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It's never been easier to setup loan servicing.

Onboarding Accounts for long term servicing

Capturing incoming payments and payments that are disbursed.

We pay mortgages, Lenders and when requested the property tax and insurance

Escrow Analysis on request

What is OnePoint?

OnePoint Lending, LLC is a loan servicing company specializing in managing creative finance real estate loans, including seller finance notes, wrap mortgages, hybrids, and subject-to properties.

Flexible Terms

Manage creative finance loans like seller financing, sub-to properties, hybrids, and wrap mortgages effortlessly with our expert services.

Escrow Management

Simplify tax and insurance payments with precise escrow account handling for seamless compliance.

Custom Solutions for Investors

Tailored services designed to meet the unique needs of creative real estate investors, ensuring flexibility and efficiency.

Our Services

  • Setting up new property accounts based on provided documents and billing information
  • Customizing account structures to fit creative finance deal types (Seller Finance, Subject-To, Wrap Mortgages, etc.)
  • Escrow analysis setup, using property tax and insurance documents

  • Collecting monthly payments from Borrowers (via ACH, check, or other methods)
  • Managing payment attempts and re-tries when payments bounce
  • Disbursing funds to Lenders after a 7-15 business day delayed period (required for Borrowers funds to clear)
  • Handling impound accounts for taxes and insurance on request
  • Calculating and applying late fees when applicable

  • Managing disbursements for mortgage payments, insurance, and taxes
  • Creating and delivering escrow analyses when requested
  • Sending impound account balances or refunds with proof of payment when applicable
  • Adjusting escrow amounts when taxes/insurance increase, with borrower or lender approval

  • Sending payment bounce notifications to Borrowers and keeping Lenders CC’d
  • Requesting updated documents, insurance, tax bills, and contact information
  • Keeping Borrowers and Lenders informed of account statuses, issues, or updates
  • Coordinating approvals for offboarding or account changes
  • (Note: routine mortgage payment confirmations are not sent)

  • Processing account close-outs upon request
  • Sending out payment links for account closure fees
  • Releasing full account data, statements, and records once closure fees are paid
  • Confirming account balances and impound refunds where applicable

  • Fully customizing account setups and processes based on the unique terms of creative finance deals
  • Offering flexible options for how escrow funds are handled and how disbursements are split or applied
  • Managing borrower impound "savings" for future shortages or lump-sum payments when necessary

  • Quick response times and one-on-one client support via phone, email, and portal updates
  • Coordinating mortgage login access for timely payments when needed
  • Scheduling direct calls to resolve issues, concerns, or special requests

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.

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.

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Available
Subto Deals Only
Unavailable
Floyd Knobs, Indian, USA

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