Answers to What Note Holders Ask Us Most

We evaluate several factors, including the remaining balance, interest rate, payment history, term length, and the underlying collateral. Our team walks you through exactly how we arrived at your offer — there's no black box calculation.

No. Many note holders choose to sell only a portion of their remaining payments — for example, the next several years of payments — while continuing to receive payments after that period. We'll walk you through both options.

No. Reviewing your note and providing a cash offer is completely free, and you're never obligated to accept. We'd rather you make the decision that's actually right for you.

Once you accept an offer and required documentation is provided, most closings are completed within a few weeks. Timelines can vary depending on the complexity of the note and how quickly documentation comes together.

We work with seller-financed mortgage notes, land contracts, owner-financed notes, private mortgage notes, business notes, and note portfolios. If you're unsure whether your note qualifies, call us and we'll let you know quickly.

Often, yes. Notes with an inconsistent payment history are reviewed differently than performing notes, but many are still eligible. Share the details with us and we'll give you an honest assessment.

We review notes nationwide. Certain state-specific requirements may apply to the closing process, which our team will walk you through if applicable to your note.

Typically the original note, mortgage or deed of trust, payment history, and any related loan documents. If you don't have every document on hand, let us know — we can often help track down what's missing.

Our team prepares and coordinates all closing documentation, working with a title company or closing agent as needed to ensure the transaction is handled correctly and recorded properly.

Yes. As with any note transfer, the borrower is formally notified of the new payee so future payments are directed correctly. We handle this notification as part of the closing process.