Resources for Texas private lenders
WHAT'S HERE
Everything a Texas note lender needs in one place
Free reference for anyone holding or servicing a Texas note: the first-Tuesday foreclosure-sale calendar, a mortgage and amortization calculator, a 106-term glossary, long-form guides, and the annual Texas Private Lender Report. Each is tied to the Texas statute it comes from.
In-depth guides
In-depth Texas guides
Three long-form guides, Texas Foreclosure, Dodd-Frank for Texas Private Lenders, and Owner-Finance Servicing, written for note holders and updated as the law changes.
Free tools
Two interactive calculators
The Texas Foreclosure Sale Calendar gives the exact first-Tuesday sale date for any month, and the Mortgage Payment Calculator builds a full amortization schedule, including balloon.
Glossary
106-term glossary with search
Every Texas mortgage and private-lending term defined in plain English, each tied to the law it comes from. Search by term or definition.
Market report
Texas Private Lender Report 2027
A plain-data snapshot of the Texas private-mortgage market: population context, the recent rule changes, and market structure. Updated annually.
FEATURED GUIDES
In-depth reading
Owner Finance
Contract for Deed in Texas: How It Works
What a contract for deed is, who pays the property tax, and how Texas regulates it: the seller keeps title until the buyer pays in full, under Property Code §5.061.
12 min read
Texas Law
Deed of Trust vs Mortgage: The Difference
Deed of trust vs mortgage: the parties, the foreclosure path, and why Texas uses deeds of trust and non-judicial foreclosure under §51.002.
8 min read
Owner Finance
Land Contract: What It Is and How It Works
What a land contract is and how it works: the seller keeps legal title until the buyer pays in full. It is the same instrument as a contract for deed.
8 min read
BLOG
Short-form articles, statute-cited
Straight answers to the questions Texas private lenders search most.
Do I Need an RMLO in Texas?
Most Texas residential mortgage origination requires an active Residential Mortgage Loan Originator (RMLO) license under Tex. Finance Code Chapter 180. The federal three-property exemption is federal-only and does not waive Texas licensing. Here is the decision flow.
March 20, 2026
Servicer vs. Sub-Servicer: What's the Difference?
A mortgage servicer holds the legal servicer-of-record relationship with the borrower and the regulator. A sub-servicer performs operational work on behalf of a master servicer. Some companies are both. The distinction matters for lenders choosing a partner.
March 18, 2026
How Much Does Mortgage Servicing Cost?
Mortgage note servicing for Texas private lenders runs roughly $20 to $50 per loan per month depending on the servicer, the loan type, and whether escrow is bundled. Here is what to compare and where the headline number can mislead.
March 16, 2026
How to Transfer Your Mortgage Servicer in 5 Steps
Moving a mortgage portfolio from one servicer to another runs on the federal RESPA transfer rule. One combined dual notice to the borrower; a 60-day RESPA grace period for misdirected borrower payments.
March 14, 2026
Texas Foreclosure Timeline: The Short Version
Texas non-judicial foreclosure runs on a tight statutory clock: 41 days minimum from first notice to sale, 60 to 120 days typical, first Tuesday of the month at the county courthouse.
March 12, 2026
What Is Mortgage Note Servicing?
Mortgage note servicing is the administrative work that keeps a loan running after closing: collecting payments, managing escrow, sending statements, handling default. Here is what that actually looks like.
March 10, 2026
2026 Texas Mortgage Rule Changes: What Private Lenders Must Know
Texas SML reorganized the entire residential mortgage-servicer rulebook in November 2024 and tightened the surety-bond mechanic for January 2026. Here is what private lenders and self-servicers need to do.
February 15, 2026
The Complete Guide to Seller Financing in Texas
How to structure a seller-financed deal in Texas, from drafting the note to boarding it with a servicer.
February 1, 2026
How to Choose a Note Servicing Company in Texas
A practical guide for private lenders evaluating note servicing companies in Texas. What to look for and what to avoid.
January 28, 2026
Understanding Escrow Accounts for Seller-Financed Notes
How escrow works on a seller-financed Texas note: collecting the tax-and-insurance portion, holding it, and disbursing it when each bill comes due.
January 15, 2026
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This is educational information, not legal, financial, or tax advice. Consult a licensed professional about your specific situation.
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