Servicing built for the affiliates that build communities.
Covey Financial is a dedicated servicing partner for Habitat for Humanity affiliates — handling the loans behind every home so your team can stay focused on building.
Talk to Our TeamA servicer that understands affiliate lending
Habitat mortgages don't look like conventional loans — and they shouldn't be serviced like one. We work exclusively with mission-driven lenders and understand the affordability structures, sweat-equity requirements, and homeowner relationships that make Habitat lending different.
Affiliate-First Experience
Decades of combined experience servicing affordable and mission-based mortgage portfolios — not a generalist servicer treating your loans like every other file.
A Real Point of Contact
No call centers. Your affiliate works directly with a servicing team that knows your program, your homeowners, and your board's reporting needs.
Multi-State Compliance
Licensed across 19 states, with the regulatory infrastructure to keep your affiliate's portfolio compliant as your program grows.
What we handle for your affiliate
From the day a loan closes to the day it's paid off, we manage the servicing details so your staff and volunteers can focus on building homes.
Payment Processing & Escrow
Monthly payment collection, escrow administration for taxes and insurance, and clear statements homeowners can understand.
Affordable & Silent-Second Loan Servicing
Experience servicing 0% and low-interest first and second mortgages structured around affiliate affordability programs.
Deferrals & Reinstatements
Homeowner-friendly deferral agreements and reinstatement calculations when a family hits a rough patch.
Delinquency & Loss Mitigation
A relationship-first approach to delinquency, built around keeping Habitat families in their homes.
Board & Investor Reporting
Portfolio reporting your affiliate's board and funders can rely on, delivered on the schedule you need.
Homeowner Education
Borrower-facing resources that help new homeowners understand escrow, servicing, and what to expect after closing.
“We service Habitat mortgages the way they should be serviced — with the affordability, patience, and homeowner relationship at the center of every file.”Eric Covey, Founder & CEO, Covey Financial
Let's talk about your affiliate's portfolio.
Whether you're onboarding your first serviced loans or looking for a better partner, we'd love to hear about your program.
Talk to Our Team
