Since 1989, American Funding Group has helped note holders across the nation sell mortgage notes, trust deeds, land contracts • BBB A+ • 5.0 ★ Google Reviews.
“The transaction was handled very well. We appreciate the way you overcame problems, particularly lack of cooperation of the payor. We were very satisfied with the outcome.” J & BM. Palm City, FL
American Funding Group – Mortgage Note buyers for 3 decades
Purchasing thousands of mortgage notes, we have been helping note holders across the United States like you sell a mortgage note to convert payments into cash quickly and securely… Veteran-owned and BBB A+ rated; we’ve purchased real estate notes in very state with honesty, speed, and respect.
Veteran-owned and operated for over 3 decades... trusted since 1989
BBB A+ Rated & 5-Star Google reviews.
Experts in seller-financing, mortgages, land contracts, and trust deeds.
Nationwide buyer with primary office in Jensen Beach, FL.
We explain our offer math — no hidden fees.
⭐ The Most Important Thing for Mortgage Note Holders
When you’re considering to sell a mortgage note, the most important thing is getting a fair, honest offer from a buyer you can trust — someone who explains the numbers clearly and can close without delays or surprises.
But there are a few other things note holders tell us they care about just as much:
1. Knowing the true value of your note
Interest rate, payment history, property type, loan balance — all of these affect your offer. A good buyer explains why an offer looks the way it does.
2. Working with a buyer who communicates clearly
No guessing. No chasing people down. You want someone who answers questions, explains next steps, and keeps things simple.
3. Avoiding delays and hidden fees
Many note holders worry they’ll get stuck with unexpected costs or weeks of waiting. With us, you know exactly what your net amount will be — with no fees or commissions ever.
4. Protecting your privacy
Selling a note often involves personal and financial details. You deserve a buyer who handles everything with discretion and respect.
5. Getting the cash you need without the headaches
Most people sell a mortgage note because they want to simplify their life — not manage payments, accounting, tax concerns, or the risk of default.
That’s why we focus on fair pricing, fast communication, and complete transparency — the same way we’ve helped thousands of note holders since 1989.
Why Work With American Funding Group To Sell My Note?
Perhaps you’d like to feel like Peter G of Austin, TX… “I had a complicated set up. Kevin found a way to work with me to accomplish the deal. He also found some mistakes and walked me through to get everything corrected. He’s patient, professional and just an absolute pleasure to work with. This was a huge win-win situation for all involved. It is not often you find this level of service in business where you walk away completely satisfied.”
⭐ Mortgage Note Buyers — How We Help You
At American Funding Group, we buy real estate notes of all kinds — mortgage notes, deeds of trust, land contracts, and agreements for deed. For more than 30 years, we’ve helped thousands of note holders turn long-term payments into cash quickly, safely, and with complete transparency.
Unlike many buyers, we don’t shy away from complex situations.
If your note has:
- a borrower with imperfect payment history
- a small down payment
- unusual loan terms
- a rural or unique property
- a second position
- or a situation other buyers turned down
—we’ll still take the time to understand your goals and find a solution.
We Make the Process Simple and Personal
Every note and every seller is different, so our approach is built around:
1. Listening first
We want to understand what you’re hoping to accomplish — whether that’s paying off debt, handling an estate, simplifying your life, or investing elsewhere.
2. Clear, honest numbers
We explain how your offer is calculated — interest rate, property value, payment history, and risk profile. No pressure, no confusion, no hidden fees.
3. Flexible options
You can sell all of your note or just part of it if you prefer to keep some future payments. Partial purchases often give sellers the best of both worlds: cash now + income later.
4. Experience with complexity
We’ve handled almost every situation imaginable since 1989. If something is unusual, we’ll walk you through it step by step and make sure you’re fully informed.
5. A trusted, veteran-owned company
Our reputation is built on doing what we say, communicating clearly, and closing on time. Thousands of note sellers across the country have trusted us with their transactions — many after other buyers failed to deliver.
Whether your note is backed by a single-family home, a condo, a rental, land, or commercial property, we’re ready to give you a fair, no-obligation cash offer.
⭐ What We Buy — Mortgage Notes, Trust Deeds, Land Contracts & More
As a national mortgage note buyer, we purchase a wide range of real estate–secured notes in all 50 states. Whether your situation is simple or complex, we’ll review your note and present a fair, no-obligation offer.
Here’s what we buy:
📌 Types of Notes We Purchase
Residential Notes
- First-position mortgage notes
- Second-position mortgage notes
- Owner-financed notes (all structures)
- Notes on single-family homes
- Condo and townhome notes
- Manufactured homes with land included
- Multi-family notes: duplex, triplex, quad
Land & Acreage Notes
- Vacant land (improved or raw)
- Agricultural land
- Rural parcels
- Suburban acreage
- Small tracts with utilities
Commercial Notes
- Office buildings
- Retail storefronts
- Light industrial or warehouse properties
- Mixed-use buildings
Other Real Estate–Secured Obligations
- Land Contracts
- Agreements for Deed
- Contracts for Deed
- Deeds of Trust
- Private notes that traditional lenders won’t buy
- Partial notes (sell part of your payment stream and keep the rest)
❌ Notes We Typically Do Not Buy
Just to set expectations clearly, we usually do not buy:
- Manufactured homes without land
- Extremely remote or inaccessible land
- Speculative development tracts with no infrastructure
- Properties with unclear ownership or clouded title
⭐ Why This Matters for You
Selling a note can feel stressful when you’re not sure if your property type is “acceptable.”
Our goal is to make it easy. Chances are, if your note is secured by real estate, we’ve handled it before — thousands of times since 1989.
If your note doesn’t fit neatly into a category, just reach out. We’ll review it and let you know your options quickly and clearly.
About American Funding Group
I’m Kevin Clancy, Company President. I am a graduate of the US Coast Guard Academy. After years of military service and high-level corporate financial experience, I’ve dedicated myself to helping people prosper in real estate as one of America’s most trusted mortgage note buyers.
Our company’s core values are:
1) We do what we say, including overcoming obstacles other note buyers can’t overcome.
2) We communicate with you every step of the way so that we can close your sale ASAP.
3) And most importantly… “We treat You with respect because that’s the way we want to be treated.” That attitude has helped us become one of the most trusted note buying companies.
📞 Call (772) 232-2383 or Get My Note Quote Now
📌 We’ve bought notes backed by properties from coast to coast — from modern condos in San Diego, to farmland in Iowa, to duplexes in Atlanta. If it’s real estate, we’ve probably worked with it.
What is a Mortgage Note?
A mortgage note is a contract you sign when you borrow money to buy a house or a building. This contract is an agreement between the person lending the money and the person borrowing it. It explains how and when the borrowed money will be paid back. Think of it as the rule book for paying back the loan for your new property.
⭐ How Our Mortgage Note Buying Process Works
Selling your mortgage note shouldn’t feel complicated. We’ve refined our process over three decades to make it simple, fast, and transparent from start to finish. Most note sellers appreciate that we explain everything as we go — no surprises and no pressure.
Here’s exactly what happens when you request an offer:
Step 1 — Tell Us About Your Note
We start with a quick review of the basics:
- Property type
- Loan balance
- Payment amount
- Interest rate
- Borrower payment history
This helps us understand your goals and determine which purchase options (full or partial) make the most sense.
Step 2 — We Review the Borrower’s Performance
A strong, reliable borrower increases the value of your note.
We’ll pull a soft credit check (does not affect credit score) to confirm:
- Payment patterns
- Overall credit health
- Any red flags that might affect risk
The better the performance, the stronger your offer.
Step 3 — We Evaluate the Property
The real estate itself matters, too.
We look at:
- Property type (owner-occupied homes carry the least risk)
- Market value
- Location
- Condition and desirability
We’ve purchased notes on homes, rentals, land, and commercial properties nationwide — so unusual properties don’t scare us.
Step 4 — We Review the Terms of the Note
To finalize your offer, we confirm:
- When the note was created
- Original sale price and any down payment
- Interest rate and amortization
- Payment history
- Balloon dates (if any)
Every detail helps us give you the highest possible fair offer.
Step 5 — You Receive Your Clear, No-Fee Offer
Once we complete our review, we’ll:
- Give you a straightforward cash offer
- Explain exactly how we arrived at the number
- Cover all costs (due diligence, document prep, recording fees)
What we offer is what you get — net to you.
Step 6 — Close and Get Paid
Most closings take about 4 weeks after receiving required documents.
During the entire process, we:
- Keep you updated
- Answer questions
- Handle the paperwork
- Work through any challenges
Our goal is simple:
Make selling your note easy, fast, and stress-free.
What Are Private Mortgage Note Buyers?
Private mortgage note buyers are individuals and businesses that purchase promissory notes secured by real estate. Most lenders have a need to sell the loans that they create to private mortgage note buyers as a way to liquidate capital and continue lending to the public. For more information on what is a note buyer, click here.
⭐ What Other Note Sellers Say About Working With Us
For more than 30 years, note sellers across the country have trusted American Funding Group to help them turn their payments into cash. Here are a few recent experiences from people just like you:
⭐ “Professional, Patient, and a Pleasure to Work With”
From Peter G, Austin, TX…I had a complicated setup. Kevin found a way to work with me and get everything corrected. He’s patient, professional, and an absolute pleasure to work with. This was a huge win-win. It’s rare to find this level of service where you walk away completely satisfied.”
⭐ “Smooth, Timely, and Courteous”
From noteholder in FL.. Thank you, American Funding Group, for all your help on our mortgage sale. Everyone on your team was courteous and on top of everything. The transaction was smooth and timely.”
⭐ “Handled Challenges with Professionalism”
From J & B.M. — Palm City, FL.. The transaction was handled very well. We appreciate the way you overcame problems, particularly the lack of cooperation from the payor. We were very satisfied with the outcome
⭐ “One of the Most Trusted Mortgage Note Buyers”
Since 1989, thousands of note holders have chosen us because we:
- Communicate clearly
- Explain our offer math
- Treat people with respect
- Handle complex notes
- Close on time
- Never charge fees or commissions
If you’d like to see more stories from note sellers across the country, visit our full testimonials page or call us directly with any questions.
Why Sell a Mortgage Note?
Creating a private mortgage note is often a short-term solution. Sellers either hope to sell an unmarketable property, help a family or friends get into homeownership, or allow a non-traditional buyer to purchase a home. Whatever the reason, seller financing gives them a quick and easy way to accomplish their goals.
Unfortunately, most sellers quickly realize they do not want to manage payments or wait years (or even decades) to cash in on the home’s value, as seller financing requires. So they seek out note buyers who can take the note — and its tedious management — off their hands for a cash offer.
Generally, mortgage note holders tend to sell their notes for one or more of these reasons:
- They may have received it from an estate or inheritance and want to liquidate it
- They are tired of managing the note & IRS tax compliance
- They are worried about payor default
- They want to pay debts, pay college tuition, make a large purchase or another investment
- Simplify their life
Want the Most Trusted Mortgage Note Buyers?
Looking for the Best Mortgage Note Buyers to sell your mortgage note? We are one of the premier mortgage note buying companies… buying real estate notes for 30+ years with a unique note buyers process, overcoming problems in selling a mortgage note. Sell all or part of your note payments NOW and unload the burden of managing the note.
Check out how you can sell all or part of your note fast and not have to worry about the headaches that go along with collecting payments or handling the accounting. We take care of it all. It’s a simple process (Go Here To Learn About How To Sell Your Mortgage Note ››). Feel free to call us anytime at (772) 232-2383 or simply fill out the form on the top of this page to get the process started!
Check Out Our Google Reviews Here
To get started, fill out the below form. If you have questions, talk to our Mortgage Note Buyers at (772) 232-2383.
📞 Call (772) 232-2383 or Get My Note Quote Now
⭐Nationwide Coverage – We Buy Notes in All 50 States
Not sure if your state qualifies? Check our state-specific pages or contact us directly.
⭐ Featured Markets
These states have especially active note-selling activity based on property trends, owner financing frequency, and note-holder demand:
We consistently buy notes in these regions due to strong, steady real estate activity and high demand from note holders.
⭐Featured Texas Markets
⭐Featured Florida Markets
Frequently asked questions:
Q1: Can I sell my mortgage note anywhere in the U.S.?
Yes — American Funding Group buys notes nationwide, with top markets in TX, FL, MI, NC, CA, AZ & NY.
Q2: How long does it take to get paid?
Most closings take approximately 4 weeks after we review your note and title details.
Q3: Do you buy partial notes or only full ones?
We buy both full and partial notes to fit your cash needs.
Q4: Are there any fees or commissions?
No — we cover all closing costs, and you get a straightforward cash offer.
Q5: Do you buy land contracts and agreements for deed?
Yes —We like to buy those as well as traditional owner financed mortgages and trust deeds.
Q6: Why choose American Funding Group?
Because we’re experienced, transparent, and have helped thousands of note sellers since 1989. To get a better fell for who we are, please check out our About US page and our testimonial page.