How Can I Sell A Mortgage Note With Problems?

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How to Sell a Mortgage Note with Problems — Even the Tough Ones

Are you holding onto a mortgage note that’s giving you headaches instead of income? Maybe the payments are always late… or the borrower isn’t as solid as you hoped. Perhaps there’s missing paperwork, or the property’s value has taken a dive.

If you’re wondering how to sell a mortgage note with problems, you’re in the right place. At American Funding Group, we’ve spent more than 30 years helping people just like you turn problem notes into real cash—fast, confidentially, and with no judgment.

Can You Sell a Problem Mortgage Note?

Absolutely.
Even if your note has issues, that doesn’t mean it’s worthless. While many note buyers only want “perfect” paper—clean credit, flawless documentation, and a white-picket-fence property—we specialize in the messy, the complex, and the challenging.

We buy problem mortgage notes other buyers won’t touch.

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What Makes a Mortgage Note “Problematic”?

What’s a problem for you might look different than what’s a problem for someone else—but here are the red flags we see most often:

  • 🕒 Late or inconsistent payments from the borrower
  • ❌ Little or no down payment made when the property sold
  • 🔍 Incomplete or missing documents, like the original note or title issues
  • 📉 Falling property values or underwater real estate
  • 👤 Borrowers with poor credit or unstable income
  • 🛠️ Damaged, distressed, or neglected properties
  • 🏚️ Vacant, abandoned, or inherited homes with little oversight

Do any of these sound familiar? If so, you’re not alone—and you’re not stuck. These issues are common, and we work with them every day.

Why Should You Sell a Problem Mortgage Note?

Let’s be honest—owning a problematic note isn’t passive income… it’s a second job.

buying-mortgage-notes
  • You’re chasing payments.
  • You’re reviewing paperwork.
  • You’re worrying about foreclosures, lawsuits, or repairs.
  • You’re hoping the borrower won’t default next month.

And it never ends.

Here’s what selling your problem note can do for you:

  • 💵 Put cash in your pocket—quickly—for reinvestment, retirement, or emergencies
  • 🧘 Give you freedom from the stress of collections and legal tangles
  • 📄 Reduce your financial risk and liability
  • 🔄 Offer flexibility—we can buy all or just a portion of the note if that’s better for your goals

Sometimes, peace of mind is more valuable than squeezing every last penny out of a difficult note..

Who Will Buy My Problem Mortgage Note?

That’s where American Funding Group comes in.

Most note buyers say “no” the minute they see a late payment or an issue with paperwork. We say, let’s talk. We’ve built our business around solving problems others avoid. We go beyond surface-level issues to understand the full story of your note—and we use that to make a fair, creative offer that works for both sides.

If your note is “complicated,” we’re the team to call. If you want to sell a problem mortgage note, give us a call at (772) 232-2383 and heck out what other note sellers have said about dealing with us.

How to Sell a Mortgage Note with Problems — Our Simple Process

Selling doesn’t have to be complicated, even if your note is. Here’s how it works:

  1. Tell Us About the Note
    Fill out the short form below or call us directly at (772) 232-2383. We’ll ask about the property, the borrower, payment history, and any documents you have.
  2. We Review & Evaluate
    We’ll assess the value of your note—even if it’s partial or has issues—and structure a win-win offer. Yes, we do partials, too!
  3. Get a No-Pressure Offer
    We’ll give you a fair cash offer—no games, no obligation, and no hidden fees.
  4. Close & Get Paid
    Once you accept, we take care of the paperwork and get you paid—often within 2 to 3 weeks.
] mortgage note buyers

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.

I’d like BEST PRICE for ALL or PART of My Note

  • This field is for validation purposes and should be left unchanged.

Will I Get Full Value?

Here’s the truth:
A note with problems typically won’t sell for the same price as one that’s pristine. But the discount reflects the risk we take on—not a reflection of your worth or your decisions.

We’re not here to lowball you—we’re here to be fair. We aim to offer maximum value based on your specific note, not a cookie-cutter formula.

And if we think it’s better for you to keep your note, we’ll tell you that, too.

Bottom Line: You’re Not Trapped by a Problem Note

Just because your mortgage note has issues doesn’t mean it can’t be sold. Whether you’re facing late payments, legal headaches, unreliable borrowers, or just plain burnout, there is a way out—and American Funding Group is here to help.

Let’s explore your options. You might be just one conversation away from leaving that problem behind for good.

Ready to Sell a Problem Mortgage Note?

📞 Call American Funding Group today at (772) 232-2383
📧 Or fill out the short form above for a free, no-obligation quote.

At American Funding Group, we don’t just buy notes—we solve problems.
Let us help you turn a problem into possibility.