Free underlying-lien monitoring
We watch and pay the senior mortgage beneath every wrap — at no extra cost. No surprise default, no due-on-sale trigger.
Nationwide · Subject-to & wraparound servicing
The fixed point your
The fixed point your
wrap deals navigate by.
Polaris Management provides compliant, accurate, automated servicing for investor-driven loans — wraps, subject-to deals and seller-finance notes — and we monitor and pay the lien underneath, free, so a wrap never blows up on a missed payment below you.
- Veteran-owned
- Family-owned
- NMLS# 1885253
- 1 loan or 100
0
States we can service in
$0
Cost to monitor your underlying lien
0%
Payments reconciled to the cent
$0/mo
Flat servicing fee per address
Built for the way wraps actually work
Servicing that protects the deal — top to bottom.
Wrap & subject-to specialists
Wraparound notes, subject-to deals, AITDs and seller-finance — serviced by people who actually understand the structure.
Compliant servicing
Collection, escrow, disbursements and year-end 1098/1099 tax forms, handled accurately and on time.
Lender & borrower portals
Live balances, payment history and documents for both sides — powered by the WrapServicer platform (2026).
How it works
From note to autopilot in four steps.
You hand us the structure. We run the money — and we keep the loan underneath current.
01
Onboard your note
Send us the wrap and the underlying. We build the ledger, set the escrow, and verify every term — to the cent.
02
Your borrower pays Polaris
We collect the payment, post it instantly, and give the borrower a clean statement and a receipt every time.
03
We pay the lien underneath — free
Polaris pays and monitors the senior mortgage, taxes and insurance, so the loan that secures your deal never falls behind.
04
Everyone sees it clearly
Emailed statements on the 25th, payment notifications, and year-end 1098/1099 tax forms — for lender and borrower.
Why Polaris
A wrap is only as safe as the loan underneath it.
Most servicers collect the wrap payment and stop there — leaving the underlying mortgage as your blind spot. Miss a payment below, and the whole deal is one default notice away from a due-on-sale call. Polaris closes that gap: we pay and monitor the underlying lien for you, free, and reconcile every dollar to the cent.
- Underlying lien paid on time, every time — and monitored continuously
- Every payment reconciled and audit-trailed
- Borrower and lender portals with live balances and documents
- Year-end 1098/1099 tax forms prepared for both sides
- Built on WrapServicer — the platform purpose-built for wraps
The Polaris flow
Borrower pays Polaris
One clean payment, posted instantly
Polaris reconciles & disburses
To the cent, with a full audit trail
Free
Underlying lien
Paid & monitored
Net
Lender
Direct deposit
What's included
One flat fee. The whole back office.
$150 set-up and $45/month per address — regardless of escrow management or number of underlying liens.
Collection
Emailed monthly statements and payment verification to lender and borrower.
Payments & disbursement
Disbursement of all funds to the appropriate parties — lender, underlying loan, and more — with direct deposit to the lender's account.
Escrow
Escrow management and distribution, with an annual analysis of escrow funds.
Tax documents
Year-end 1099-INT and 1098 IRS forms prepared for borrower and lender federal income tax.
Records
Full accounting and record keeping of every loan in your portfolio.
Underlying-lien payment & monitoring
We pay the senior mortgage from the wrap proceeds and monitor it continuously — included at no extra cost.
Good questions
Wraps, escrow, pricing — answered.
What is a note or loan servicing company?
A note or loan servicing company collects promissory note payments on your behalf. Loan servicing includes sending monthly statements, collecting monthly payments, maintaining records of payments and balances, and managing escrow funds (if applicable). Funds are then remitted to any underlying liens and to the note holder. Additionally, a servicing company has the time and resources to follow up on any delinquencies.
How much escrow is needed to start?
The legal minimum reserve of 2 months (1/6 of annual payments) will be due to start. Additionally, property taxes for the months prior to the start of servicing will be due — see the Escrow Reserves Chart for further explanation. Please note: the borrower is responsible for the first full year of insurance (at closing), or the first year the note is serviced by Polaris Management (if transferred or a new escrow account is managed).
Does Polaris Management report to the credit bureaus?
We do not report to the credit bureaus at this time. Please be patient while we work to provide this service to our lenders and borrowers.
What does it cost to use Polaris Management?
There is a one-time set-up fee of $150 and a $45 monthly servicing fee per address.
How long is the commitment?
No long-term contracts. We require a 30-day notice to terminate a file so we can send disclosures and prepare final accounting. We ask that you give us 3 months minimum to show the value we bring to your portfolio.
Ready when you are
Put your wraps on autopilot — with a safety net.
Tell us about your notes. We'll show you exactly how Polaris services them and protects the lien underneath.