Considering Selling a Florida Mortgage Note?

Why Florida Note Holders Trust Us

• Purchasing private mortgage notes since 1989
• Florida-based in Jensen Beach
• BBB A+ Rated Business
• 5.0★ Google Reviews
• Direct mortgage note buyer — no brokers or middlemen
• No upfront fees
• Experience with performing, problem, and partial note purchases

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 Florida Note Holders Consider Selling

Every situation is different. Some Florida note holders want access to cash for a specific purpose, while others simply want to explore whether continuing to receive monthly payments still makes sense.

Selling a mortgage note doesn’t have to mean selling everything. Depending on what you’re trying to accomplish, you may be able to sell the entire note, sell only a portion of the future payments, or decide that keeping the note is the better choice.

Some common reasons Florida note holders consider selling include:

• Retirement or estate planning
• Reinvesting in another property, business, or opportunity
• Paying down debt or other obligations
• Settling an inheritance, divorce, or ownership change
• Reducing the responsibility of managing a privately held note
• Dealing with late payments or servicing issues
• Raising cash while keeping part of the note through a partial sale

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 mortgage notes secured by owner-occupied or rental properties
• Performing mortgage notes with a consistent payment history
• Non-performing mortgage notes with missed payments
• Owner-financed mortgage notes
• Land contracts and contract-for-deed agreements
• Commercial mortgage notes
• Notes with balloon payments
• Seller carryback financing
• Partial note purchases — sell part of your future payment stream
• Mortgage loan portfolios

Learn more about what affects the value of a mortgage note →

How We Evaluate a Florida Mortgage Note

Every mortgage note is different. We consider several factors when evaluating a Florida note and determining the purchase options that may be available:

• 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

Want to Know What Your Florida Mortgage Note May Be Worth?

Tell us a little about your note. We’ll review the information and explain the options that may be available. There’s no obligation to sell.

How Selling a Florida Mortgage Note Works

Every note is different, but the basic process of selling a Florida mortgage note is straightforward.

Step 1 — Tell Us About Your Note

We’ll start by learning about your mortgage note, the property securing it, and what you’re trying to accomplish. There’s no pressure or obligation to sell.

Step 2 — We Evaluate Your Note

We’ll review the note terms, payment history, property and equity, borrower information, remaining payments, and available documentation.

Step 3 — We Explain Your Options

We’ll explain what we find and the purchase options that may be available. Depending on your situation, that could include selling the entire note, selling only part of the future payments, or deciding that keeping the note makes more sense.

Step 4 — Due Diligence, Closing & Funding

If you decide to move forward, we’ll coordinate the due diligence, title work, documentation, and closing. Most transactions are completed in about four weeks, although the timing can vary depending on the note and documentation.

A Real-Life Florida Mortgage Note Sale

We recently worked with a Florida note holder who had provided private financing to a family friend purchasing a home. The mortgage note was performing well, and the borrower had actually been paying more than required, including additional principal.

The seller wanted to understand his options, so we evaluated both a full sale of the mortgage note and a partial sale. During the process, the additional principal payments meant the unpaid balance needed to be recalculated before the purchase could be finalized.

We worked through the updated balance, documentation, due diligence, and closing. The transaction was completed, and the seller later left American Funding Group a five-star Google review describing the process as “straightforward,” “patient,” with “no pressure” and “no surprises.”

Read the Real-Life Story: Selling a Florida Mortgage Note →

📚 Related Florida Mortgage Note Resources

If you’re exploring whether to sell a Florida mortgage note, these guides may help answer some of the questions that come up most often:

Why Choose American Funding Group?

American Funding Group has been purchasing private mortgage notes since 1989. We’re based in Jensen Beach, Florida, and work directly with note holders throughout the state and nationwide.

• Experience Since 1989. We’ve worked with performing notes, problem notes, partial purchases, and transactions that required some extra problem-solving along the way.
• Direct Mortgage Note Buyer. You’re working directly with American Funding Group — not a broker or middleman.
• Personal Attention. We’re a small, experienced team. You’ll have someone who understands your note and can answer your questions throughout the process.
• No Upfront Fees. There’s no charge to have us evaluate your note and explain the options that may be available.
• Established Trust. American Funding Group has an A+ BBB rating and 5.0★ Google Reviews.

I’m Kevin Clancy, President of American Funding Group. I’ve been purchasing private mortgage notes since 1989. My approach is straightforward: first understand what you’re trying to accomplish, then evaluate the note and explain the alternatives so you can decide what makes sense for you.

Learn more about American Funding Group and our experience →

Let’s Talk About Your Florida Note

Whether you’re considering selling now or simply gathering information, we’re happy to talk. Tell us about your note and what you’re trying to accomplish, and we’ll answer your questions and explain the options that may be available.

There’s no pressure or obligation to sell.

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

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

We Buy Mortgage Notes Throughout Florida

American Funding Group purchases privately held mortgage notes secured by properties throughout Florida. Whether the property is in South Florida, Central Florida, the Treasure Coast, the Gulf Coast, the Panhandle, or a smaller Florida community, we’ll evaluate the note based on the transaction itself.

Ready to Discuss Your Florida Mortgage Note?

If you’re considering selling all or part of your Florida mortgage note, tell us a little about the note and what you’re trying to accomplish. We’ll review the information, answer your questions, and explain the options that may be available.

There’s no pressure or obligation to sell.

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 mortgage note purchases are completed in about four weeks, although the timing can vary depending on the note, documentation, title work, and due diligence.

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?

Yes, in many cases an inherited mortgage note can be sold. The documents needed will depend on how ownership of the note passed to you — for example, through an estate, trust, joint ownership, or another transfer. We can review the situation with you and explain what documentation may be needed before a sale can be completed.

Are there any upfront fees or commissions?

No. American Funding Group does not charge upfront fees or commissions to the note seller. We are a direct mortgage note buyer rather than a broker or middleman

American Funding Group purchases mortgage notes nationwide. If your note is secured by property outside Florida, see the states and markets we serve.