ART. I — DOCUMENTS
Standardized paperwork
Promissory note, deed of trust, and the TREC seller-financing addendum, prepared from your deal terms. Attorney review available by referral.
aka. “Seller Financing”
Owner finance your sale. We handle the note.
Owner financing, also called seller financing, lets you sell at your price and carry the note. What is missing is a bank's back office — standardized documents, closing coordination, and someone else to collect the monthly payment. That is us. You are never your buyer's debt collector.
Document library · mobile notary · escrow · servicing from $35/mo
SpecimenNo. 2026-0417
PROMISSORY NOTE
SECURED BY DEED OF TRUST · STATE OF TEXAS
Sale price$425,000
Down payment (20%)$85,000
Note rate4.50%
Amortization30 years
BalloonYear 5
Monthly P&I$1,722.73
ServicingOwnerFinanceForms
Sellers don't want to be debt collectors.
BOILERPLATE DOCS
HANDS-OFF SERVICING
ATTORNEY & TITLE NETWORK
PAYOFF TO RESALE-READY NOTE
The process
A bank's playbook, sized for one house.
Banks solved payment collection, delinquency, escrow, and foreclosure decades ago. We package those same systems around your one owner-financed transaction, in four articles — the same way your deed of trust is organized.
ART. II — CLOSING
Escrow & notary
We coordinate escrow through a partner title company and dispatch a mobile notary. Filings and any entity formation are handled with our referral network.
ART. III — SERVICING
We become the point of contact
From the day of closing, the buyer pays us, not you. We collect, remit, keep the ledger, send statements, and pursue delinquencies — with anonymity for you.
ART. IV — PAYOFF
Refinance, payoff, or sell the note
At the balloon, the buyer refinances and you are cashed out. Or hold a standardized, well-papered note — the kind a secondary market can actually price.
Services & pricing
Pay for what your deal needs.
| Service | What you get | Price |
|---|---|---|
| Owner financing kit | One-time purchase. Boilerplate note, deed of trust, TREC Seller Financing Addendum (No. 26-8) workflow, best-practices library, and the note builder. | $49.95 |
| Note servicing | Payment collection, ledger, statements, escrow of taxes/insurance, delinquency pursuit. Buyer contacts us, not you. | $35 / month |
| Escrow at closing | Closing funds handled through our partner title company. | $500 |
| Registered agent | Texas registered-agent service for your holding entity. | $250 / year |
| Mobile notary | A commissioned notary comes to your closing table. | Cost + 20% |
| Document preparation | Your terms merged into the standardized instruments, ready for attorney review. | Quoted |
| Attorney services | Entity formation, filings, negotiation middleman, foreclosure — via licensed Texas counsel. | Referral |
| Owner-financing insurance | Coverage options for your collateral and note. | Referral |
Get the kit — $49.95
One flat fee, yours to keep. Every deal begins with the document library and the note builder. Everything else is added on a call, on your schedule.
Best practices & FAQ
The questions every owner asks first.
Can I offer owner financing if I still have a mortgage?
Often, yes — with care. Structures such as wraparound financing exist, but your existing loan likely contains a due-on-sale clause. This is exactly the situation our attorney referral network is for; we will map your equity and your options on the intake call.
Why would I accept a below-market interest rate?
Because you are pricing the whole deal, not just the rate. You collect 20% or more of your full asking price at closing, defer tax on the balance under an installment sale, and hold a secured note. For a seller holding only a few years, 4–5% of a full price often beats 7% financing of a discounted one.
What happens if the buyer stops paying?
We pursue the delinquency as your servicer — notices, cure periods, and escalation. If foreclosure becomes necessary, Texas non-judicial foreclosure under a deed of trust is one of the fastest in the country, handled by referred counsel. You keep the down payment and recover title.
Do I have to talk to the buyer after closing?
No. From closing day forward, we are the point of contact. Statements, payments, questions, and problems come to us.
Is this legal? What rules apply?
Owner financing — called seller financing in TREC forms and by agents — is legal and long-established in Texas. Financing an owner-occupied home can trigger the Texas SAFE Act and federal Dodd-Frank rules (limits on balloon terms and originator requirements, with exemptions for certain sellers). Our documents are built for attorney review, and every engagement includes a compliance checkpoint.
Can I sell the note later?
Yes — and standardization is why. A note on our instruments, with a clean servicing ledger, is far easier for a note investor to price than a homemade contract. Building that secondary market is our long-term mission.
Next step
Talk to us within 48 hours.
Document prep, escrow, servicing, and referrals all start with one call. Pick a slot and bring your address and rough numbers — we will bring the plan.
Schedule my callSchedule