Your Trusted Advisor for
Owner-Financed Mortgage Notes
Guidance First. We Buy When You're Ready.
Helping private mortgage note holders understand,
grow, and sell all or part of their note.

An owner-financed mortgage note — also called a seller-financed note or private mortgage note — is a written promise to repay a loan that was made directly by the property seller. Instead of the buyer obtaining a bank loan, the seller agreed to accept payments over time. The note documents the loan terms, and the agreement is typically secured by the property itself through a mortgage, deed of trust, or land contract.

A private mortgage note is essentially the same as an owner-financed mortgage note — it is a promissory note held by a private individual rather than a bank or institutional lender. The term "private" refers to the fact that the lender is a person or a small entity, not a traditional financial institution. Private mortgage notes are created through seller financing, owner carry-back arrangements, and similar transactions.

In many cases, yes. Note holders can sell their private mortgage notes to note buyers. The buyer purchases your right to receive future payments and pays you a lump sum in exchange. Whether your specific note qualifies depends on factors like the remaining balance, payment history, property type, and terms of the note. Requesting a review is the first step to finding out whether selling is an option for you.

Yes, a partial purchase is a common option. In a partial purchase, you sell a defined number of future payments for a lump sum. Once those payments are collected by the note buyer, the remaining payment stream returns to you. This allows you to access cash today while keeping some of your future income intact. Whether a partial purchase makes sense depends on your goals and your note's terms.

No. You are not required to sell the entire note. Depending on your note's details and your goals, you may be able to choose between a full purchase (selling the entire remaining balance) or a partial purchase (selling a portion of the payments). We will help you understand both options so you can make the choice that fits your situation.

The value of a private mortgage note depends on several factors, including the remaining balance, interest rate, payment history, remaining term, property type and condition, and the buyer's creditworthiness. We cannot give you a reliable estimate without reviewing the details of your specific note. That is exactly what the note review process is designed to determine. Requesting a review is free and carries no obligation.

Several factors influence what a note buyer will pay for your seller-financed note. A higher remaining balance, a consistent payment history, a reasonable interest rate, a shorter remaining term, and a well-maintained property in a strong market all tend to increase a note's value. Conversely, missed payments, a low interest rate, a longer remaining term, or a property in poor condition may reduce the offer. Each note is evaluated individually.

An initial review typically begins within a few business days of receiving your note information. The full timeline for completing a review and presenting options depends on how quickly we can gather additional details and verify the information provided. If your note appears to qualify, we will contact you to discuss next steps. Many initial assessments are completed within one week.

To begin a review, we generally ask for basic details including the property state and type, the remaining balance, the monthly payment amount, the interest rate, the approximate remaining term, and the payment history. You do not need to have your note documents in hand to submit the initial request — the form on this page captures everything we need to get started.

Documents are typically required later in the process — not at the initial review stage. Once your note is being seriously evaluated, common documents requested include the original promissory note, the mortgage or deed of trust, the settlement or closing statement, any recorded documents, payment history records, and, if available, a current property value estimate. We will guide you through the documentation process step by step if your note moves forward.

A note with missed or late payments is more difficult to sell, and may affect the offer significantly — or disqualify the note from a purchase entirely. However, payment history is just one of many factors we consider. We encourage you to submit a review request regardless, and we will give you an honest assessment of what options, if any, may be available given the payment history on your note.

A note that is not recorded in public records presents additional challenges and risk. While this does not automatically disqualify a note from consideration, it is an important factor in the review. If your note is unrecorded, it is worth mentioning in your request form so we can factor that into the initial assessment.

Inherited private mortgage notes are eligible for review. If you inherited a note and are now the note holder, you have the same rights as the original holder — including the right to explore selling the note. You may not have all the original documents, and the payment history may be unclear; we will work with you to gather what is needed and provide an honest assessment of your options.

We review and purchase notes nationwide. The property does not need to be in your state of residence, and you do not need to be located near the property. Requirements and recording laws vary by state, but our team is familiar with state-specific considerations and handles those details as part of the process.

Notes with balloon payments — where a large lump sum is due at a future maturity date — can still be reviewed. The balloon payment date and amount are factored into the note's valuation. In some cases, a balloon note may actually make a partial purchase particularly attractive, since you can access cash now and the balloon payment eventually returns to you. We will evaluate the specifics of your note during the review.

That is one of the most common reasons sellers explore selling a mortgage note. If you are receiving monthly payments on a seller-financed note and would prefer to have all — or most — of that value as a single cash payment today, that is exactly the scenario a full note purchase is designed for. The note review will help determine whether your note qualifies and what a lump sum offer might look like.

No. Requesting a note review is simply a way to understand your options. There is no obligation to sell at any stage. If you decide not to move forward after receiving information, that is completely fine — we will never pressure you or follow up in a way that feels aggressive. You are always in control of the process.

No, not every note will qualify for purchase. Notes with poor payment history, unrecorded collateral, very low balances, or other complicating factors may not qualify — or may not qualify at terms that make sense for the seller. We will always give you an honest answer during the review process. If your note does not appear to qualify, we will tell you clearly and explain why.

The process begins with a free note review request — you share the basic details about your note using the form on this page. We review what you have submitted and contact you to discuss the note and what options may be available. If your note qualifies and you are interested in moving forward, we will request additional documents to prepare a formal offer. You then review the offer and decide whether to accept, negotiate, or decline. There is no cost and no obligation at any point.

The next step is simple: fill out the note review request form on this page. Share what you know about your note — even if your information is incomplete. We will review your submission and reach out to discuss your note, your goals, and what options may make sense for your situation. There is no cost and no commitment required to get started.