Texas Mortgage Note Buyers – Sell Your Texas Mortgage Note Fast
Holding a Texas Mortgage Note? Here’s What You Need to Know
If you’re a note holder in Texas, you already know that every monthly payment you collect is tied to the borrower’s ability — and willingness — to keep paying. While some note holders enjoy the steady stream of income, many Texans realize over time that selling their mortgage note makes more sense.
Why? Because life changes. Maybe you need cash to pay off debt, help a child with college tuition, or reinvest into another opportunity. Or maybe you’re just tired of managing the hassles that come with being the “bank.
At American Funding Group, we’ve been buying private mortgage notes in Texas for more than 30 years. We’ve helped note holders across Dallas, Houston, Austin, San Antonio, and rural Texas turn paper into profit — even when other buyers said no.
🏡 The Texas Real Estate Landscape – Why It Matters for Note Holders
From Austin’s tech-driven housing boom to the oil markets of West Texas, the state’s economy is as diverse as its geography. But that diversity comes with volatility.
- Austin: Once the hottest market in the U.S., now facing affordability issues and higher interest sensitivity.
- Houston: A hub of energy jobs and international trade, but property insurance costs are rising fast.
- Dallas–Fort Worth Metroplex: High appreciation, but some lenders are tightening terms and buyers are cautious.
- San Antonio: Steady growth, affordable homes, and strong rental demand — but property tax hikes are a constant concern.
- Rural East & West Texas: Many deals are seller-financed, especially land contracts and contracts for deed. These can be profitable, but they’re also riskier if a borrower defaults.
👉 As a note holder, this means your asset’s value can shift quickly. Selling your note now can protect you against sudden downturns or borrower troubles.
🏡 Texas Real Estate Is Booming… But It’s Also Changing
We’ve seen firsthand how rapidly the Texas real estate market can shift. One year, Austin is leading the nation in home value appreciation. The next, insurance costs in Houston or rising property taxes in Travis County are squeezing returns.
That’s why more and more Texans are choosing to cash out now while values are still strong—and before borrower issues or market corrections cut into their note’s value.
💬 Why Texas Note Holders Sell
Every situation is different, but here are the top reasons our clients choose to sell:
- 🧾 Simplify retirement planning
- 💳 Pay off credit cards or back taxes
- ⚖️ Settle divorce or inheritance disputes
- 🧠 Eliminate IRS reporting and record-keeping
- 🚫 Stop chasing late payments or worrying about foreclosure
- 💡 Reinvest in a new opportunity or property
Texas property laws—especially around contracts for deed—can be tricky. The sooner you sell, the fewer headaches you have.
Just submit your info to our Texas Mortgage Note Buyers through the form on the top of this page, we’ll evaluate it and get you a guaranteed offer within 24 hours. Still have questions? Check out our Frequently Asked Questions Page →
💡 Tips from a Texas Note Holder’s Point of View
Here’s what we hear from real Texas note sellers, and what you should keep in mind:
- “I thought collecting payments was passive income — but it’s not.”
- Tracking payments, filing IRS forms, and following up with borrowers is time-consuming. If you’d rather simplify, selling the note eliminates the paperwork burden.
- “I didn’t expect insurance and property tax changes to affect me.”
- In Texas, borrowers often fall behind because of rising insurance premiums or property taxes. Even if they make mortgage payments, these hidden costs can cause problems down the road.
- “I needed a lump sum, not a trickle.”
- Monthly payments may not match your life goals. Selling your note allows you to pay off debt, fund retirement, or seize a new investment opportunity.
- “I worried about foreclosure risk.”
- Even strong borrowers sometimes hit tough times. Selling shifts the risk to us, giving you peace of mind.
- “Partial sales gave me the best of both worlds.”
- Some Texans sell just part of their future payments. This lets you access cash now while still keeping a smaller stream of future income.
🛠️ What Kinds of Notes Do We Buy in Texas?
We buy nearly every type of real estate-backed note, including:
- Residential notes
- Owner-financed deeds of trust
- Land contracts and contracts for deed (common in Texas)
- Commercial mortgage notes
- Business notes tied to real estate
- Partial notes (sell part of your payments)
- Non-performing notes
Whether you’re holding a deed of trust on a single-family home in Plano, a duplex in San Antonio, or raw land in East Texas, we can make you an offer.
⚖️ Legal Nuances in Texas Note Sales
Texas has unique real estate and foreclosure laws:
- Contracts for deed (executory contracts) are treated differently here than in many other states. Texas law provides specific protections for buyers — which can complicate things if your borrower stops paying.
- Non-judicial foreclosure is common in Texas, which makes things faster — but it still requires legal precision.
- Recording requirements vary by county, and missing paperwork can delay or devalue your sale.
👉 This is why many note holders choose to sell. By passing the risk and legal complexity to us, you walk away with a clean break and cash in hand.
📍 Where We Buy Notes Across Texas
We know local markets across the state:
- DFW Metroplex – appreciating values but tightening regulations.
- Austin & Round Rock – innovation hub, but affordability pressures.
- San Antonio – steady growth, strong rental demand.
- Houston – diverse property types, higher insurance costs.
- Corpus Christi & Coastal Texas – vulnerable to storm risks, but steady demand.
- West Texas – oil-driven economy, land-rich opportunities.
- East Texas – land contracts, timber properties, and seller-financed deals.
No matter the region, we evaluate your note with local knowledge and a nationwide perspective.
❓ Common Questions Texas Note Holders Ask
Q: Can I sell just part of my note?
Yes. Many Texans prefer partial note sales — you get cash now but still keep some long-term income.
Q: What if my borrower is behind on payments?
We still buy non-performing notes. We may structure a partial purchase or discounted offer, but you can still walk away with cash.
Q: Do I have to pay closing costs?
No. At American Funding Group, we cover all paperwork, legal fees, and closing costs.
Q: How long does it take?
Most deals close in 2–3 weeks, sometimes faster if paperwork is in order.
📊 Mistakes Texas Note Holders Should Avoid
- Waiting too long to sell. Market dips, borrower defaults, or rising costs can reduce your note’s value.
- Not checking a buyer’s credibility. Always research testimonials, reviews, and years of experience.
- Assuming all buyers will buy any note. Many firms reject second liens, partials, or problem notes. We specialize in solving these challenges.
- Ignoring paperwork. Missing or unclear terms reduce your note’s marketability. Get your documents in order before requesting an offer.
🌟 Why Choose American Funding Group?
- 30+ years of experience buying Texas notes.
- We buy notes other companies won’t touch.
- Direct buyer — no middlemen or brokers.
- Fair offers within 24 hours.
- No hidden fees, ever.
- We handle all the paperwork.
Don’t take our word for it — our testimonials show how Texans just like you turned notes into cash quickly, safely, and fairly.
For more Info on Selling Your Texas Mortgage note, see below:
⚙️ How It Works — Selling Your Texas Mortgage Note
We make it simple and fast. Here’s what to expect:
- Submit Your Info
Just fill out the form on this page below or call us at (772) 232-2383 - Get a No-Obligation Offer
We’ll review your note and property and make a fair offer within 24 hours - Close Fast and Get Paid
Once you accept, we’ll take care of all the paperwork and closing.
You’ll receive funds in as little as 2–3 weeks.
We cover all costs and closing fees—you pay nothing out of pocket.
And yes, we can often close in as little as 2-3 weeks, depending on the note.
I’d like BEST PRICE for ALL or PART of My Note
The Texas Market Is Unique — So Are We
From surging values in booming cities like Austin and Plano to slower-moving rural areas where financing can get tricky — we know Texas.
We understand the quirks of Texas real estate law (like how contracts for deed are treated differently than in other states), the nuances of deed of trust foreclosures, and the risks noteholders face if a borrower stops paying in a judicial vs. non-judicial county.
That’s why experience matters. We’ve been helping note holders navigate these exact issues since the late 1980s.
Don’t just take our word for it —learn more about us and read our testimonials and see why so many Texans trust American Funding Group to turn their notes into cash. Keep in mind that we also buy real estate notes in other states.
Here are some articles that might be helpful when thinking about selling your Texas Mortgage Note.
🤔 Still Wondering If It’s Time To Sell?
If you’re still weighing your options, here’s something to consider… Every day you hold your note, you’re exposed to risk.
Market values can dip. Borrowers can miss payments.
Property taxes and insurance premiums can spike—especially in Texas.
Don’t wait until your note becomes more trouble than it’s worth.
✅ Get Your Texas Mortgage Note Offer Today
Selling your Texas note doesn’t have to be stressful.
It starts with a short phone call or quick form submission—and ends with you holding cash you can use now, for whatever matters most.
📞 Call us now at (772) 232-2383
Or fill out the short form at the top of this page to get started.
We’re here to answer your questions, provide a fair offer, and walk you through the process from start to finish—with no pressure and no obligation.
Let’s Unlock the Value of Your Texas Note — Together.
Turn those future payments into cash today.
Avoid the risks. Eliminate the stress.
Get a fast, fair offer within 24 hours.