RGV Land Loan Servicing and Management: A Texas Team You Can Trust

Owning land in the Rio Grande Valley is a personal goal rooted in family, independence, and the desire to build something lasting. At Santa Cruz Properties, our RGV land loan servicing and management team treats your goals like our own.

If your dream includes ranchettes, small farms, or a homesite for your future, we’re here to help you buy land in Texas and keep your note managed the right way.

See who we are on our About page and browse available properties anytime.

Local Loan Servicing That Works for You

Our loan servicing is built around one idea: you should focus on building your life on the land, not chasing paperwork. Whether you’re just getting started or already paying toward ownership, our local team in Edinburg provides personal attention and fast, accurate support.

We process payments, maintain records, and handle escrow accounts with transparency. Because we manage everything in-house, you’ll always know where your payments go, how your balance changes, and what to expect next.

Visit our FAQ page for quick answers or contact us if you need help with your account.

What Land Loan Servicing Covers in the RGV

We want you focused on your plans for the land, not the fine print. Here’s what our servicing team handles day in and day out for Rio Grande Valley landowners.

Payment Processing, Posting, and Escrows

We process and post monthly payments accurately and on time. You can track your balance, interest, and progress toward payoff with clear records and statements.

When escrows are set up, we collect and manage funds for property taxes and applicable fees, then pay the county when due.

Prefer to pay online? Visit our Payments page to manage your note securely. You can also pay by mail or in person at our Edinburg office. For mailed or in-person payments, we accept money orders, personal checks, and cashier’s checks. We do not accept cash or credit cards for security reasons.

Statements, Reporting, and Lien Releases

Our servicing team maintains your account history, provides regular statements, and helps you understand your amortization schedule.

Need a payoff? We produce formal payoff quotes and walk you through the final steps. Once your land loan is paid in full, we promptly prepare the release of lien and related documents so your deed of trust reflects full ownership without delays.

We also handle year-end reporting, issuing 1098 or 1099 forms as required for your records.

Structuring Owner-Financed Land Notes Correctly

A good deal starts with solid paperwork. Our loan management process ensures that every note supports long-term success and clean title.

Note and Deed of Trust, Not Contracts for Deed

In Texas, a promissory note secured by a deed of trust is the standard for owner financing. This structure gives you clear rights at closing and avoids many of the problems tied to contracts for deed, which are heavily regulated and can create confusion.

We close each transaction with recorded documents, transparent terms, and the protections you expect in a land purchase. Learn more about how our owner financing process helps Texas buyers succeed.

Terms, Down Payments, Balloons, and Late Fees

Our team takes the time to explain principal, interest, due dates, grace periods, and late fees in plain language. Down payments are discussed upfront, along with total cash-to-close and any additional fees.

Balloon features may be used in certain land notes, but consumer-purpose, owner-occupied deals must follow federal rules that can limit or prohibit balloons. We help you understand what applies to your situation and make sure your note stays compliant throughout.

If you plan to build a home now or later, we’ll align your financing terms with your goals so you can move forward with confidence.

Regional Factors That Impact Servicing

The Rio Grande Valley and Coastal Bend each have unique details that affect how we service and support your land note. These regional factors help shape your property’s long-term value and future plans.

County Appraisals, Homestead, and Agricultural Valuations

We monitor appraisal district updates and help you understand tax changes that may affect your property. If your land becomes your primary residence, you can apply for a homestead exemption to lower your annual taxes.

For larger tracts or ranchettes, agricultural valuation (often called “ag use”) may apply if you qualify based on property use and acreage. This can lower your property tax rate but comes with specific maintenance requirements and potential rollback taxes if land use changes.

Floodplains, Windstorm, Utilities, and Plat Compliance

Parts of South Texas are located in flood-prone areas. Before building, we encourage all owners to review FEMA maps and local drainage rules to avoid costly surprises.

If your property is near Robstown or the coast, windstorm compliance and insurance may be required once you begin improvements.

We also help verify plat status and subdivision rules to ensure you can access utilities, secure an address, and obtain building permits without delay. Residential lots we sell typically include essential utilities ready for connection, while commercial tracts may need additional steps. We clarify these details during your purchase so you can plan ahead.

The Advantages of Local Servicing

Many lenders sell your loan to a third party, making it harder to get answers or updates. At Santa Cruz Properties, we keep everything local. That means you deal directly with the people who understand your property, your payments, and your goals.

Local servicing also helps us respond faster. Whether you need a payoff quote, escrow update, or lien release, you can reach our Edinburg office directly. We believe that when your lender and servicer are part of the same community, you get better service and peace of mind.

Our team is proud to serve families throughout Hidalgo, Cameron, Brooks, and Nueces counties. We’re more than a company—we’re your partners in building a secure future on your land.

Keeping Your Loan in Good Standing

Successful ownership begins with consistency. Making on-time payments and reviewing your statements regularly helps ensure your account stays in good standing. If your financial situation changes, reach out to us early so we can work together on possible options.

We recommend keeping copies of your statements, tax bills, and insurance records in a safe place. You can always contact our servicing department for account verification or documentation requests.

Our blog also offers helpful tips on budgeting, property management, and land ownership in South Texas.

Why RGV Land Loan Management Matters

Good servicing protects your investment. When payments, escrows, and legal filings are handled correctly, your property’s title stays clear and your ownership path stays on track.

Our RGV land loan servicing and management program provides the structure, support, and accountability that make land buying possible for hundreds of families every year. From payment processing to deed release, our goal is to make land ownership achievable and secure for everyone who dreams of calling Texas home.

More than just a business, we see this work as part of building the Rio Grande Valley itself. Every tract we help manage represents someone’s vision for a better tomorrow—a family home, a retirement plan, or a small ranch ready to grow. Through personal service and careful attention to detail, we protect that dream at every stage of the journey.

At Santa Cruz Properties, we’ve earned the trust of generations because we believe ownership should be straightforward, honest, and local. When you’re ready to buy or manage land, partner with a team that stands beside you from the first payment to the final deed.

FAQs About RGV Land Loan Servicing and Management

What does land loan servicing include?

Servicing includes payment collection, escrow management, account recordkeeping, tax reporting, and lien release once the loan is paid off.

Can I make payments online?

Yes. Visit our Payments page for secure online payment options.

Does Santa Cruz Properties handle escrow for taxes and insurance?

Yes. We manage escrow accounts when applicable to ensure property taxes and fees are paid on time.

How do I request a payoff quote?

You can request a written payoff quote by contacting our Edinburg office or submitting a request online through our Contact page.

What happens once I pay off my loan?

After the final payment clears, we prepare and record your release of lien so your deed reflects full ownership.