Penny-Accurate Engine
Amortizing, interest-only, and balloon notes across any payment frequency — backed by a fully tested integer-cents math engine. Every schedule, waterfall, and payoff ties out to the cent.
Cloud loan servicing — built for 2026
Service your loans.
Skip the desktop.
Track payments, generate statements, automate tax tracking, score risk with AI, and give borrowers their own portal — from any browser, with your whole team. No installs, no file shuffling, no half-built features.
No credit card to start · Full product, not a demo
Built for private lenders, note investors & servicers
Integer-cents math engineRESPA-compliant escrow analysisForm-1098 & installment-sale readyBank-grade audit trail
Everything in one place
A full servicing back office, minus the back office.
The math, the portal, the statements, and the audit trail — designed to work together so you don't stitch tools together yourself.
Borrower Portal Included
Share a secure link and borrowers see balances, payoff quotes, and payment history. No login, no app install — the full, production-ready portal.
Built-In AI Assistant
Ask questions in plain English and get answers straight from your live loan data — “which notes are 30+ days late?” It also finds the right feature or help article for you, on demand.
AI Risk Scoring
Claude-powered default-risk analysis with probability estimates, key factors, and recommended servicer actions on every loan.
One-Click Statements
Professional PDF loan statements with full payment history, generated on demand and ready to mail or email.
Built for Teams
Owner, admin, loan officer, and viewer roles — hand your bookkeeper a login instead of a spreadsheet.
Audit Everything
Every payment, edit, and status change is logged with before-and-after values. Your records hold up.
Flagship · Tax Tracker
Tax season,
already done.
Every note is tracked from acquisition to disposition. NoteHarbor computes your IRS Form 6252 installment-sale figures automatically, keeps basis and depreciation current, and hands your CPA a finished file — no spreadsheets, no scramble in April.
Acquisition → disposition tracking
Cost basis, acquisition method, depreciation, and the full disposition picture follow each note for its entire life.
Form 6252 math, computed for you
Gross profit %, contract price, excess mortgage over basis on wraps, and the gain on principal you actually collected — calculated automatically, every tax year.
One-click CPA export
A single click produces a ZIP with the worked Form 6252 figures and supporting documents. Email it to your accountant and you're finished.
The hard parts, handled
Built for the structures other software ignores.
Wraps and escrow are where servicing gets genuinely hard. NoteHarbor treats them as first-class — not an afterthought you reconcile by hand.
Wrap & AITD tracking
Link a wrap or all-inclusive note to its underlying loans and NoteHarbor surfaces the whole structure — not two schedules you stitch together yourself.
- See the interest spread between the wrap and what you owe underneath
- Combined amortization across the wrap and its underlying notes
- Wrap-portfolio cashflow — cumulative net across every structure
Escrow analysis that fills itself in
Our AI scrapes county tax records and auto-fills your RESPA escrow analysis — the numbers land before you start typing. A built-in fallback extractor keeps it working even when records are messy.
- County tax records read and filled in automatically
- RESPA-compliant analysis (12 CFR 1024.17 cushion cap)
- Built-in fallback extractor — no AI key required to keep running
Why switch
Cloud-native beats a desktop disk.
Legacy desktop servicing software locks your portfolio to one machine. NoteHarbor lives in the cloud — everywhere your business already works.
NoteHarbor
Desktop
Where it runs
Any browser, any deviceAny browser, any device
One Windows machineOne Windows machine
Your whole team
Role-based logins includedRole-based logins included
Per-seat or shared passwordPer-seat or shared password
Borrower portal
Built in, secure linkBuilt in, secure link
Not availableNot available
Tax tracking & CPA export
Form 6252 math, one-click ZIPForm 6252 math, one-click ZIP
Spreadsheets & guessworkSpreadsheets & guesswork
AI risk scoring
On every loanOn every loan
Not availableNot available
Backups & updates
Automatic, continuousAutomatic, continuous
Manual, on youManual, on you
Cost to start
From $29/mo, 30-day free trialFrom $29/mo, 30-day free trial
Hundreds up-front for a desktop licenseHundreds up-front for a desktop license
Simple, capacity-based pricing
Low base. Fair servicing.
Pick a plan for the loans you have today. Above your cap, a small per-loan servicing fee kicks in — and most note holders pass it straight through to borrowers, so it stays painless.
Solo
For the individual note holder
$29/mo
10 loans included
then $2.8/loan/mo servicing
Passed through to the borrower — $0 net to you
- Up to 10 loans, then $2.80/loan/mo — pass through to borrowers
- 1 user
- 5 GB document storage
- Escrow analysis & borrower portal included
- PDF statements & invoices
Starter
Perfect for getting started
$49/mo
30 loans included
then $2.5/loan/mo servicing
Passed through to the borrower — $0 net to you
- Up to 30 loans, then $2.50/loan/mo — pass through to borrowers
- 1 user + 1 assistant login (limited role)
- 10 GB document storage
- Escrow analysis & borrower portal included
- PDF statements & invoices
- Email support
Most popular
Pro
For growing lending operations
$99/mo
50 loans included
then $2.25/loan/mo servicing
Passed through to the borrower — $0 net to you
- 50 loans included, then $2.25/loan/mo — pass through to borrowers
- 3 full users
- 50 GB document storage
- White-label invoices & statements
- Escrow analysis & borrower portal included
- Priority support
Business
Built for scale
$199/mo
150 loans included
then $2.15/loan/mo servicing
Passed through to the borrower — $0 net to you
- 150 loans included, then $2.15/loan/mo — pass through to borrowers
- 5 full users
- 200 GB document storage
- White-label invoices & statements
- REST API access & webhooks
- Dedicated support
- Need more? Talk to Enterprise sales
The per-loan servicing fee costs you nothing.
It's a standard pass-through servicing cost — note holders bill it to the borrower, exactly like any other servicing charge, so it nets to $0 for you. Every figure is shown transparently on the statement, so nothing is hidden from anyone.
Enterprise
White-label & custom — unlimited loans & users, custom contracts, and a dedicated account manager.
Questions, answered.
- Can I pass the per-loan servicing fee to borrowers?
- Yes. The per-loan servicing fee above your plan cap is a standard pass-through servicing cost — most note holders fold it into the borrower's billing so it nets to zero for you. NoteHarbor keeps the math display-only and transparent on every statement.
- Is there really a free trial?
- Every account starts with a full 30-day free trial — no credit card to begin. You get the complete product, not a stripped-down demo, so you can migrate a real portfolio and see it work before you pay.
- What happens when I go over my included loans?
- Nothing breaks. Loans above your plan cap simply bill the per-loan servicing fee for that tier (as low as $2.15/loan on Business). You're never blocked from adding a loan, and you can move up a tier any time for a lower rate.
- Do borrowers need to install or sign up for anything?
- No. The borrower portal is a secure link — borrowers click it and see their balance, payoff quote, and payment history. There's no app, no account, and no password for them to manage.
- What does the tax tracker actually do at tax time?
- It tracks each note from acquisition to disposition, computes your IRS Form 6252 installment-sale figures automatically — gross profit %, contract price, and the gain on principal you actually collected this year — and tracks basis and depreciation. When it's time to file, one click produces a CPA export: a ZIP with the worked Form 6252 numbers plus supporting documents. Hand it to your accountant and you're done.
- Can I track wraps and AITD notes?
- Yes. Link a wrap or all-inclusive note to its underlying loans and see the interest spread, a combined amortization view, and wrap-portfolio cashflow across every structure — instead of reconciling two separate schedules by hand.
- What can the built-in AI assistant do?
- Ask it questions in plain English and it answers from your live loan data — balances, who's late, payoff figures — and it points you to the right feature or help article when you need one. It's part of the product, not a chatbot bolted on.
- Can I move my existing loans over?
- Yes. Add loans through a guided wizard with full payment history, and the penny-accurate engine re-projects every schedule from the real balance. Your audit trail starts the moment you import.
Leave the desktop era behind.
Plans start at $29/month with a 30-day free trial. No up-front license, and your portfolio lives securely in the cloud.