Mortgage note servicing in Texas Hill Country

The Texas Hill Country private-lender market

The Texas Hill Country spans 11 counties roughly bounded by Fredericksburg, Kerrville, San Marcos, and Marble Falls. The seller-finance market here skews rural: 5 to 50-acre tracts sold to families building their primary residence, retirement lots in Bandera and Kerr, and ag-exempt ranchland in Mason, Llano, and Real. Subdivision developers carrying owner-finance lot paper are active in Comal (around New Braunfels), Hays (around Wimberley), and Gillespie (around Fredericksburg).

Foreclosure mechanics in Texas Hill Country

Hill Country foreclosure sales happen at each county's own courthouse on the first Tuesday of the month per Tex. Property Code §51.002. The Kerr County Courthouse (Kerrville), Bandera County Courthouse (Bandera), Comal County Courthouse (New Braunfels), Hays County Courthouse (San Marcos), Gillespie County Courthouse (Fredericksburg), Llano County Courthouse (Llano), and Burnet County Courthouse (Burnet) are the most active. We coordinate with Texas-experienced trustees in each county and handle sales across the region from our San Antonio operation.

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.

Texas Hill Country property tax escrow

Hill Country effective property tax rates run roughly 1.5 to 2.0 percent of market value, generally below the Texas average. Ag-exempt acreage under §1-d-1 productivity value is the operational center of gravity; many Hill Country tracts carry an ag or wildlife exemption that drops the assessed value by 80 to 90 percent. We administer escrow against the ag-exempt assessed value and watch for the §23.55 five-year rollback if an exemption lapses during the loan.

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 Hill Country

Hill Country servicing requires comfort with ag exemptions, multi-county trustee coordination, and the rural property tax administration that follows. Our San Antonio operation sits at the southern edge of the Hill Country; we work these counties as part of our day-to-day book.