Whether you created a seller-financed note when you sold a property or acquired a private mortgage note as an investment, selling your note can provide liquidity, reduce risk, or simplify your finances. As experienced note buyers, we focus on clear communication, realistic pricing, and a straightforward closing process.
We buy a wide range of private mortgage notes, including:
Seller-financed mortgage notes
Owner-financed notes
Land contracts and contracts-for-deed
Wrap notes
First and second position notes
Performing and non-performing notes
If you’re unsure what type of note you have, that’s okay — we can help you determine that during the review.
Selling a mortgage note doesn’t have to be complicated. Our process is simple:
Step 1: Submit basic information about the note and property
Step 2: We review payment history, remaining balance, lien position, and collateral
Step 3: You receive a no-obligation cash offer
Step 4: We close through a title company or attorney and funds are wired at closing
There are no listing fees, no commissions, and no obligation to accept an offer
Mortgage notes are not priced at face value. The value of a seller-financed or owner-financed note depends on several factors, including:
Remaining unpaid balance
Interest rate and loan terms
Payment history and borrower performance
Property value and condition
Lien position (first vs. second)
Overall risk profile of the note
Our goal is to provide clear, realistic pricing so you can make an informed decision.
Note holders sell for many reasons, including:
Accessing cash instead of waiting years for payments
Reducing risk tied to borrower performance
Simplifying estate or financial planning
Reallocating capital into other investments
Selling a mortgage note can be a strategic financial decision, not a distressed one.
Yes—seller-financed and owner-financed notes can often be sold for a lump sum. Selling a mortgage note means selling your right to receive future loan payments in exchange for a lump sum of cash today. Instead of collecting monthly payments over time, you transfer the note to a buyer and receive immediate liquidity.
The underlying property remains the borrower’s responsibility — you are selling the note, not the house.
We buy a variety of notes secured by Real property, including:
Owner-financed mortgage notes
Seller-financed loans
Contracts for deed and land contracts
Performing and non-performing notes
Notes secured by residential or small commercial property
If you’re unsure what type of note you have, we can help review it.
Mortgage notes are not priced at face value. Pricing depends on the payment history, interest rate and remaining term, unpaid balance, property value and condition, lien position (1st vs 2nd), and overall risk. We aim to provide clear, realistic pricing so you can make an informed decision.
Not always. In some situations, note holders choose to sell only a portion of the note and keep future payments. This can provide immediate cash while maintaining long-term income.
Each situation is different, and available options depend on the note terms and property.
We buy both performing and non-performing mortgage notes. Even if the borrower is late or has missed payments, the note may still have value.
Non-performing notes are reviewed based on the property, remaining balance, and overall situation.
Common reasons include:
Accessing cash without waiting years for payments
Reducing risk from borrower default
Simplifying estate or financial planning
Avoiding the time and stress of enforcement
Selling a note converts future payments into cash today.
Timelines vary depending on the note and property, but once terms are agreed upon, closings are often completed in weeks rather than months.
The process is straightforward:
You provide basic information about the note and property
We review the note terms and underlying property
You receive a cash offer with no obligation
If you choose to proceed, we coordinate closing
Closing is handled through a title company or attorney
There are no listing fees or broker commissions. The offer you receive reflects the purchase price of the note.
You can request a review by sharing a few basic details about the note, such as payment amount, remaining balance, and property location. We’ll review the information and explain your options.
