Selling your home and carrying the note? We can handle everything.
Covey Financial services owner-financed and private mortgage notes for individuals who've sold their home and are now carrying the loan — plus the RMLO processing and closing document work to set the note up correctly in the first place.
Talk to Our TeamYou sold the house. You shouldn't have to chase the payments.
When you carry the note on a home you've sold, you're suddenly a lender — with real compliance requirements and a buyer who needs a professional point of contact. We step in as your licensed servicer, so you get paid on time without managing collections, escrow, or paperwork yourself.
Built for Private Note Holders
We work with individuals and small private lenders, not just institutions — your note gets the same care as a portfolio ten times its size.
Compliance Handled For You
Seller financing has real regulatory requirements. We keep your note structured and serviced the way the law requires.
One Partner, Start to Finish
From the disclosures at closing to the payment collected years later, it's the same team — no handoffs between vendors.
What we handle
Whether you're structuring a new seller-financed sale or already carrying a note, we cover the full picture.
RMLO Services
Required lending disclosures and full loan processing to structure your seller-financed sale correctly from day one.
Disclosures & ProcessingLoan Document Preparation
Notes, deeds of trust, and complete closing packages, prepared in partnership with a San Antonio law firm.
Partner: SA Law FirmPayment Collection & Escrow
Monthly payment processing, plus optional escrow administration for taxes and insurance.
Buyer-Facing Statements
Clear, professional statements and year-end reporting for the person making payments to you.
Default & Delinquency Management
If a payment is missed, we handle the outreach and process — so you're not the one making that call.
Payoff Statements
Accurate payoff figures whenever your buyer refinances or sells, so the note closes out cleanly.
How it works
Getting started is simple, whether your note is brand new or already in place.
Tell us about the sale
New sale or existing note — we'll review the terms and figure out exactly what you need.
We set it up correctly
If it's a new sale, our RMLO and document team handles disclosures and closing paperwork.
We service the note
From the first payment on, we collect, report, and manage the loan so you don't have to.
“If you sold your home and are carrying the note, you're a lender now — whether you meant to be or not. We handle the parts you shouldn't have to.”Eric Covey, Founder & CEO, Covey Financial
Getting started is five simple steps
Once your sale is structured, setting up servicing takes just a few forms.
Complete Loan Servicing Agreement
Review our checklist and sign the servicing agreement to get onboarded.
View Agreement →Escrow Forecast
Escrow gets miscalculated more than anything else. Use our escrow deposit calculator to get it right from the start.
Download Escrow Forecast →Complete Intake Form
Tell us about the sale and the note so we can get acquainted with your situation.
Get the Form →Submit & Await Servicing Agreement
Once we receive your W9 and intake form, we'll send your Servicing Agreement for signature.
Email staff@coveyfin.com →Closing soon and need more detail on escrow, insurance, or closing docs? Visit our Onboard Process page for the full checklist.
Have a note you're carrying, or a sale you're structuring?
Let's talk through what you need — documents, disclosures, servicing, or all three.
Talk to Our Team
