Mortgage note servicing in El Paso
Texas-licensed mortgage note servicing for El Paso private lenders, serving a metro of about 870,000.
Counties covered
El Paso, Hudspeth
Primary foreclosure venue
El Paso County Courthouse — El Paso County
Population
~870,000
The El Paso private-lender market
El Paso is the westernmost major Texas metro, geographically and operationally distinct from the rest of the state. The seller-finance market here is driven by a high share of Mexican-American working-class buyers, dual-income households crossing the border for work, and military families connected to Fort Bliss. Lot-sale and owner-finance subdivision paper concentrates in the east-side growth corridor and the Horizon City / Socorro area.
Foreclosure mechanics in El Paso
El Paso County foreclosure sales happen at the El Paso County Courthouse, 500 E San Antonio Ave, El Paso, TX 79901, in the designated foreclosure-sale area set by the El Paso County Commissioners Court. The sale day is the first Tuesday of each month between 10:00 a.m. and 4:00 p.m. per Tex. Property Code §51.002. Hudspeth County, east of El Paso, conducts its own first-Tuesday sales at the Hudspeth County Courthouse in Sierra Blanca.
For the full §51.002 timeline and the first-Tuesday rule applied to any month, see the Texas foreclosure timeline and the Texas Foreclosure Calendar tool.
El Paso property tax escrow
El Paso County effective property tax rates run roughly 2.4 to 3.0 percent of market value, among the highest in Texas due to overlapping city, school district, and county tax stacks. El Paso ISD, Socorro ISD, and Ysleta ISD set most school rates. The El Paso Central Appraisal District handles annual reassessments. Rural Hudspeth County carries a different, generally lower, tax stack.
For the year-in-the-life property-tax calendar (Jan 1 lien date, Jan 31 due, Feb 1 penalty cascade), see our property tax escrow page.
Why a Texas-only servicer fits El Paso
El Paso-area private lenders need a Texas-licensed servicer who understands the bilingual borrower mix and the higher-effective-rate property tax stack. We administer escrow in English; we route Spanish-speaking borrowers through our standard support channels with bilingual capability available on request.
Primary foreclosure-sale venue
El Paso County Courthouse
500 E San Antonio Ave, El Paso, TX 79901
Sales held on the first Tuesday of each month between 10:00 a.m. and 4:00 p.m., per Tex. Property Code §51.002. The specific designated foreclosure-sale area within the designated sale location is set by the El Paso County Commissioners Court and identified on the Notice of Sale.
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El Paso questions, answered
This page is general information about mortgage note servicing in the El Paso area. It is not legal advice. Foreclosure procedure, property tax administration, and licensing requirements depend on the specific loan, county practice, and applicable law; consult a Texas real estate attorney for any specific transaction. Moat Note Servicing, LLC (NMLS 1419346) is a Texas-licensed mortgage servicer based at 1602 N PanAm Expy, San Antonio, TX 78208. We serve all of Texas including El Paso, Hudspeth.
Texas-licensed servicing for El Paso portfolios
Bring a sample loan from El Paso or any of the surrounding counties. We will tell you whether we fit and how the boarding looks.