Born from real investor needs.
NoteServ started when a long-standing Hawaii servicing company approached us to take over their accounts. We saw an opportunity to build something better.
Started in Hawaii, built to scale nationwide.
NoteServ began when a long-standing Hawaii servicing company approached us to take over their existing accounts. The opportunity revealed a clear gap: investors holding private notes, agreements of sale, and land contracts had limited options for reliable, modern servicing.
Traditional mortgage servicers don't touch these agreements. They fall outside the conventional banking system, which means the note holders are often left tracking payments in spreadsheets, chasing borrowers themselves, or relying on outdated servicing platforms that weren't built for their needs.
We took over those Hawaii accounts, rebuilt the servicing infrastructure around a modern digital platform, and quickly realized these same tools serve anyone tracking payments in everyday life, from personal loans between family members to investors managing dozens of seller-financed agreements across multiple states.
Today, NoteServ provides administrative loan servicing for private notes, agreements of sale, land contracts, personal loans, auto and equipment financing, and investor portfolios. Our focus hasn't changed: private agreements, not bank mortgages. Clean servicing, clear records, no unnecessary complexity.
What makes NoteServ different.
Private notes only
We don't service bank mortgages, deeds of trust, or any loan secured by a recorded mortgage on a primary residence. That focus means our systems, pricing, and processes are built specifically for the types of agreements traditional servicers ignore.
Digital-first platform
100% digital statements and ACH automation. No paper statements, no phone tag, no guesswork. Both borrowers and note holders get clear access to payment history and account information through a secure platform.
Investor-ready from day one
Our pricing and automation let a single note holder or a 50-note investor plug in and know the servicing is handled. Portfolio pricing at 15+ notes. Tiered servicing matched to account complexity.
Nationwide capability
Started in Hawaii, designed to operate across all 50 states. Multi-state portfolios are managed through a single platform with consistent reporting and payment processing regardless of jurisdiction.
How we think about servicing.
Accuracy before speed.
Every account goes through a structured onboarding process. We review the agreement, configure payment schedules, verify balances, and set up the borrower portal before a single payment is processed. Proper onboarding prevents costly errors later.
Transparency by default.
Pricing is published on our website. Fee structures are explained before you sign up. Both the note holder and the borrower can see the payment history. No surprises, no hidden charges, no vague "contact us for pricing" gating.
Administrative scope, clearly defined.
NoteServ provides administrative loan servicing. We process payments, maintain records, generate statements, and manage escrow accounts. We do not provide legal advice, tax guidance, compliance consulting, or financial decision-making. That boundary keeps our servicing focused and reliable.
Right-sized for the account.
Not every agreement needs the same level of management. A current loan with ACH autopay doesn't need delinquency monitoring. An agreement with impounds needs more oversight than a simple installment note. Our 3-tier pricing lets you match the servicing level to the actual complexity of each account.
What we do and what we don't.
We do
- Process payments on schedule
- Maintain accurate ledgers and records
- Generate statements and year-end summaries
- Monitor delinquencies and send notices
- Manage impound/escrow accounts
- Facilitate document custody (via separate LLC)
We don't
- Lend money or broker loans
- Provide legal or tax advice
- Hold funds in trust
- Make financial decisions for any party
- Provide compliance consulting
- Service traditional mortgages or PMMs
Ready to hand off your servicing?
Submit an intake form and our team will review your agreement or portfolio within 1 business day.