If you're the one collecting interest, you may need to report it: NoteHarbor builds Form 1098 from the payments you already recorded.
Interest tracking
For each ASSET loan (a note you hold, where you're the interest recipient), NoteHarbor totals the mortgage interest received for the calendar year from the payments you recorded. Reversed and deleted payments never count. From tax year 2026, if a loan has a servicing start date (the date you started receiving its payments, for example on a note you bought or took over from another servicer), the 1098 counts only interest received on or after that date. You set it on the loan or when you import its payment history; nothing sets it for you. Confirm this rule with a tax professional before you file Forms 1098 in January 2027.
Generate the PDF
On an asset loan, open Borrower Items, then choose Download PDF under Form 1098. It covers the prior tax year and is populated from the loan's real interest history (no re-keying).
Bulk generation
Need 1098s for your whole book? On the Loans list, select multiple loans, pick the tax year, and choose Generate 1098s. You get one ZIP with a PDF per asset loan. Loans that aren't asset loans are skipped. For tax year 2026 and later, it first lists any selected loans that have payments dated before they were added and no servicing start date, so you can set the date or choose to generate them as is.
Email it to the borrower
In Borrower Items, choose Email to borrower to send the 1098 PDF to the primary borrower's email on file. It sends only when you click, one loan at a time. NoteHarbor does not send 1098s automatically, so send or mail each one yourself before the deadline.
1098 applies to ASSET loans where you receive the interest. Only an Owner or Admin can generate or email a 1098, and your account may require two-factor sign-in first. The form shows each borrower's tax ID masked, never in full. These forms support your filing (confirm specifics with your CPA).