Texas-licensed servicing for private lenders
Texas private mortgage notes serviced by a Texas-licensed team that knows the state's rules. Payment posting, escrow, IRS 1098/1099 reporting, and Texas default and foreclosure work, with on-demand lender-portal reporting.
What does a note servicing company do for a private lender?
Moat manages your note day to day: borrower communications, payment posting, escrow collection and disbursement, IRS 1098/1099 reporting. If a loan falls behind and we cannot remedy the situation, we offer turn-key foreclosure services. Pricing is simple and transparent: $35 per month non-escrowed, $40 escrowed, with a one-time $150 setup.
We are a licensed Texas mortgage servicing company built for private and owner-financed notes. See the full fee schedule on our services and pricing page, or find the segment that fits your portfolio: private investors, land developers, and family offices. Already with another servicer? Here is how switching servicers works, with no missed payment cycle.
LENDER SERVICES
Everything you need, handled
We post payments, administer escrow, and file your 1098 and 1099 tax forms, and coordinate Texas foreclosure if you elect it.
24/7 Portal Access
View loan data, payment history, and account balances from any device.
Automated Disbursements
Receive your payments via ACH direct deposit or check, on schedule every month.
Year-End Tax Reporting
1098 and 1099 forms prepared and delivered on schedule so your CPA has what they need by January 31.
Escrow Oversight
Taxes, insurance, and HOA fees managed and paid from escrow — nothing falls through.
GET STARTED
Onboard a note in four simple steps
Complete the online intake form, which lists what we need
Upload your loan documents
Pay the one-time $150 setup fee
We review and set up your account, typically within 5–10 business days
TAKE ACTION
What would you like to do?
Access Lender Portal
View loan details, download statements, and manage your portfolio.
Log In to PortalOnboard a New Note
Submit your note details and closing documents through the onboarding form.
Start OnboardingFOR LENDERS
Move your portfolio, with no disruption
Texas-specific reading for lenders evaluating a switch, planning default work, or comparing servicer options.
Switching Mortgage Servicers in Texas
The federal 60-day no-penalty window after a transfer, a 30–45 day timeline, and a 10-item document checklist.
FCI Lender Services Alternative
Side-by-side factual comparison on geographic focus, fees, and Texas default work.
Default and Foreclosure Servicing
How we handle a Texas default file from first delinquency through post-sale wind-down.
FREQUENTLY ASKED
Frequently asked: private-lender servicing
Not in Texas?
We service Texas notes only. Tell us where you need servicing and we will notify you if we open your state.
Request your stateReady to simplify your note servicing?
Texas private lenders have trusted Moat with their note portfolios since 1997.