Manage creative finance loans like seller financing, sub-to properties, hybrids, and wrap mortgages effortlessly with our expert services.
Simplify tax and insurance payments with precise escrow account handling for seamless compliance.
Tailored services designed to meet the unique needs of creative real estate investors, ensuring flexibility and efficiency.
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.
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.
Not every creative finance deal is structured the same way. Our goal is to make servicing as seamless as possible. This quick checklist will help determine if your deal qualifies for onboarding with OnePoint Lending.
Late Fee Structure – Deals must include a clear late fee provision in the Purchase Contract. If there are no late fees or grace periods defined, we cannot service the loan.
Access to Underlying Lien – At least one party must have access to the underlying mortgage account. If neither party has access, we are unable to service the loan.
Wraps – If a Subto Buyer is not willing to take responsibility for the underlying lien when their Wrap Buyer does not/cannot pay (or pays late, causing late fees on the underlying loan but not on their Wrap contract), we cannot service the loan.
Rentals – We do not service traditional rental agreements. We only service Lease Option agreements.