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Loan Servicing

Note and Loan Servicing in Texas

We service owner-finance notes, wrap loans, and private-lender loans across Texas, for both large and small investors. Borrowers with wrap loans use us to be sure the underlying mortgage is paid as agreed.

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We service

Owner Finance Note Servicing · Wrap Loan Servicing · Private Lender Loan Servicing

Payments

Checks, money orders, and ACH

Access

Online Lender Portal, 24/7

Last updated

Borrowers can pay by check, money order, or ACH, one-time or recurring. Both lender and borrower see loan status and recent postings through the online portal, updated in real time and available 24/7.

Loan Types We Service

Owner Finance Note Servicing

By allowing a professional "third party" servicer to take care of the collection, the borrower treats the payments as a business transaction instead of a personal issue.

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Wrap Loan Servicing

A wrap-around mortgage is a home loan that allows the seller to maintain their existing mortgage while the buyer's mortgage "wraps" around the existing amount owed.

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Private Lender Loan Servicing

Cedar Top offers loan servicing for the private money lender. Let us take care of the day to day collections so you can focus on bringing in new business.

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What We Offer

  • Real-time account information for both lender and borrower
  • Payment accounting, processing, and monthly statements
  • Automatic withdrawal, deposit, and web payment options
  • We are the borrower's primary point of contact
  • Timely distribution of investor funds
  • Credit and IRS reporting
  • Insurance and property tax disbursement with escrow analysis
  • Late payment notifications

Onboarding documents

Every note is different. Depending on the loan and how it is set up, we may need more than this.

  • Promissory Note
  • Deed of Trust
  • Closing Disclosure or HUD-1
  • Transfer of Lien (if applicable)
  • Allonge to Promissory Note
  • Truth-in-Lending
  • Sales Contract
  • 1003 or Borrower Application
  • W-9
  • First Payment Letter
  • Homeowners Insurance
  • Tax Certificate
  • Insurance and Property Tax Escrow Details

Contact us about servicing

Fill out the loan servicing inquiry form with general details and our team will follow up.

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