How to Sell a Difficult Real Estate note — Even If Other Buyers Said No
Are you holding a mortgage note that feels more like a burden than an asset?
If your real estate note is difficult… the payor is falling behind, the property’s value has dropped, or the paperwork is less than perfect, you may be wondering whether you can even sell your note at all.
You can.
At American Funding Group, we’ve been helping people like you for over 30 years, and we specialize in buying mortgage notes with problems—even the kinds of notes that other buyers walk away from.
🚧 Problems Selling a Difficult Real Estate Note? You’re Not Alone.
Many note holders think they’re stuck. Maybe you’ve already tried to sell and ran into roadblocks. Or maybe you were told your note was “too risky” or “not marketable.”
Here’s the good news:
You don’t need a perfect note to get a fair offer. You just need to work with the right buyer.
✅ First Things First: Work With a Buyer Who Solves Problems, Not Creates Them
Selling a difficult real estate note — one with issues—starts with choosing the right buyer.
Not all buyers are created equal. Some are just looking for easy, “cookie-cutter” notes. Others care more about their profits than your situation. That’s not us.
At American Funding Group, our mission is to solve problems, not take advantage of them. We’re known for our honesty, experience, and creative thinking. We’ll take time to understand your unique situation and come up with a solution that works for you particularly when looking to sell a difficult real estate note.
Before choosing any note buyer, do your homework:
- 📱 Read Google reviews
- 💬 Ask for testimonials
- 🧾 See what others say about their experience
Find out what other note holders have said about dealing with us here. Or you can check out our company philosophy and guarantee to you… by clicking here.
You’ll see that we have a long track record of turning complicated notes into real results.
🔍 4 Common Issues That Can Cause Problems When Looking to Sell a Difficult Real Estate Note
Let’s talk about why a mortgage note might be difficult to sell—and how we help you overcome those challenges so you can sell a difficult real estate note.
1. Property Value
One of the biggest challenges in selling a note is the value of the property securing it. If the real estate’s value has dropped—or comes in low on an appraisal—it affects the risk level for buyers.
But don’t worry. We’ve worked through these situations before. Sometimes, we’ll order a second appraisal, or we might suggest buying just a portion of your note until the value supports a full purchase.
2. Borrower’s Equity Position
If your borrower has little equity—or none at all—it may reduce our ability to pay top dollar. But again, we often get creative. We may recommend purchasing a partial interest in the note now, and more later if the borrower builds equity or improves performance.
3. Borrower’s Credit & Payment History
Is your borrower behind on payments? Do they have poor credit? That can absolutely affect the price of your note—but it doesn’t make it unsellable.
We’ve structured many deals around imperfect borrowers. Sometimes we start by buying part of the note, then later buy the rest once we’ve seen consistent payments.
The better the borrower’s performance, the more we can typically pay. But even when credit is poor, we still find solutions.
4. Loan Terms (Balloon Payments, Short Amortizations, etc.)
Does your mortgage note have a balloon payment due in the next year or two?
That’s a red flag for many buyers—but not for us.
If the borrower has no plan to pay the balloon, we might recommend restructuring the note, extending the term, or modifying the payment schedule to remove the balloon entirely. We know how to adapt the terms to make a note sale possible.
💡 Real Talk: What’s Your End Goal?
Maybe you just want to be done with chasing payments. Maybe you need cash now for retirement, reinvestment, or a family emergency. Or maybe you’re just sick of managing a note that’s turned into a headache.
Selling your mortgage note—even a problem one—can offer:
- 💰 Immediate cash
- 🧘 Relief from risk, stress, and uncertainty
- 🔄 Flexible options (full sale, partial sale, restructured terms)
Sometimes, it’s not about squeezing every last dollar out of a difficult note—it’s about regaining your peace of mind. Want to get started? Just fill out the quick form below.
I’d like BEST PRICE for ALL or PART of My Note
🛠️ Our Process: How We Help You Sell a Problem Mortgage Note
We’ve made the process simple, transparent, and respectful—because that’s what you deserve.
Step 1: Tell Us About the Note
Fill out the short form above or call us at (772) 232-2383. We’ll ask a few questions about the borrower, the property, and your goals.
Step 2: We Evaluate
We dig into the details. We look at credit, collateral, payment history, and more. Then we create a solution—often with options.
Step 3: You Get a Fair Offer
No pressure. No games. Just a straightforward offer based on your note’s real value.
Step 4: Close and Get Paid
Once you accept, we handle the paperwork. You get paid—often in as little as 2–3 weeks.
🔄 What If My Note Really Is Too Difficult?
Here’s the thing:
Most notes aren’t as unsellable as you think.
Even if there are multiple issues—missing documents, poor credit, vacant property, balloon payments—we often find a way forward when others say no.
We’re not afraid of complexity. In fact, we’re known for solving exactly these kinds of problems.
🗣️ Hear What Others Are Saying
Don’t just take our word for it. Read what other note holders have said about their experience with American Funding Group. You’ll see a pattern: honest conversations, creative solutions, and results where others failed.
Ready to Sell Your Problem Mortgage Note?
Whether you’re ready to sell today or just want answers to your questions, we’re here to help.
📞 Call us at (772) 232-2383
📧 Or fill out the short form above for a free, no-obligation consultation.
At American Funding Group, we don’t just buy notes—we solve problems.