfolio as if it were its own, and chases loan performance, not just the servicing fee.

Servicing only Texas notes is a deliberate choice. Texas foreclosure and homestead rules work differently than anywhere else, and a servicer who handles them every day catches what a national shop covering fifty states can miss.

Whether you hold a dozen notes, a hundred-loan portfolio, or lots you are selling on owner-finance, you stay in control of every decision that is yours to make. We handle the day-to-day servicing and run it like the note is ours.

Headquarters

1602 N PanAm Expy, San Antonio, TX 78208

Service area

Texas, only

Every county, urban and rural. We service no notes outside Texas.

Hours

Monday – Friday, 8:30 AM – 5:00 PM CST

LICENSING

Fully licensed in the State of Texas

Moat Note Servicing is fully licensed and bonded in the State of Texas — registered with the Texas Department of Savings and Mortgage Lending under its current servicing rules and carrying the required electronic surety bond. NMLS 1419346.

On the federal side, we follow the rules that govern monthly statements and servicing transfers, borrower privacy, and fair borrower communication. Documentation supporting each compliance posture is available to lender clients on request.

Learn about the Texas SML regime Texas Mortgage Servicing hub

OUR TEAM

Four roles, one team

We organize the work around four functional areas. Every account touches each role over the life of the loan.

Client Relations

Lender-facing relationship management. One direct line for every account, no offshore call center, no ticketing queue between you and the file.

Operations

Day-to-day servicing: payment posting, escrow administration, statement generation, IRS reporting. The work that has to be right every month for every loan.

Compliance

We keep your servicing licensed and bonded in Texas and compliant with the state and federal rules that govern statements, privacy, and borrower contact.

Default and Foreclosure

We handle the required Texas foreclosure notices, coordinate the trustee, attend the first-Tuesday sale, and manage the post-sale wind-down — month in, month out.

OUR VALUES

What drives us every day

Investor-minded

We manage your portfolio as if it were our own. Most servicers chase servicing fees — Moat chases loan performance and your results.

Transparency

No hidden fees, no surprises. You see exactly what is happening with your notes through the lender portal and monthly reports.

Reliability

Consistent, dependable service since 1997. We show up every day for our clients.

Personal Service

We run lean. The person who picks up the phone knows you and knows your portfolio.

WHAT CLIENTS SAY

Direct from our Google reviews

Real verified Google reviews from Texas private lenders we have worked with. The full review list is on our Google Business Profile.

"I've been selling houses on owner finance for about 10 years now and Moat Note Servicing is the best. They are very automated. For clients like me who are really deep in the business, they do some of the more advanced things that other companies won't."

Landon Rothstein

Verified Google review

"Moat Note Servicing has been a fantastic service provider for my note portfolio. Their operation, reporting and record keeping has been a tremendous asset to both my company and my time. I would highly recommend their services to anyone looking for a note servicing company."

Ryan