Resources
Texas note holder resource library.
Guides, glossary, and plain-English answers for Texas note holders, brokers, attorneys, and seller-finance investors. New content added as we publish it.
- Valuation explainers
- Process walkthroughs
- Glossary of terms
- Texas-specific guidance
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Topics
Start with the basics.
Note Holder 101
What a note is, how it pays, and why structure matters.
Article coming soon
Valuing Your Note
The variables that drive what a Texas note is actually worth.
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Selling Your Note
Process, documents, timeline, and what to expect at close.
Article coming soon
Partial vs. Full Sale
When a partial beats a full sale — and when it doesn't.
Article coming soon
Seller Finance Playbook
Structuring owner-finance notes that perform and sell.
Article coming soon
Texas-Specific Rules
Executory contracts, homestead, and SAFE Act basics.
Article coming soon
FAQ
Most-asked by Texas note holders.
How are Texas notes valued?+
By collateral type, LTV/equity, payor strength, seasoning, payment history, interest rate, remaining term, and structure.
What documents should I keep with every note?+
Original note, recorded deed of trust or mortgage, settlement statement, payment ledger, insurance and tax records, and payor contact information.
What's the difference between a wrap and a CFD?+
A wrap is a new note that 'wraps' an existing senior loan. A contract for deed (CFD) keeps title with the seller until conditions are met. Texas rules differ for each — get them right.
Do I need an RMLO to create a Texas owner-finance note?+
For most owner-occupied residential paper under Dodd-Frank/SAFE Act, yes — through a licensed Residential Mortgage Loan Originator. We can refer trusted partners.
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