“The cash settlement exceeded my expectations. I would not hesitate one moment to recommend you.”
JS… a note Seller from Fort Worth, TX
Holding a Texas Mortgage Note? Here’s What You Should Know
American Funding Group has been purchasing private mortgage notes since 1989. We buy Texas mortgage notes and deeds of trust secured by residential, commercial, and land properties, including both performing and problem notes.
Every note is different. Its value depends on the terms of the note, payment history, property and equity, remaining payments, lien position, borrower and documentation. We’ll review those details and explain the options available to you.
Depending on what you’re trying to accomplish, that might mean selling the entire note, selling only a portion of your future payments, or deciding that keeping the note makes more sense.
- Purchasing private mortgage notes since 1989
- BBB A+ Rated Business
- 5.0★ Google Reviews
- Direct mortgage note buyer — no broker or middleman
- No upfront fees
💬 Why Texas Note Holders Consider Selling
Every situation is different. Some 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.
- 🧾 Simplify retirement or estate planning
- 💳 Pay down debt or other obligations
- ⚖️ Settle a divorce, inheritance, or ownership change
- 🧠 Reduce the responsibility of managing a privately held note
- 🚫 Avoid dealing with late payments or servicing issues
- 💡 Reinvest in another property, business, or opportunity
- 🧾 Raise cash while keeping part of the note through a partial sale
What Kinds of Notes Do We Buy in Texas?
We purchase many types of privately held Texas real estate notes, including performing and problem notes secured by residential, commercial, and land properties.
Residential Notes in Texas
If you sold a Texas home using owner financing, we may be interested in purchasing the mortgage note or deed of trust. We buy notes secured by owner-occupied homes, rental properties, condos, townhomes, and other residential real estate.
Owner-Financed Deeds of Trust
Seller financing in Texas is commonly secured by a deed of trust. If you’re receiving payments from the buyer of a property you sold, we can evaluate the note and deed of trust and explain your options for selling all or part of the remaining payments.
Land Contracts & Contracts for Deed
We also evaluate Texas land contracts, contracts for deed, and other seller-financed real estate agreements. Because these transactions can be structured differently from a traditional note and deed of trust, we’ll review the documents and circumstances before determining the available purchase options.
Commercial Mortgage Notes
We purchase seller-financed notes secured by many types of commercial real estate, including multifamily, retail, office, and light industrial properties. Commercial notes are evaluated individually based on the note terms, payment history, property, equity, borrower, and documentation.
Partial Notes (Sell Part of Your Payments)
You don’t have to sell your entire mortgage note. If you need cash for a specific purpose, a partial sale may allow you to sell a portion of your future payments while keeping the remaining interest in the note. Once the purchased payments have been received, the remaining payments return to you according to the agreed structure.
A Real-Life Texas Partial Note Sale
We recently worked with a Texas family who held a performing seller-financed note secured by a ranch. They wanted access to some of their equity before the note’s future balloon payment, but that didn’t necessarily mean selling the entire note.
We evaluated both a full sale and a partial sale. After understanding the alternatives, the family chose the partial-sale option that better fit what they were trying to accomplish.
Read the Real-Life Story: Selling a Texas Mortgage Note →
Non-Performing Notes (Texas)
A late-paying or non-performing note isn’t necessarily unsellable. We evaluate problem notes individually, looking at the payment history, property and equity, lien position, borrower circumstances, documentation, and other factors that affect the note’s value. If you’re dealing with missed payments or another problem, we’ll review the situation and explain whether purchasing the note may be an option.
📍 We Buy Mortgage Notes Throughout Texas
American Funding Group purchases privately held mortgage notes and deeds of trust secured by properties throughout Texas. Whether the property is in a major metropolitan area, a smaller community, or a rural part of the state, we’ll evaluate the note based on the transaction itself.
🌟 Why Choose American Funding Group?
- Purchasing private mortgage notes since 1989
- Direct mortgage note buyer — no brokers or middlemen
- Experience with performing, problem, and partial note purchases
- No upfront fees
- We handle the details from evaluation through closing
- BBB A+ Rated Business
- 5.0★ Google Reviews
- Real-Life Mortgage Note Stories based on actual AFG transactions
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.
More Resources for Selling Your Texas Mortgage Note
⚙️ How It Works — Selling Your Texas Mortgage Note
Every note is different, but the basic process of selling a Texas mortgage note is straightforward.
Step 1 — Submit Your Information
You can either fill out the short form on this page or call us at (772) 232-2383.
Step 2 — We Evaluate Your Note and Explain Your Options
We’ll review the note terms, payment history, property and equity, remaining payments, lien position, borrower information, and available documentation. We’ll then explain the purchase options that may be available, including a full or partial sale when appropriate.
Step 3 — Close and Get Paid
Once you decide to move forward, we’ll coordinate the paperwork, due diligence, and closing. Most transactions are completed in about four weeks, although the timing can vary depending on the note and documentation.
There are no upfront fees, and we cover the normal costs associated with purchasing your note.
📞 Call (772) 232-2383 or Get My Note Quote Now
✅ Get Your Texas Mortgage Note Offer Today
If you’re considering selling all or part of your Texas mortgage note, the first step is simply to tell us 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.
Call (772) 232-2383 or complete the short form on this page to get started.
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Frequently Asked Questions
How much is my Texas mortgage note worth?
The value of a Texas mortgage note depends on several factors, including the unpaid balance, interest rate, remaining payments, payment history, property value and equity, lien position, borrower, and documentation. We review these factors together before presenting the purchase options that may be available.
Can I sell only part of my Texas mortgage note?
Yes. A partial sale allows you to sell a portion of your future payments for cash now while retaining an interest in the remaining payments. Depending on your objective, we can evaluate both a full sale and partial-sale alternatives.
Do you buy non-performing notes in Texas?
Yes. We evaluate late-paying and non-performing notes as well as performing notes. Problem notes are reviewed individually based on the borrower, property and equity, payment history, lien position, documentation, and circumstances of the transaction.
How long does it take to sell a Texas mortgage note?
Most transactions are completed in about four weeks, although the timing can vary depending on the note, title, documentation, and other due-diligence requirements.
Do I pay fees or commissions?
American Funding Group is a direct mortgage note buyer, not a broker. There are no upfront fees, and we normally cover the standard costs associated with purchasing the note.
Do you buy mortgage notes throughout Texas?
Yes. American Funding Group purchases privately held mortgage notes and deeds of trust secured by properties throughout Texas, including residential, commercial, and land properties.