NoteHarbor blog
Notes, serviced
without the guesswork.
Practical writing for people who hold paper: how payments actually apply, what an escrow analysis owes a borrower, why payoff quotes get disputed, and what January looks like when December went well.
Educational only. Nothing here is legal, tax, or accounting advice.
Latest
RSS feedPartial payments and suspense: the right way to handle a short check
What a suspense account is for, the three ways note holders get short payments wrong, and how to keep the ledger defensible when a borrower sends less than the payment.
- payments
- servicing
- compliance
How to service a seller financed note without losing your weekends
A practical routine for private note holders: what to do on payment day, what to do monthly, what to do once a year, and which parts are worth automating first.
- seller finance
- servicing
- payments
The real cost of servicing notes in a spreadsheet
Spreadsheets are excellent at arithmetic and bad at three specific things note holders need: day counts, late fee rules, and escrow. Here is where the errors actually come from.
- spreadsheets
- servicing
- escrow
What a payoff statement must show, and why borrowers dispute the ones that do not
The line items a payoff quote needs, why a good through date matters more than the total, and the four disputes that come from leaving something out.
- payoffs
- servicing
- compliance
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Amortization, payoff and reinstatement, note value, and carryback structuring. All public, all free, no account needed.