From your first question to funds at closing: a clear path, with a title company or attorney protecting both sides. Free quote, no obligation.
What are you selling?
Get my cash offer → Call 888-297-4099Free and private. No obligation to sell.
Selling a note follows the same steps every time: you tell us about it, we send an offer, we check the documents, and a title company or attorney handles the closing. Your borrower keeps the same terms and simply pays the new holder.
The example on the right shows how it works: the payments still owed to you become one lump sum at closing. Your borrower keeps the same terms and simply pays the new holder.
Use the quote form, the Note Assistant or call us. The basic terms are enough to start.
We send a no-obligation quote for the whole note and, if you like, for part of the payments.
If the offer works for you, upload the note, the recorded lien and the payment records.
We verify the payment history, the title, the property or collateral and, with permission, the payer’s credit.
Free, no-obligation quote. Most people only need the basic terms to start.
Missing something? That’s common with private notes. Start the quote anyway; we’ll tell you what’s needed. You can also upload your documents securely.
The title company or attorney prepares the assignment of the note and of the mortgage, deed of trust or contract.
You sign the assignment and endorse the note to the buyer; a notary is usually needed.
The funds are released to you through the title company or attorney.
The borrower gets a letter with the new payment address. Their rate, payment and terms don’t change.
| Sell the whole note | Sell part of the payments | Keep collecting | |
|---|---|---|---|
| Cash now | One lump sum for all remaining payments | A lump sum for a set number of payments | None; you receive payments over time |
| After that | You’re done collecting | Payments come back to you once the sold ones are paid | You keep collecting until payoff |
| Risk of non-payment | Moves to the note buyer | Shared: the buyer carries the sold payments | Stays with you |
| Fits you if | You want out completely or have a better use for all the money | You need a set amount now and want long-term income | The payer is reliable and you don’t need cash |
Not sure? Ask for a full and a partial quote at the same time and compare them side by side.
Enter your note’s terms to see the balance still owed, the payments left and what a partial sale would look like. It only does the math; your real quote comes from the review.
This calculator only does the math on your note’s terms. It is not an offer or a price; what a note sells for depends on the review described on this page.
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.
For investors who want to buy performing notes.
No. The quote and the review are free and there’s no obligation to sell.
A title company or attorney handles the documents and the funds, so both sides are protected.
Only with your permission, and usually only to confirm the payment history near the end of the review.
That’s common with private notes. Copies often come from the closing attorney, the escrow company or the county records; we’ll tell you what’s needed.
It depends mostly on how quickly the documents and title work come together. Having the documents ready when you ask for a quote helps the most.
This is the form the “Get my cash offer” buttons lead to. Fill in what you know about your 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.
Want to read more first? See how the note selling process works or our FAQ.
