Sold a home, land or a business in St. Charles with owner financing? Turn the payments you’re owed into one lump sum. Free quote, no obligation.
What are you selling?
Get my cash offer → Call 636-277-9239Free and private. No obligation to sell.
If you sold a property in St. Charles and let the buyer pay you over time, you hold a note. We buy the payments still owed to you, all of them or only some, and pay you one lump sum at closing. Your buyer keeps the same terms and simply pays the new holder.
The example on the right is a made-up St. Charles note to show how it works: 37 payments made, 263 left. Your specialist prices your note from its payment history, the equity and the payer.
General information, not legal advice. Talk with a Missouri real estate attorney about your own situation.
When you sell a note, the mortgage, deed of trust or contract is assigned to the buyer, and the assignment is recorded with the same county office that recorded the original. St. Charles is the county seat of St. Charles County.
201 N. Second St., Suite 338, St. Charles, MO 63301
Records deeds, deeds of trust, assignments and releases for property in St. Charles County.
The Recorder offers electronic recording and a free Property Fraud Alert, which tells you when a document is recorded against the property.
Use the quote form or call 636-277-9239. The basics are enough: the balance, the payment, how many payments are left and the property address.
The promissory note, the recorded mortgage, deed of trust or deed of trust, the closing statement and the payment history.
A note specialist reviews the payment history, the property and the payer, then sends you a written offer for all or part of the note.
Closing runs through a title company or attorney. You receive one lump sum, and your borrower is told where to send future payments.
Free, no-obligation quote. Most people only need the basic terms to start.
Owner-financed homes, land and small rentals.
Seller financing from the sale of a business or equipment.
Notes secured by retail, office, industrial and multifamily property.
Private notes secured by real estate or other collateral.
Contracts for deed and installment land contracts.
We buy notes on homes, land, rentals and commercial property across the St. Charles area, inside the city and in the surrounding cities and counties.
Mortgage Note Buyers St Charles MO
1011 King Dr. # F St Charles, MO 63303 · 636-277-9239
A note is only as strong as the property and the market behind it. These are the numbers a note buyer looks at for St. Charles:
Source: U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024 unless noted), via Data USA.
What it means for you: St. Charles home values have climbed since the 2017–2021 survey, so notes written on homes here a few years ago usually have more equity now. Missouri’s trustee’s sale gives a short, defined path if a payer stops paying, and a buyer will check that the deed of trust was recorded with the county.
Yes: in St. Charles, St. Peters, O’Fallon and Wentzville, across St. Charles and St. Louis counties, and anywhere else in Missouri.
Often, yes. Send us the deed of trust and the payment history and we’ll review it. A deed of trust that’s properly recorded, with clean payment records, is worth the most.
Most Missouri owner-financed sales are secured by a deed of trust, which the holder can enforce by a trustee’s sale instead of a lawsuit (RSMo 443.410). The sale is held in the county where the land is, after at least 20 days’ notice (RSMo 443.310) published in a newspaper (RSMo 443.320).
No. The property has to be in or around St. Charles; you can live anywhere. Closings run through a title company or attorney, and documents can be signed with a mobile notary.
It depends on the balance, the interest rate, the payment history, the equity in the property and the payer’s credit. A note specialist reviews those and sends you a written offer. The quote is free and there’s no obligation.
This is the form the “Get my cash offer” buttons lead to. Fill in what you know about your St. Charles note; you don’t need every detail to start. A note specialist reviews it and calls you with a written offer. No cost, no obligation.
