Sold a home, land or a business in San Diego with owner financing? Turn the payments you’re owed into one lump sum. Free quote, no obligation.
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If you sold a property in San Diego 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 San Diego note to show how it works: 31 payments made, 269 left. Your specialist prices your note from its payment history, the equity and the payer.
General information, not legal advice. Talk with a California 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. San Diego is in San Diego County.
County Administration Center, 1600 Pacific Highway, Suite 260, San Diego, CA 92101
Records deeds of trust, notices of default and assignments for property in San Diego County. The Chula Vista, San Marcos and Santee branches also record documents.
Since December 2024 the county’s online records search no longer searches by parcel number, so search by the names on your deed of trust instead.
Use the quote form or call 858-223-9229. 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 land sale contract, 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 San Diego area, inside the city and in the surrounding cities and counties.
Real Estate Mortgage Note Buyers San Diego CA
3061 Juniper St # 1/2 – F San Diego, CA 92104 · 858-223-9229
A note is only as strong as the property and the market behind it. These are the numbers a note buyer looks at for San Diego:
Source: U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024 unless noted), via Data USA.
What it means for you: San Diego home values have risen a long way since the 2017–2021 survey, so most notes on San Diego property sit on a large equity cushion. California bars shortfall judgments on seller carry-back notes, which makes that equity the first thing a buyer prices. More households rent than own, so notes on rentals and small multi-unit buildings are common here.
Yes: in San Diego and across the county, including Chula Vista, El Cajon, Escondido and Carlsbad, and anywhere else in California.
Often, yes. Send us the land sale contract and the payment history and we’ll review it. A land sale contract that’s properly recorded, with clean payment records, is worth the most.
California owner-financed sales are almost always secured by a deed of trust. On a default, a notice of default is recorded first; at least three months must pass before the notice of sale, which is posted, published and recorded at least 20 days before the sale (Civ. Code §§ 2924, 2924f).
No. The property has to be in or around San Diego; 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 San Diego 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.
