Loan servicing in Texas

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Complete Solutions for Loan Servicing

Commercial & Residential Properties in Texas

Loan Servicing
Mortgage Servicing
We are the preferred choice for lenders in Texas seeking trustworthy and dependable loan servicing.

Unmatched Expertise in Loan Servicing in Texas

Pioneering in loan servicing, our dedication to excellence distinguishes us as a premier loan servicing company, especially in Texas. Our focused strategy in managing loans guarantees that both lenders and borrowers in Texas and beyond benefit from our unwavering support and profound expertise, essential for adeptly handling the intricacies of loan management.

Other Locations

Payment Options

Pay Online

Our best option! Borrowers may access their online account 24/7. It's very informative and provides easy payment options (see disclosures below).

Your user name: Acct Number
Your Pin: Last 4 of SSN

Pay by Mail

Covey Financial, LLC
P.O. Box 790892
San Antonio, TX 78279


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Mortgage Assistance Programs For Texas Residents

Please select your State and apply directly with the Homeowner Assistance Fund available in your local community.


Free Payment Options:
Mailing a check or money order to our mailing address
A recurring automatic draft with your checking account
You can create a payment schedule online
Payment options with a fee:
Payment with your Debit Card
USIO is a third party payment processing company that charges a fee for all transactions they process on our behalf. USIO adds a 2.9% fee plus $0.30 to process all debit card transactions. Covey Financial receives no part of the USIO fee(s). If you are making a payment online, please be sure that you have enough money in your account to make your payment plus USIO’s processing fee.
* We recommend not making payments with your debit card because it is vastly more expensive than other options we have. If you need help connecting your bank account, please reach out to Covey Financial for help. *
Dishonored Payment Fee

Please enter your payment details carefully. We charge a $25 fee as a return item charge which includes, but is not limited to, returns due to insufficient funds.

Legal Disclosure

View our state licenses and state specific disclosures

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Your Path to Financial Freedom Is Just a Click Away.

Don’t allow the burden of financial stress to impede on you any further. At Covey Financial, we are dedicated to assisting you in taking charge of your financial situation and attaining better finaicial objectives. Through our extensive knowledge and customized strategies, you can proceed with assurance towards a more prosperous financial future.

Mortgage and loan servicing in Texas

It is very important to understand loan servicing whether you are a homeowner, investor or financial institution. In Texas, mortgage servicing is essential for managing loans after they are issued. Mortgage servicing involves the management of loans post-issuance. This includes collecting monthly payments, handling escrow accounts for property taxes and insurance, and ensuring compliance with state regulations. Mortgage servicing companies in Texas specialize in these tasks, acting as intermediaries between borrowers and lenders.

Covey Financial is the premier mortgage loan servicer in Texas. We are well versed in managing different types of mortgage loans and borrower situations. The mortgage and Loan Servicing in Texas is unique in many ways. Texas has some of the highest property values and tax rates in the Nation. The escrow administration is crucial for Texas Mortgage Servicers. Many jurisdictions have multiple taxing units. Texas also has a large coastal area resulting in flood insurance administration. 

Benefit of Mortgage and Loan Servicing in Texas

Choosing Covey Financial to professionally provide mortgage servicing in Texas, has several benefits Firstly, it ensures that monthly statements are consistently billed and payments are posted accurately, reducing the risk of delays and missed payments that can harm credit scores and disrupt cash flow for lenders.

Secondly, Covey Financial specializes in efficiently managing escrow accounts, crucial for timely payments of property taxes and insurance premiums. This is particularly important in Texas, where property taxes are quite high, and proper escrow management helps borrowers avoid penalties and comply with state tax regulations. Additionally, Covey Financial navigates the complex regulations for mortgage loan servicers in Texas, ensuring all loan servicing activities meet legal standards, which enhances transparency and trust in financial transactions.

Outsourcing the loan servicing to Covey Financial helps lenders streamline operations, allocate resources wisely, and focus on core business activities. This not only improves operational efficiency but also boosts customer service and satisfaction. Whether you are a borrower needing reliable payment processing or a lender looking to improve loan management, teaming up with a trusted mortgage loan servicer in Texas like Covey Financial offers significant advantages in the competitive real estate market. 

Who Is Involved with Mortgage and Loan Servicing in Texas?

The Texas mortgage services includes the following key parties:


These are individuals or entities who take loans to purchase property or real estate. Borrowers are directly responsible for making timely payments on their loans according to the terms agreed upon with the lender.


Financial institutions or private lenders provide the funds for people to take loans. Lenders establish the terms and conditions of the loan, including interest rates, repayment schedules, and any other specific requirements.


Third-party companies specialize in managing loans on behalf of lenders. Mortgage loan servicers in Texas handle various administrative tasks such as collecting payments from borrowers, managing escrow accounts for property taxes and insurance premiums, responding to borrower inquiries, and ensuring compliance with regulatory requirements.


These entities may include individuals, financial institutions, or investment funds that purchase mortgage-backed securities or directly invest in loans. Investors provide the capital that lenders use to originate loans. Their involvement in the mortgage servicing process may influence the terms under which loans are offered to borrowers. 

These key parties are interconnected and form a collaborative framework that makes the Texas mortgage services running smoothly, helping people buy homes, supporting investors, and boosting the economy by facilitating property sales. Each party plays an important part in ensuring the system works well for everyone involved.

FAQs on Mortgage and Loan Servicing in Texas

Mortgage servicing companies in Texas handle the day-to-day management of loans, including collecting payments, managing escrow accounts, and handling any issues that arise during the loan term.

In some cases, borrowers may have input into selecting their mortgage servicer, depending on the terms of their loan agreement.

If you anticipate difficulty making mortgage payments, it’s crucial to contact your servicer immediately to discuss available options such as loan modification or forbearance.

Yes, Texas law provides certain protections for borrowers, including requirements for transparency in loan servicing practices and avenues for resolving disputes.

Why Choose Us?

Covey Financial stands out among mortgage servicing companies in Texas for our reliable and expert handling of loans. As a leader in Texas mortgage servicing, we ensure your payments are managed seamlessly and your financial interests are protected. Our team is dedicated to navigating Texas regulations with precision, ensuring transparency and trust in every transaction.

Whether you are a lender managing your mortgage portfolio or an investor overseeing your investments, Covey Financial simplifies the complexities of loan servicing. Our dedicated team is driven by a passion for delivering exceptional service and tailored solutions that cater to your unique needs in Texas’ dynamic real estate market.

Choosing Covey Financial means partnering with a team that not only comprehends the intricacies of Texas mortgage services but also prioritizes your financial success and peace of mind. Discover how our specialized services can effectively support your financial objectives, ensuring a confident and reliable journey in mortgage management. Explore the advantages of working with Covey Financial by getting in touch with us at the earliest.