Mortgage note servicing in San Antonio

The San Antonio private-lender market

San Antonio is Moat's home market. The metro spans Bexar County (the urban core) plus Comal, Guadalupe, Wilson, Atascosa, Bandera, Kendall, and Medina counties. The seller-finance market here is deep: a high share of working-class buyers cannot qualify for conventional financing on entry-level homes, and the supply of owner-financed paper exceeds many comparable Texas metros. New Braunfels, Schertz, Live Oak, and Boerne are active subdivision-developer markets carrying owner-finance lot paper.

Foreclosure mechanics in San Antonio

Bexar County foreclosure sales happen on the first Tuesday of each month at the Bexar County Courthouse, 100 Dolorosa, San Antonio, TX 78205. The designated foreclosure-sale area is set by the Bexar County Commissioners Court and is identified on each Notice of Sale. The Bexar County clerk's office is the filing point for §51.002(b) sale notices. Sales held outside Bexar (Comal, Guadalupe, the surrounding counties) happen at each county's own courthouse.

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.

San Antonio property tax escrow

Bexar County effective property tax rates run roughly 1.9 to 2.3 percent of market value depending on the city, school district, and special districts (MUDs, ESDs). Comal and Guadalupe county rates trend slightly lower. The county tax assessor mails bills in October-November; January 31 is the due date; February 1 starts the penalty cascade. Ag-exempt rural tracts north of San Antonio (Bandera, Kendall, Medina counties) carry materially lower assessed values under §1-d-1.

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 San Antonio

Moat operates from San Antonio with daily exposure to Bexar County foreclosure work, the surrounding county courthouses, and the regional appraisal districts. We are the closest qualified servicer for many Bexar-area private lenders and the natural home for Hill Country and South Texas owner-finance paper.