Frequently Asked Questions

We buy promissory notes secured by real estate—residential homes, commercial property, land, and mobile homes with land. We also buy land contracts and contracts for deed. If you sold property and are collecting payments, there's a good chance we can buy your note.

Yes. While most of our notes are in Texas, we do buy seller-financed mortgage notes and land contracts nationwide.

That depends on several factors: the remaining balance, interest rate, payment history, borrower creditworthiness, and the property's current value. The best way to find out is to click the Get Cash Offer button and we'll give you a real number within 24 hours, no obligation.

We buy those notes, too. We specialize in notes that other buyers turn down, including notes with payment issues, bad credit, title problems, etc. Problem notes often have more solutions than sellers realize, and we’re really good at creative solutions.

No. We offer several options. You can sell all remaining payments for a lump sum, take a cash advance while keeping part of your income stream, or enroll in our No Discount Program and actually increase what you earn. We'll walk you through which option makes the most sense for your situation.

Most transactions close within 5-10 business days once we have the documentation in hand. We’ve closed them in as few as 3 days. It depends on the purchase option you choose and whether or not you already have a Lenders Title Policy.

To get an offer, we just need to review an executed copy of the Promissory Note and the Settlement Statement. We also need the property address. To proceed to closing, we'll need the original note, a payment history, and a copy of the homeowner's insurance. We'll handle everything else—appraisal, title, closing docs.

We do. There's no cost to you to get a quote or to close the transaction.

Yes. We’ll typically call the borrower right before we’re ready to fund to verify the balance and to answer any of their questions. After closing, we'll send your borrower a notice letting them know where to send future payments. Their payment amount and loan terms don't change.

No, this is a purchase. We buy the note outright, and you receive a lump sum. You're not taking on any debt. If the borrower stops paying after you sell us the note, we look to the property to recoup our investment—not you.

That's a fair question, and for some people, holding the note makes sense. But a lot of sellers find they'd rather have a lump sum now than wait years for small monthly payments—especially when circumstances change, the money is needed elsewhere, or they're tired of managing the relationship with the borrower. We'll give you honest numbers so you can decide what's right for you.

We purchase notes directly from sellers and are happy to work with attorneys, realtors, and family members helping a seller through the process. We don't have a broker program, so if you're a note broker looking to place a note, we're probably not the right fit.