“Courteous & Helpful”
“Thank you, American Funding Group, for all your help on our mortgage sale. Everyone on your team was courteous and you were on top of everything. The transaction was smooth and timely.”
The Most Important Thing for Mortgage Note Holders
when they are looking to sell their mortgage note is getting a fair and competitive offer from a trustworthy, experienced buyer who can close quickly and handle any complexities with professionalism and discretion.
Other key factors that often matter include:
- Understanding the true value of their note (based on interest rate, payment history, property type, etc.)
- Working with a buyer who communicates clearly and transparently
- Avoiding delays and hidden fees
- Preserving their privacy and financial goals
Mortgage Note Buyers
At American Funding Group, we specialize in buying private mortgage notes, deeds of trust, and real estate-secured contracts across the United States. With over 30 years of experience, we’ve helped thousands of note holders turn their long-term payments into immediate cash—often when other buyers couldn’t or wouldn’t step in.
What makes us unique? We don’t shy away from complexity. Whether you’re holding a first or second lien, a note with spotty payment history, or a property in a less conventional location, we have the expertise to find a solution. Our personalized approach means you won’t be treated like just another file—we listen, understand your goals, and tailor a purchase plan that works for your timeline and financial needs.
We’ve built our reputation on trust, speed, and flexibility—backed by a deep understanding of local real estate trends from coast to coast. Whether your note is in the heart of a major metro or tucked away in a small town, we’re ready to make a fair, no-obligation offer.. 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 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!
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.
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We Are Buying Mortgage Notes
We purchase all Promissory notes secured by real estate such as:
- Mortgage Notes (1sts and 2nds)
- Mortgage Loan Portfolios
- Non-Performing Mortgage Notes
- Trust Deeds
- Agreements For Deed
- Land Contracts
- Contract for Deeds
- Business Notes
- Chattel Mortgages
- Commercial and Residential Notes
Just submit your info online to our Mortgage Note Buyers through the form on this page. We’ll evaluate it and get you a guaranteed offer within 24 hours. If you still have questions about our mortgage note buying service, call us at (772) 232-2383. And/or check out our Frequently Asked Questions Page →
📌 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.
✅ Acceptable Property Types:
Residential:
- Single-family homes (even in HOA communities like those in Phoenix or Tampa)
- Condos & Townhomes
- Manufactured Homes — if the land is included
- Multi-family units — duplexes, triplexes, quads
Land:
- Vacant lots (improved or raw)
- Agricultural land – think ranches in Texas or orchards in California
- Rural or suburban acreage
Commercial:
- Retail storefronts
- Office buildings
- Warehouses and light industrial buildings
❌ Unacceptable Property Types:
- Manufactured homes without land
- Speculative development tracts or remote desert land
- Highly volatile, undeveloped property with no infrastructure
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.
To Sell Your Mortgage Note We Follow These Steps
1. We try to evaluate the risk in this note purchase… the less perceived risk, the more we will pay… the more perceived risk, the less we will pay. To buy your mortgage note, we assess a number of factors
2. Evaluate the borrower. The stronger the financial performance of the borrower, the stronger our offer will be. How is your borrower handling his loan with you and how is he performing with his other creditors? To determine this, we will pull a “soft credit” report which won’t affect his credit score.
3. Evaluate the property securing the note. What type of property secures the note? The most desirable mortgages in order of investor preference are residential properties occupied by the borrower, then investor residential properties, land, then business notes (no real estate collateral). What is the value of the collateral?
4. The terms of the note: When was the property sold? What was the price? Was there a down payment? What are the terms (interest rate, payment amount, date of first payment)? Is there a balloon payment? If so, what is the date of balloon payment?
5. After gathering this information, we’ll make an offer. The offer will be net of expense to you because we pay the due diligence cost, document preparation cost, and recording costs.
6. The entire process generally takes about 4 weeks from the time you submit all requested documents to us. During the process, we will keep you informed of progress. If you have any questions, you can call us at any time!
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.
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.
If you want to see what other note sellers have had to say about us, click here. Our mortgage note buying process will allow you to sell all or part of your note payments … and you may want sell a mortgage note fast.
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.”
Check out what other noteholders have said about dealing with us here. We are professional mortgage note buyers (not note brokers). There are no commissions or fees ever. We offer a unique personal note buying service to develop a customized solution to resolve your situation.
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!
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To get started, fill out the below form. If you have questions, talk to our Mortgage Note Buyers at (772) 232-2383.