Mortgage note servicing in Waco-Killeen
Texas-licensed mortgage note servicing for Waco / Killeen private lenders, serving a metro of about 700,000 combined across the Waco and Killeen-Temple MSAs.
Counties covered
McLennan, Bell, Coryell, Falls
Primary foreclosure venue
McLennan County Courthouse — McLennan County
Population
~700,000 combined across the Waco and Killeen-Temple MSAs
The Waco-Killeen private-lender market
The Waco-Killeen corridor along I-35 between Austin and Dallas-Fort Worth carries an active mid-Texas seller-finance market. Waco anchors McLennan County (Baylor University area, Magnolia tourism economy). Killeen anchors Bell County with Fort Cavazos (formerly Fort Hood) driving the military-housing market. Subdivision-developer paper is common in both metros.
Foreclosure mechanics in Waco-Killeen
McLennan County foreclosure sales happen at the McLennan County Courthouse, 501 Washington Ave, Waco, TX 76701. Bell County sales happen at the Bell County Justice Center in Belton. Coryell County (Gatesville) and Falls County (Marlin) hold sales at their respective courthouses. First-Tuesday §51.002 cadence applies across all four counties.
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.
Waco-Killeen property tax escrow
McLennan and Bell county effective rates run roughly 2.0 to 2.4 percent of market value. Waco ISD, Midway ISD, Killeen ISD, and Belton ISD set the school-rate piece. Military housing in the Killeen/Copperas Cove area sees rotation-driven turnover; the property tax bill follows the property, not the owner.
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 Waco / Killeen
Mid-Texas servicing requires comfort with multi-county trustee coordination across McLennan, Bell, and the surrounding counties, plus the operational quirks of military-housing rotation (frequent owner-of-record changes, escrow re-balancing). We work these counties as part of our standard book.
Primary foreclosure-sale venue
McLennan County Courthouse
501 Washington Ave, Waco, TX 76701
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 McLennan County Commissioners Court and identified on the Notice of Sale.
FREQUENTLY ASKED
Waco-Killeen questions, answered
This page is general information about mortgage note servicing in the Waco-Killeen 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 McLennan, Bell, Coryell, Falls.
Texas-licensed servicing for Waco / Killeen portfolios
Bring a sample loan from McLennan or any of the surrounding counties. We will tell you whether we fit and how the boarding looks.