Florida Note Buyers — Sell Your Florida Mortgage Note for Cash

Sell Your Florida Mortgage Note — The Smart, Stress-Free Way

If you hold a private mortgage note on a Florida property, our Florida Note Buyers can help you convert future payments into a lump sum of cash. With more than three decades of experience buying mortgage notes throughout Florida, our team understands property values, borrower risk, and how to structure fair offers. We provide clear explanations of how note pricing works so you can make an informed decision with confidence. when you are looking to sell your Florida Mortgage Note.

We work with note holders across the entire state, including Miami, Tampa, Orlando, Jacksonville, Fort Lauderdale, West Palm Beach, and smaller Florida communities. Whether your note is performing or non-performing, we evaluate each opportunity carefully and provide a straightforward quote. As you are considering selling your Florida Mortgage note you might be interested in Florida Housing Market Data.

Why Florida Note Holders Trust Us

• Veteran-owned and operated since 1989
• 30+ years buying mortgage notes nationwide — no brokers, no fees
• A+ Rating with the Better Business Brteau 
• 5.0★ Google Reviews from Note sellers
• No brokers, no commissions
• Personalized solutions for complex notes

Here is JM’s reaction to his note sale with a difficult borrower

“We had a difficult non-cooperating buyer in Palm City, FL. 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.”

Why Sell a Mortgage Note in Florida?

Florida’s real estate market has been booming—but that boom brings both opportunity and uncertainty. With rising property values in places like Tampa, Naples, and St. Augustine, many note holders are wondering if now is the time to sell.

Florida’s market shifts quickly — especially in counties like Miami-Dade, Broward, Hillsborough, Lee, and Orange

Here’s why some noteholders across Florida are choosing to sell their mortgage notes:

Reinvest with Freedom

Use your cash to fund your next real estate deal, invest elsewhere, or simply take a breather.

Lock in Today’s Value

Don’t leave your money tied up in a note while interest rates and property values shift. When interest rates rise, your note value declines.

Get Paid in Full—Now

No more waiting month-to-month for payments. Get a lump sum when you need it most.

Skip the Tax Headaches

Avoid dealing with 1098s, amortization schedules, and bookkeeping every year

Our Florida Note Buyers Can help you with:

• Retirement & Downsizing. Retirement is a great time to downsize and enjoy the fruits of our labor… a time to unleash the cash buried in your mortgage note
• Estate & Inheritance. Ease the burden of note management for your heirs. In our experience most heirs would rather deal with funds than the complexities of a note.
• Divorce Settlements. Most divorcees would rather avoid the complexities of dealing with their ex on a personal mortgage.
• Problem Borrowers. It can be a nightmare when dealing with late payments, lapses in hazard insurance and non-payments of real estate taxes.
• Investment Flexibility. Freeing up cash from your real estate note provides numerous opportunities to improve your life… paying for travel, new investment, reducing debt, etc.

💡 Selling turns paper into liquidity, giving you freedom to use

Types of Florida Mortgage Notes We Buy

American Funding Group purchases many types of private mortgage notes secured by Florida real estate. With over 30 years of experience in the note buying industry, we understand how to evaluate risk, property value, borrower payment history, and market conditions across Florida.

We work with note holders who created owner financing when selling a property and now prefer a lump sum of cash instead of waiting years for payments.

We commonly purchase:

• Residential mortgages whether the property is owner occupied or is a rental
• Performing mortgage notes with consistent payment history
• Non-performing notes with missed payments
• Owner financed home notes
• Land contracts and contract-for-deed agreements
• Commercial mortgage notes
• Notes with balloon payments
• Seller carryback financing
• Partial note purchases (sell part of the payment stream)
• Mortgage Loan Portfolios
• Business Notes

How We Evaluate a Florida Mortgage Note

Every note is unique. We review several factors when determining pricing:

• Remaining balance on the note
• Interest rate and payment amount
• Borrower payment history
• Property type and condition
• Equity position
• Location of the property within Florida
• Time remaining on the loan
• Documentation quality

See what your note is worth… Get a free, no-obligation quote today

We explain the evaluation process clearly so you understand how we arrive at an offer amount.

The Process: Simple and Stress-Free

We’ve refined Our Florida Note Buying Process to be Fast & Easy over 30+ years to make it as smooth as possible:

Step 1 – Initial Consultation

Tell is about your note. No pressure. No obligation.

Step 2 – Evaluation

We assess your note’s value based of Florida’s & local market housing trends, interest rates & borr0wer strength

Step 3 – Receive Your Offer

You’ll receive a competitive s competitive, no hassle offer -typically within 24 hours.

Step 4 – Close and Cash Out

We handle all the paperwork and pay you promptly.

Whether you’re in the Panhandle or the Keys, we’re ready to help. Want more information? Call us at (772) 232-2383.

Real-Life Florida Note Seller Stories

• Maria in Miami (Miami-Dade County) – Inheritance
  Maria inherited her father’s Miami home and mortgage note. Probate was overwhelming, and she didn’t want to track payments. By selling the note, she covered estate expenses and simplified her finances.
• James in Tampa (Hillsborough County) – Divorce
  James and his ex-wife co-owned a note from their former property. Selling the note let them split proceeds fairly and move forward cleanly.
• Orlando Retirees (Orange County)– Partial Sale
  A retired couple in Orlando needed cash for their grandchild’s tuition but still valued monthly income. A partial sale gave them the best of both worlds

What Determines the Value of Your Florida Mortgage Note?

Key factors:

• Borrower credit & payment history
• Property type (single-family, commercial, vacant land)
• Location (Miami, Tampa, Orlando generally fetch higher offers)
• Value of property, equity position, Loan-to-Value ratio
• Interest rate & term
• Number of payments left & Current Note Balance

Example: A $200,000 note secured by a Miami home with 7% interest and 5 years of on-time payments could sell for 90–95¢ on the dollar. The same note on vacant Panhandle land may fetch only 70–75¢.

📚 Related Florida Resources:

Why Choose American Funding Group?

We’re more than just experienced—we’re invested in Florida.

• Florida Headquarters in Jensen Beach. We’ve closed deals statewide from Monroe and Escambia Counties to Duval County. We understand local regulations and what matters to Florida note sellers.
• 30+ Years of Problem-Solving. We’ve helped thousands of private note holders—including many with “imperfect” notes that other buyers passed on.
• No Commissions, No Middlemen. We’re direct buyers—not brokers—so you get more money in your pocket.
• Personalized, not a call center. You won’t get passed around a call center. You’ll work with a small, dedicated team who knows your name—and your note.

We’ve purchased thousands of notes across Florida’s coastal, urban, and rural markets. To learn more about us check out our About Us page.

Let’s Talk About Your Florida Note

Whether you’re ready to sell now or just gathering information, we’re happy to talk. We’ll give you straight answers and a real offer—no games, no pressure.

📞 Call us now at (772) 232-2383 or
📝 Fill out the short form above to get started.

From the Emerald Coast to Palm Beach, American Funding Group is here to help you sell your Florida mortgage note quickly, safely, and confidently.

Check out what previous noteholders have said about dealing with us.

Our team of Florida note buyers offers professional service, allowing you to sell all or part of your note quickly and easily.

Say goodbye to the headaches of collecting payments and managing the accounting for your note. We handle it all, streamlining the process for you.

Don’t hesitate to reach out to us at (772) 232-2383 for any inquiries or simply fill out the short form on this page to get the process started! Keep in mind that we buy mortgage notes in other states as well.

Popular Florida Areas We Serve

We actively buy notes in:

• South Florida: Miami, Fort Lauderdale, West Palm Beach
• Central Florida: Orlando, Kissimmee, The Villages
• Treasure Coast: Jensen Beach, Stuart, Port St. Lucie
• Tampa Bay Area: Tampa, St. Petersburg, Clearwater
• Panhandle: Pensacola, Panama City
• Southwest Florida: Fort Myers, Naples, Cape Coral

Even if your property is in a small town or rural area—we want to hear from you!

Unlock the Value of Your Mortgage Note

Allow our Florida Note buyers to be your trusted partner in selling your Florida mortgage note. Our team is here to offer you a straightforward, transparent, and process.

If you’re ready to turn your Florida mortgage note into cash, we’re ready to make it happen.

📞 Call (772) 232-2383 today to speak with a local expert
📩 Or just fill out the short form below and we’ll get back to you fast

We’ve been helping Florida note holders for over three decades—and we’d love to help you, too.

Curious what your note is worth? Request your no-obligation Florida quote today.

👉 Let’s chat today at (772) 232-2383! Or Get Started Below:

See how we can help you!

American Funding Group, is a premier note investor, buying notes in all states. We specialize in residential and commercial performing real estate notes in the US. We love helping note holders who are in tough situations. We will work with you to find a win-win solution so you get the most from selling your real estate note.

📞 Call (772) 232-2383 or Get My Note Quote Now

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Or Give Us A Call Now At: (772) 232-2383

Popular Florida Areas We Serve

Frequently Asked Questions

How much is my Florida mortgage note worth?

The value depends on the unpaid balance, interest rate, payment history, property value, and borrower credit profile. We review each factor and provide a clear explanation of how pricing is calculated.

Do you buy notes anywhere in Florida?

Yes. We purchase mortgage notes secured by residential and commercial properties throughout Florida, including major cities and smaller communities.

How long does it take to sell a mortgage note?

Many note purchases close within 2–4 weeks after due diligence and document review.

Do you buy partial mortgage notes?

Yes. Many sellers choose a partial sale to receive cash now while keeping some future payments.

Do you buy non-performing notes?

Yes. We evaluate both performing and non-performing mortgage notes.

Is there any obligation to accept an offer?

No. Our quotes are provided with no obligation so you can evaluate your options.

Can I sell an inherited mortgage note without probate in Florida?

If it’s in a trust or joint name, you may not need probate. If it went through probate, you’ll need the court’s transfer paperwork.

We buy mortgage notes nationwide, not just in Florida. See our full coverage here: We Buy Notes in All 50 States. Or compare your options on our Nationwide Note Buyer page