Sell a Florida mortgage note to Florida Note Buyers

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

Ready to turn your Florida mortgage note into fast cash?

Maybe you’re holding a private mortgage on a vacation rental in Clearwater, a home in Fort Lauderdale, or an investment property in Gainesville—and now it’s time to cash in. Whether you’re tired of managing the paperwork, chasing payments, or just want to simplify your finances, American Funding Group is here to help you move forward with confidence.

We’re not just another national note buyer—we’re Florida-based, with over 30 years of experience helping people just like you sell private mortgage notes throughout the Sunshine State.

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.

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.

💰 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

Common reasons Floridians sell:

• Retirement & Downsizing – Retirees cashing out notes for simplicity.
• Estate & Inheritance – Heirs prefer cash instead of managing monthly payments.
• Divorce Settlements – Selling avoids financial entanglement.
• Problem Borrowers – Eliminate the stress of late payments.
• Investment Flexibility – Reinvest in new opportunities in Florida’s hot markets.

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

What Kind of Florida Notes Do We Buy?

We purchase almost any real estate-backed promissory note throughout Florida, including:

• Residential and Commercial Mortgage Notes
• Deeds of Trust and Agreements for Deed
• Land Contracts / Contracts for Deed
• Business Notes and Chattel Mortgages
• Mortgage Loan Portfolios

From a single-family home in Naples to a mixed-use property in Orlando, we’re interested.

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

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:

1. Initial Consultation: Tell us about your note. No pressure. No obligation.
2. Evaluation: We assess your note’s value based on Florida’s current housing trends and local market data.
3. Fast Offer: You’ll receive a competitive, no-hassle offer—typically within 24 hours.
4. Close and Cash Out: We handle 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 (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 (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 (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-Based & Florida-Smart
Our headquarters is in Jensen Beach, and we’ve closed deals from Jacksonville to Sarasota, Orlando to Key West. We understand local regulations, property nuances, 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.

✅ Real People, Real Help
You won’t get passed around a call center. You’ll work with a small, dedicated team who knows your name—and your note.

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 us 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.

❓People Also Ask

Can I sell just part of my mortgage note in Florida?
Yes. This is called a partial sale. You get cash for a set number of payments while still keeping future income.

Do I need a lawyer to sell my mortgage note in Florida?
Not usually. Most deals are handled directly with the buyer. Probate or divorce-related notes may benefit from attorney guidance.

How fast can I sell a mortgage note in Florida?
If your documents are ready, 2–4 weeks is typical. Probate or missing paperwork can add time.

What if my mortgage note is non-performing?
Non-performing notes can still be sold. Buyers evaluate the property and foreclosure options to make an offer.

Does Florida weather risk affect my note sale?
Sometimes. Homes in hurricane-prone areas may fetch lower offers, but good insurance coverage offsets much of the risk.

What happens if I inherited a note 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.

Does property value affect my note offer in Florida?
Yes. Notes secured by homes in strong markets like Miami or Tampa typically sell for higher prices than rural or vacant land notes.

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.

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

• Original Principal
• Note Balance
• Monthly Payment
• Email for Offer*
• Phone
  This field is for validation purposes and should be left unchanged.

Δ

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

Our Top Florida Markets