Professional Note Servicing for Modern Investors.
Family-owned and operated since 1997 Headquartered in San Antonio, Texas Licensed Texas mortgage loan servicer · NMLS 1419346
A note servicing company collects payments, administers escrow, and files IRS 1098/1099s on a mortgage note so the lender does not have to. Moat does this for Texas seller-finance and private notes only, from $35 per loan each month.
OUR EDGE
Built by investors and developers, for investors and developers
Family-owned since 1997 and run by people who create, hold, and develop Texas property themselves — backed by a platform built to match.
Family-owned since 1997
One family stands behind Moat. You get owners who answer for the work — not a call center, not a rotating account rep.
Built by investors, for investors
Moat was started by note investors and land developers — people who create, hold, and develop, not career servicers. So we chase loan performance, not just servicing fees, and run your portfolio the way we run our own.
A modern, real-time platform
Payments posted the day they clear, automated ACH disbursements, escrow tracked, and statements and 1098/1099s on demand — your whole portfolio, any device, 24/7.
HOW IT WORKS
Three functions, one monthly fee
Payment collection
Borrowers pay by bank transfer (ACH), debit card, check, or the online portal. Late fees are charged exactly as the note says. If a payment is missed, we contact the borrower right away.
Escrow administration
We hold escrow for property taxes, hazard insurance, and HOA dues — set aside monthly and paid on time, so nothing lapses.
Reporting and compliance
Year-end tax forms (1098 for borrowers, 1099 for you), monthly borrower statements, and a lender portal with custom reporting to fit your needs.
WHY MOAT
Built around Texas and only Texas
FDIC-insured trust accounts
Client funds are held in FDIC-insured trust accounts, separate from ours. We remit your principal and interest to you and pay escrowed taxes and insurance to the county and carrier.
Simple pricing
- $150 one-time setup
- $35/mo — $40 with escrow
- $50 rush (48-hour onboarding)
- Late fees split 50/50
- No contract · 30-day notice
Online onboarding
We can typically have your loan onboarded within 5–10 business days. This can be expedited to a firm 48 hours via a $50 rush fee.
A real human picks up
Mon-Fri 9 a.m. to 4 p.m. CST. No offshore call center, no ticketing queue.
Notes we service
- Residential
- Commercial
- Land contracts
- Contracts for deed
Texas-only focus
One state, one set of rules — we know Texas foreclosure, homestead, and servicer-licensing rules and apply them the same way on every file. A licensed Texas servicer, NMLS 1419346, bonded.
Serving all of Texas
WHAT WE KNOW
Texas law, in depth
Foreclosure, escrow, and servicer licensing each run on their own Texas rules. Start with the ones that decide what happens to your note.
Texas Mortgage Servicing
The 6 topics that define mortgage servicing in Texas, on one page.
Texas Foreclosure Timeline
41-day minimum, 60–120 days typical, first-Tuesday sale.
Switching Servicers in Texas
The 60-day servicer transfer and our step-by-step boarding checklist.
Texas Foreclosure Sale Calendar
Every Texas foreclosure sale date for the year — sales fall on the first Tuesday of each month.
TRUSTED BY INVESTORS
What our lenders are saying
"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
Google review
Real reviews from our clients on Google · Family-owned since 1997
FREQUENTLY ASKED
Texas note servicing, answered
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 stateMove your Texas note to a licensed Texas servicer.
Every fee published up front. No contract, 30-day notice.
- $150 one-time setup
- $35/mo — $40 with escrow
- $50 rush onboarding
- Late fees split 50/50