If you’re holding a private mortgage note and seeking a way to convert it into cash, you're not alone. Across the country, thousands of note holders are realizing the benefits of selling their real estate notes rather than waiting years to collect monthly payments. Whether you're an individual seller, investor, or heir, our streamlined and secure process helps you unlock the value of your asset. We buy real estate notes nationwide—fast, fair, and professionally.
This page outlines everything you need to know about selling your real estate note, how the process works, what kinds of notes we purchase, and why it makes financial sense for many Americans.
Why Sell a Real Estate Note?
A real estate note can offer a reliable source of passive income, but it also ties up capital over time. Selling your note allows you to access a lump sum of cash now, providing financial flexibility when you need it most. Common reasons sellers decide to part with their notes include:
- Major life events: Education, retirement, marriage, or relocation
- Investment opportunities: Reallocating funds to higher-yield ventures
- Risk reduction: Eliminate concerns about borrower defaults or missed payments
- Estate settlement: Convert inherited notes into divisible cash assets
- Debt relief: Use proceeds to pay off personal or business obligations
Whatever your reason, selling your note provides immediate control over your capital and simplifies your financial landscape.
What Types of Notes Do We Buy?
We purchase a wide variety of privately held real estate notes from all 50 states. These include:
- Residential notes: Single-family homes, duplexes, townhomes, and condos
- Commercial property notes: Offices, warehouses, and retail locations
- Vacant land notes: Rural acreage, urban lots, and development land
- Mixed-use properties: Buildings used for both residential and business purposes
- Mobile home notes: With or without land attached
- Balloon notes: Notes with large final payments
- Interest-only notes: Loans structured with interest-only payments for a period
Whether your note is newly originated or has been active for years, there’s a strong chance we can help. Even notes with imperfect borrower credit or irregular payment histories may still qualify for purchase.
Who Typically Sells Notes?
Our clients range from private individuals to legal professionals, and from business owners to real estate investors. Typical note holders include:
- Property sellers who offered owner-financing
- Heirs who inherited mortgage notes through estates
- Real estate investors looking to free up capital
- Attorneys or trustees managing asset distribution
- Retirees seeking lump-sum income over monthly payments
Every seller has a unique reason, but they all share one goal: turning long-term payments into immediate cash without complications.
How Our Note Buying Process Works
We’ve designed our process to be transparent, straightforward, and efficient. Here’s how it typically works:
- Step 1: Provide note details
Send us information about your note—property type, remaining balance, interest rate, payment history, and more.
- Step 2: Receive a no-obligation offer
We review your note and provide a fair, customized cash offer based on its current market value.
- Step 3: Verification and paperwork
Once you accept the offer, we perform due diligence to confirm legal documents, property status, and payment records.
- Step 4: Close and get paid
Funds are wired to your account or issued via certified check. The entire process often takes just a few weeks.
We guide you through each step and handle most of the paperwork, ensuring your experience is smooth and stress-free.
How We Determine Your Note's Value
The offer you receive depends on several important variables:
- Remaining unpaid principal balance
- Monthly payment amount and consistency
- Length of time the note has been active
- Borrower's creditworthiness
- Current market value of the property
- Loan-to-value ratio (LTV)
- Interest rate and amortization terms
- Legal documentation and note history
We offer full or partial purchase options. In a full purchase, we buy all future payments. In a partial, we buy a portion of the stream—allowing you to retain some long-term income.
Nationwide Coverage, Local Knowledge
We buy real estate notes across the entire United States. From urban markets to rural farmland, we have the resources and expertise to evaluate notes in every region. Our experience with various state laws, local markets, and property types ensures a fair and accurate assessment.
Even if your property is in a smaller town or out-of-state, we have the capability to close your deal professionally and quickly.
Why Choose a Professional Note Buyer?
Selling a note is a financial decision that requires trust and transparency. Working with a professional note buyer offers distinct advantages:
- Fast turnaround and reliable closing
- No hidden fees or lengthy delays
- Custom options to sell full or partial notes
- Confidential, no-pressure consultations
- Experience handling complex note structures
Our goal is to create win-win outcomes—delivering value to sellers while providing buyers with well-structured investments.
Frequently Asked Questions
Can I sell a note if the borrower has missed payments?
Yes. While perfect payment history improves the offer, notes with missed or late payments can still be considered.
What documentation do I need?
You'll typically need the original promissory note, deed of trust or mortgage, closing statement, and payment records. We help you gather and review these documents.
Do I pay closing costs?
Most transactions include minimal or no out-of-pocket costs to the seller. Terms are discussed upfront to ensure clarity.
How fast can I receive payment?
Many closings take just 2–4 weeks, depending on the complexity of the note and documentation availability.
Start Your Note Sale Today
Holding a real estate note doesn’t have to mean waiting years to access your money. If you’re ready to turn your note into a lump sum of cash, we’re ready to help. We buy real estate notes nationwide—residential, commercial, land, and more.
Take control of your financial future by requesting a valuation today. Whether you’re selling for opportunity, simplicity, or liquidity, our team is here to help you make an informed decision and get the cash you deserve.
