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How Do I Sell My Note ?

TXNB: Texas Note Buyer specializes in purchasing owner-financed real estate notes, trust deeds, mortgages, contracts for deeds, and land contracts for our own portfolio, as well as private investors, hedge funds, and institutional investors.

TXNB offers a variety of purchase options for those selling notes:

  • Full Purchase.  We buy all remaining payments on the note for a lump sum of cash, today.  This option gets you the most cash up front for your note, and we always buy "without recourse," which means if the note payors stop paying, we look to the real estate to recover our investment (and not our note seller!).
  • Partial Purchase.  We buy a specific number of payments and you retain rights to the remaining payments after our interest is satisfied.  For example, we may offer to buy the next 60 payments out of a 180 month note.  We would receive the next 60 payments and then the note would be reassigned to you with 120 payments left to collect.  While a partial purchase pays you a smaller amount of cash right now, the longer term payout can be significantly higher than selling the whole note.
  • Custom Purchase.  There are many variations on full and partial purchases, but it all comes down to how we can best meet your immediate cash needs.  Buying a new car?  Need a down payment on a new house?  Investing in a business?  Let us know what you are trying to accomplish and we will customize a solution to get the cash you need now while preserving equity in your note for the future.

Whether we are looking at a single note purchase or considering a portfolio of loans, we evaluate each note individually to maximize pricing for our customers.  The amount we pay for a note is based on several factors, including:

  • note interest rate
  • payor's equity and down payment
  • amortization term and if there is a balloon
  • property type (single family residence, commercial, mobile home on land, land only, etc.)
  • note seasoning, or how many payments have been made
  • payor's credit

We welcome the opportunity to price your note after an initial review of the documentation and payor's credit.  You will receive an offer from us within 24 to 48 hours of our receipt of your paperwork.  When we make you an offer, we are ready to put it in writing and proceed at that time.  We will need to review a copy of the following documents in order to make you an offer:

  • Closing Statement or HUD-1 Settlement Statement
  • Promissory Note or Contract for Deed (Land Contract)

After performing our due diligence, TXNB will arrange for funds to be wired directly to the title company, allowing you to pick up your check immediately after closing and recording.

Why wait years to collect payments?  Let TXNB assist you in obtaining cash for your note today so you can use the money to pay off debts, invest in another house, buy a business, or just have the cash on hand for emergencies and peace of mind.

What is the quickest way to find out what we'll pay for your note?  Simply complete a Quote Request form online to get the process started.  Someone from our office will call you to confirm receipt and answer any questions.

What We Do

Are you collecting payments?  Why wait years to collect small monthly payments when you can sell mortgage notes you currently hold for the cash you need today?

We are note buyers in Texas, seeking Owner Financed Real Estate Notes, Promissory Notes, Deeds of Trusts, Mortgages, Contracts for Deeds, and Land Contracts for our own portfolio, as well as for other private investors, hedge funds, pension plans, and institutional investors.

We pay cash for notes secured by both residential and commercial real estate, notes created from the sale of a business, and most any other type of payment stream.

Contact Us


We Buy Notes Secured by:

  • Single Family Homes
  • Multi Family Housing
  • Condos
  • Mobile Homes with Land
  • Raw and Improved Land
  • Retail Commercial
  • Light Industrial Commercial
  • Commercial with Corporate Payor
  • Churches
  • Service Stations
  • Non-Performing, Distressed Paper
  • Hard Money Loans
  • Structured Settlements
  • Annuities
  • Lottery Winnings
  • Business Notes (no real estate)
  • Most any type of contractual cash flow..
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