From first call to funded, in four steps
Selling a note isn't complicated, but nobody explains it, which is why it feels complicated. Here's exactly what happens.
- Tell us about your note
Call 833-370-4220 or fill out the quote form. We'll ask for the property address, what you sold it for, how much the buyer put down, the monthly payment, the interest rate, when the note started, how many payments are left, and whether the buyer has paid on time.
If you don't have every answer in front of you, that's fine. Most people don't. We'll work with what you have.
Time required: about 15 minutes.
- We review and make you an offer
We'll ask for copies of your documents — the note itself, the mortgage or deed of trust, and your payment records. We look at the property, the buyer's payment history, and the terms of the note, then bring you a written offer.
You'll usually see numbers within a few business days. There is no cost for this, and no obligation once you have the offer in hand.
- You choose: all of it, or part of it
Most people assume it's all or nothing. It isn't.
Full purchase. We buy all of your remaining payments. You get a lump sum and you're done.
Partial purchase. We buy a set number of payments — say the next 60 — and when those are collected, the note reverts to you and you start receiving payments again. You get cash now and keep the long-term income.
A partial often puts more money in your pocket over time. We'll show you both numbers so you can compare them side by side.
- Closing and funding
Once you accept, we handle the title search, confirm the lien is properly recorded, check that property insurance and taxes are current, prepare the assignment documents, and close through a licensed closing agent or attorney.
Your original documents go straight to the closing agent or attorney handling the sale — a licensed third party, never a mailbox and never a stranger.
You sign, and your funds are wired or sent by check. Most closings run about 30 days from accepted offer.
Your buyer keeps making the same payment they always have, in the same amount, on the same day. Nothing about their loan changes — they just send it somewhere new.
What it costs you
Nothing out of pocket. No application fee, no appraisal fee, no closing costs charged to you. Our compensation is built into the price we offer, and you'll see that price in writing before you decide anything.
Find out what your note is worth
Fifteen minutes on the phone. No cost, no obligation, and you'll talk to the owner.