“The cash settlement exceeded my expectations. I would not hesitate one moment to recommend you.” JS, Fort Worth, TX
Sell Texas Mortgage Note Fast – Texas Mortgage Note Buyers
Holding a Texas Mortgage Note? Here’s What You Need to Know
“We buy notes throughout Texas — in major metros, small towns, rural counties, and everywhere in between.”
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.
> Veteran-owned and operated since 1989
> 30+ years buying mortgage notes nationwide — no brokers, no fees
> Chamber of Commerce Reviews
> Personalized solutions — we handle complex or “hard-to-sell” notes
> Fast closings (usually within 4 weeks) and clear communication every step
🏡 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: High Growth, Rising Costs
- Houston: Insurance Pressure
- DFW: Appreciation + Tighter Lending
- San Antonio: Stable Growth
- Rural East & West Texas: Heavy Seller Financing
👉 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.
“Texas note holders often feel these market shifts directly, since borrower stability and property values impact note performance.”
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
These motivations are common across Texas counties, from Harris to Travis to Bexar to Tarrant.
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?
These note types are some of the most common in Texas seller-financed transactions.
Residential Notes in Texas
If you sold a residence in Texas with owner financing, whether its owner occupied or is a rental property, we are interested in buying that financing.
Owner-Financed Deeds of Trust
When you owner-finance a real estate purchase and give the borrower title to the property, you will be given a deed of trust as collateral. You will hold an owner financed deed of trust, which we would like to purchase.
Land Contracts & Contracts for Deed (Texas)
If you don’t give title to the property at the time of the sale when you owner-finance the sale but defer the passing of title until the loan is paid off, you would create land contract or agreement for deed. We are buyers of Texas land contracts and agreements for deed.
Commercial Mortgage Notes (Texas)
If you have sold a commercial property or a residential property with more than four units, the property is classified as a commercial property and you will receive a commercial deed of trust, sometimes called a commercial mortgage note. We love buying Texas Mortgage Notes.
Partial Notes (Sell Part of Your Payments)
Perhaps you do not want or not need all the cash from your mortgage note. You can sell part of your note payments now and receive a lump sum of cash. You will also keep a remaining interest in your note. After we receive the payments which we agreed to buy, you receive remaining monthly payments like an annuity.
Non-Performing Notes (Texas)
Borrowers may miss their monthly payments or stop paying all together> In certain situations we may buy your non-performing note or work with you and the borrower to turn the note into a performing one. Give us a call at (772) 232-2383 and see if we can help!
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. If
⚖️ 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.
Texas property law treats executory contracts differently than many other states, which is why local experience matters.
📍 Where We Buy Notes Across Texas
We know local markets across the state:
- DFW Metroplex
- Austin / Round Rock
- San Antonio
- Houston
- Coastal / Corpus Christi
- West Texas
- East Texas
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 3–4 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.
- We’ve purchased thousands of notes across Texas and understand the unique challenges and opportunities of the state’s real estate market.
- Don’t take our word for it — our testimonials show how Texans just like you turned notes into cash quickly, safely, and fairly.
More Resources for Selling Your Texas Mortgage Note
⚙️ How It Works — Selling Your Texas Mortgage Note
Selling a mortgage note in Texas is simple when you know the process.
Step 1 — Submit Your Information
You can either fill out the short form on this page or call us [phone].
Step 2 — Receive a No-Obligation Texas Offer
We’ll review your note and property details and make a fair offer within 24 hours
Step 3 — Close and Get Paid
Once you accept, we’ll take care of all the paperwork and closing. You’ll receive funds in as little as 3-4 weeks.
We cover all costs and closing fees—you pay nothing out of pocket.
And yes, we can often close in as little as 3- 4 weeks, depending on the note.
📞 Call (772) 232-2383 or Get My Note Quote Now
Why Texas Noteholders Trust Us
> Texas real estate is booming…From surging values in booming cities like Austin and Plano to slower-moving rural areas where financing can get tricky — we know Texas.
> Texas has unique laws around the nuances of deed of trust foreclosures, and the risks noteholders face if a borrower stops paying in a judicial vs. non-judicial county.
> We’ve helped Texas note sellers navigate the complexities of trust deed and agreement for deed sales, partial trust deed sales, modification of promissory notes to avoid real estate foreclosure. Experience matters.
> That’s why experience matters. We’ve been helping note holders navigate these 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.
🤔 Is Now the Right Time to Sell Your Texas Mortgage Note?
If you’re still weighing your options, consider… Every day you hold your note; you’re exposed to risk.
> Borrower risk… of missing payments, default, non-payment of taxes and letting hazard insurance lapse
> Property tax increases… You must monitor that property taxes are paid. If borrowers don’t pay property taxes the value of your trust deed is at risk.
> Hazard Insurance… You must make sure that your borrower sends you annual confirmation that Hazard Insurance is in place. A catastrophe can make your trust deed worthless.
> Market volatility… The value of your promissory note is related to current interest rates and property values. When interest rates go up, the value of your note declines. Also, if property values decline, your note value may also decline.
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.
We buy Texas notes in every county — from Harris and Travis to Dallas, Tarrant, and Bexar.
📞 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.
At American Funding Group, we’re not just note buyers — we’re problem solvers, ready to help.
Want the Most Trusted Mortgage Note Buyers?
Weigh Your Options Before You Sell Your Note.
📞 Call (772) 232-2383 or Get My Note Quote Now
Top Texas Markets We Serve:
Frequently Asked Questions
1. Can I sell just part of my mortgage note instead of the whole thing?
Yes — you can. Many Texas note holders choose a partial sale, selling only a portion of the future payments (for example, the next 60 payments) and retaining the remainder of the income stream. This offers liquidity now while preserving long-term income. It raises some cash now and maintains a future income stream like an annuity.
2. Do you buy non-performing notes (where the borrower is behind on payments)?
Yes. We buy both performing and non-performing notes. If the borrower is behind, we will evaluate the risk and may structure an offer based on a partial sale or modification of the promissory so that you can raise cash now.
3. Are there any fees, commissions, or out-of-pocket costs for me when selling through you?
No. There are no seller fees or commissions. You won’t be asked to pay legal fees or closing costs — we cover the paperwork and all closing expenses.
4. How long does it take to close and receive payment?
Most deals close in about 3-4 weeks, sometimes faster if the paperwork is in order. The exact timing depends on the complexity of the note, the note details and how quickly all documentation is provided to us.
5. What factors determine how much you’ll offer for my note?
We evaluate several key factors, including:
- The balance, interest rate, payment amount and number of remaining payments.
- The property securing the note (its condition, location, value) in Texas.
- The borrower’s payment history, credit profile, and risk of future default.
- Texas-specific legal and market factors (foreclosure process, note priority, liens).
6. I hold a note secured by an owner-financed contract, land contract (agreement for deed) or a second lien in Texas — will you consider it?
Yes. We buy a wide variety of real estate backed notes across Texas including owner-financed deeds of trust, land contracts/contracts for deed, first and second liens, commercial notes, and more. Just contact us by filling out the quick form above or calling us at [phone].
We buy mortgage notes nationwide, not just in Texas. See our full coverage here: We Buy Notes in All 50 States. Or compare your options on our Nationwide Note Buyer page