What is Your Note Worth Today?
Market conditions change. Find out if holding your note is costing you more than you think.
Let’s be honest. Interest rates fluctuate, buyer demands shift, and your note’s value moves with them. Knowing your note’s Current Cash Value isn’t a commitment to sell—it’s just good financial intelligence. It gives you a baseline to compare against the total future payments you are scheduled to receive. You might be surprised to find that the lump sum available to you today could open doors that 10 years of waiting simply cannot.
Why Do People Sell a Perfectly Good Note?
There is no "right" or "wrong" reason to sell. Whether you've held the note for two months or twenty years, life happens. Here are the most common reasons our clients decide to cash out.
The "Life Change" Sale:
Job loss, medical expenses, or a sudden opportunity. You need cash now, not later.
The "Move On" Sale:
You sold the property years ago and don’t want to be a landlord or banker anymore. You want a clean break from that chapter of your life.
The "Big Picture" Sale:
You want to stop collecting small monthly checks and roll the cash into one big investment—like buying a rental property, funding a 401k, or starting a business.
The "Peace of Mind" Sale:
You are tired of worrying about whether the check will arrive next month. A lump sum in the bank feels safer than a promise from a stranger.
The "Now or Never" Sale:
College tuition is due, a dream vacation is calling, or you want to help your kids with a down payment on their first home. Some things can’t wait 15 years.
The "Simplify My Life" Sale:
Inherited it? Took it back years ago? If managing the payments feels like a hassle you don’t need, selling turns that complexity into cash—clean and simple.
What Determines Your Note’s Value?
Think of your note like a used car—its value depends on condition, history, and the current market. Here are the four main factors we look at to determine your cash offer.
The Payer
(Credit & History):
This is the biggest factor. Is the person sending you checks reliable? A strong payment history and good credit usually mean a higher offer because the income stream is considered “safe.” Late payments or bad credit don’t disqualify you, but they do impact the math.
The Property
(Equity & Condition):
The land or house backing up the note is our collateral. More equity (the property is worth much more than is owed) generally means more cash for you. If the property is in great shape and in a good area, that helps your cause.
The Terms
(Interest Rate & Payments):
We compare your note to today’s market rates. If you are charging a high interest rate, your note is more valuable. If you are charging a below-market rate, the lump sum offered will reflect that difference.
The Position
(First or Second?):
Are you the primary lender (First Trust Deed) or did you take a second mortgage? First position notes are less risky and typically yield a higher payout.
NOTE-SELLING FAQs
Why would I want to sell my mortgage note?
Life is unpredictable. Selling your note allows you to convert that future income into immediate cash. Common reasons include needing funds for a major purchase (like a home or car), paying for education, consolidating debt, diversifying your investments, or simply wanting the security and peace of mind that comes with having a lump sum of cash in hand today rather than waiting 10, 15, or 20 years for monthly payments.
How much will I get for my note? / How is the value calculated?
The amount you receive depends on several factors. We purchase the remaining stream of payments for a discounted lump sum. The specific rate depends on the buyer’s creditworthiness, the equity in the property, the interest rate on the note, and how many payments are left. Typically, we can offer you 80% to 90%+ of your remaining balance. The best way to get an exact figure is to submit your information for a free, no-obligation quote.
Do I have to sell the entire note, or can I sell just a portion of it?
You have options! You don’t always have to sell the whole thing. Many note buyers offer flexible solutions. You can choose to sell:
- All of the note: Get one lump sum for the entire remaining balance.
- Partial payments: Sell a specific number of future payments (e.g., the next 5 years’ worth) and keep the rest.
- Residual payments: Take a lump sum now and keep a small percentage of each payment going forward.
We can structure a deal that fits your specific financial needs.
What does the process of selling a note look like?
The process is simpler than most people think. It generally follows these steps:
- Submit Info: You fill out our quick form with details about the note.
- Free Quote: We review the details and present you with a no-obligation quote.
- Paperwork: If you accept, we handle the majority of the paperwork and coordinate with the title company.
- Funding: You sign the final documents and receive your cash, often in as little as two weeks.
What if the person paying the note (the obligor) has bad credit or has been late on payments?
We can still likely help. While a perfect payment history can sometimes yield a higher price, we specialize in evaluating notes based on their unique circumstances, including the value of the underlying real estate. If the property securing the note has sufficient equity, we are often able to purchase notes even if the payor has had some credit challenges. Tell us your situation, and we’ll give you an honest assessment.
Are there any fees or costs to me for selling my note?
For the vast majority of sellers, no. We cover all the typical closing costs, including title search, policy, and document preparation fees. The offer we present to you is the amount you walk away with. There are no hidden deductions or surprise fees. We recommend you always confirm this with any buyer, but in our process, you pay nothing upfront.
NOTE-SELLING FAQs
Life is unpredictable. Selling your note allows you to convert that future income into immediate cash. Common reasons include needing funds for a major purchase (like a home or car), paying for education, consolidating debt, diversifying your investments, or simply wanting the security and peace of mind that comes with having a lump sum of cash in hand today rather than waiting 10, 15, or 20 years for monthly payments.
The amount you receive depends on several factors. We purchase the remaining stream of payments for a discounted lump sum. The specific rate depends on the buyer’s creditworthiness, the equity in the property, the interest rate on the note, and how many payments are left. Typically, we can offer you 80% to 90%+ of your remaining balance. The best way to get an exact figure is to submit your information for a free, no-obligation quote.
You have options! You don’t always have to sell the whole thing. Many note buyers offer flexible solutions. You can choose to sell:
- All of the note: Get one lump sum for the entire remaining balance.
- Partial payments: Sell a specific number of future payments (e.g., the next 5 years’ worth) and keep the rest.
- Residual payments: Take a lump sum now and keep a small percentage of each payment going forward.
We can structure a deal that fits your specific financial needs.
The process is simpler than most people think. It generally follows these steps:
- Submit Info: You fill out our quick form with details about the note.
- Free Quote: We review the details and present you with a no-obligation quote.
- Paperwork: If you accept, we handle the majority of the paperwork and coordinate with the title company.
- Funding: You sign the final documents and receive your cash, often in as little as two weeks.
We can still likely help. While a perfect payment history can sometimes yield a higher price, we specialize in evaluating notes based on their unique circumstances, including the value of the underlying real estate. If the property securing the note has sufficient equity, we are often able to purchase notes even if the payor has had some credit challenges. Tell us your situation, and we’ll give you an honest assessment.
For the vast majority of sellers, no. We cover all the typical closing costs, including title search, policy, and document preparation fees. The offer we present to you is the amount you walk away with. There are no hidden deductions or surprise fees. We recommend you always confirm this with any buyer, but in our process, you pay nothing upfront.
