Unlock the Potential of Servicing All Your SubTo Loans

OnePoint helps you manage creative real estate loans, streamline servicing, and automate payments so you can focus on growing your investment portfolio.

Our 5-step roadmap to success

Submit required transaction documents, confirm payment details and recipients, and help us understand your creative deal better through our simple online process.

Our team reviews your provided documentation, requests any missing info, and sends all active parties a Servicing Agreement for review and signature.

With the signed Servicing Agreement, we create your account, set up payments, and provide login details for both Lenders and Borrowers to track transactions.

You have the option to pay online or set up automatic withdrawals. Please note that payments are disbursed 7–15 days after we receive them, allowing time for funds to clear before disbursement. Weekends and holidays may cause additional delays.

Through our portal, track updated loan numbers, view payment statuses, see due dates, and know when payments are disbursed or pending for disbursement.

Servicing at its finest

At OnePoint, we provide professional loan servicing for creative finance deals
— including seller financing, subject-to, wrap mortgages, and other unique real estate transactions. We manage the full payment process between Buyers and Lenders, ensuring that payments are collected, tracked, and disbursed on time while handling taxes, insurance, and impound accounts when needed.

Why Work With Us?

Flexible Account Structuring

We tailor your account setup to match your exact deal terms, ensuring everything is handled your way.

Specialized in Creative Financing

Our team is experienced with all creative finance deal types, offering reliable servicing where traditional providers fall short.

Transparent, Personalized Support

We keep you and your clients informed every step of the way with clear communication, fast issue resolution, and dedicated account management.

Servicing at its finest

At OnePoint, we provide professional loan servicing for creative finance deals
— including seller financing, subject-to, wrap mortgages, and other unique real estate transactions. We manage the full payment process between Buyers and Lenders, ensuring that payments are collected, tracked, and disbursed on time while handling taxes, insurance, and impound accounts when needed.

Flexible Account Structuring

We tailor your account setup to match your exact deal terms, ensuring everything is handled your way.

Transparent Support

We keep you and your clients informed every step of the way with clear communication, fast issue resolution, and dedicated account management.

Unlock Your Future with Our Seller Financing Solutions

Our seller finance services empower you to achieve your real estate goals with ease. Enjoy flexible terms and personalized support tailored to your investment needs.

Unlock Your Future with Our Seller Financing Solutions

Our seller finance services empower you to achieve your real estate goals with ease. Enjoy flexible terms and personalized support tailored to your investment needs.

Unlock the Potential of Sub To Loans for Savvy Investors

Sub to loans, or subject-to financing, allow investors to take over existing mortgage payments without assuming the loan. This creative financing strategy offers flexibility and can lead to profitable real estate investments.
Easily acquire properties with existing financing.
Minimize upfront costs and maximize cash flow.
Streamlined process for quick property acquisition.

Discover the Power of Hybrid Loans for Your Real Estate Investments

Hybrid loans combine the best features of various loan types, offering flexibility and tailored solutions for investors. With a hybrid approach, you can optimize your financing strategy to meet your unique needs.

Enhanced Opportunities

Enjoy customizable payment options that suit your financial situation and investment goals.

Flexible Financing

Leverage hybrid loans to maximize your investment potential and achieve greater returns.

Flexible, Customized Loan Servicing for Creative Finance Deals.

Don’t just take our word for it

Hear from some of our amazing customers who are building faster.
OnePoint just gets it. They make managing my seller-financed properties easy, and I know I can count on them every step of the way.
Henry Mendoza
Real Estate Investor
Working with OnePoint has been a breath of fresh air! They handle my hybrids and sub-to loans without a hitch, so I can keep my focus where it matters.
Chris Jones
Real Estate Agent
Honestly, OnePoint’s loan servicing has been a lifesaver. They make complicated deals feel like a breeze—I don’t know what I’d do without them!
Essie Coleman
Real Estate Investor
It’s rare to find a team that truly gets creative finance like OnePoint. They keep my deals on track and make the whole process stress-free.
Markus  Smith
Property Developer

OnePoint Lending Locations.

We provide loans servicing across the United States. To confirm if we provide servicing in your area, review our location map. If your state is available, contact us to fill out an application today to get started.

Available
Subto Deals Only
Unavailable

Latest Updates

The Importance of Structuring Promissory Notes Like Traditional Mortgages for Seller Finance Mortgages

Read more

The Benefits of OnePoint Lending Loan Servicing

Read more

FAQs - Frequently Asked Questions

We provide the following comprehensive loan servicing solutions:

  • Automatic Mortgage Payments
  • ACH Payments
  • Escrow Management
  • Sub-to Loan Payments
  • Seller Finance Payments
  • Hybrid Loan Payments
  • Mortgage Wrap Payments

Please note, we do not charge a $25 fee for expedited payment processing. Our focus is on reliable, efficient service without hidden costs.

Loan servicing is the management of a loan from its start to final payoff. It includes collecting payments, handling escrow accounts for taxes and insurance, managing delinquencies, and providing customer support. For creative real estate loans—like seller finance or sub-to financing—servicers ensure smooth, ongoing management tailored to the specific terms of these unique agreements, helping maintain the loan’s health and the lender's investment.

Click here for the benefits of a loan servicer.

Is your loan service company business based in USA?

No, loan servicing isn’t just for investors. While investors often rely on loan servicing for managing their real estate deals, homeowners, lenders, and other parties involved in creative financing can also benefit from these services. Loan servicing ensures smooth, efficient payment processing and compliance, regardless of the type of borrower or lender.

Creative finance isn’t just for investors. While it’s commonly used by real estate investors to structure deals, it can also benefit homeowners and lenders looking for flexible, tailored financing options. Whether you’re buying, selling, or lending, creative finance offers innovative solutions for a wide range of parties.

At OnePoint Lending, our small but dedicated team combines deep expertise in creative real estate and payment management to deliver effective, personalized loan servicing. OnePoint Lending stands out with Michael’s extensive experience in creative real estate and payment management. His expertise ensures every unique loan is handled with precision, from seller financing to hybrid deals, giving investors confidence that their transactions are in capable, knowledgeable hands.

We provide loan servicing across Indiana, the GTA, and internationally, all from our Indiana, USA offices.

With over 1,000+ clients in Indiana alone, our loan servicing expertise is essential to the success of creative real estate transactions.

At OnePoint Lending, trust is built through reliable, long-term partnerships with our clients. Here’s what sets us apart:

  • Specialists in creative real estate loan servicing, managed by an experienced team.
  • Personalized support for every client, big or small—your investment’s success is our mission.
  • Full in-house servicing, ensuring stability, confidentiality, and expertise.
  • Regular updates and improvements for secure, compliant loan management.
  • Clear communication and transparency, with easy access to your loan information.

Join our growing network of investors who trust OnePoint Lending for reliable and dedicated loan servicing.

Office hours
Monday - Friday: 8AM-5PM
Eastern Standard Time
Socials
Copyright © 2025 OnePoint Lending LLC

You're Leaving Our Site
You’re about to be redirected to our secure loan portal. Please note:
Your Company ID will always be OPL when logging in