Demystifying Note Buyers: What is a Note Buyer?

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What exactly is a note buyer? Imagine you’re holding an IOU, a promise to repay a debt. That, in essence, is a note. Now, picture someone willing to buy that IOU from you – that’s a note buyer! Note buyers are strategic investors seeking specific types of notes, categorized by their collateral:

  • Nationwide mortgage note buyers: These titans deal in notes backed by reliable real estate, like houses and commercial buildings, across the US. Think of them as real estate note buyers or deed of trust buyers, wanting collateral of bricks and mortar.
  • Business note buyers: Their domain? Businesses themselves…There is no real estate collateral but the note buyer is betting on the promise of future profits.
  • Private mortgage note buyers: These investors focus on houses, mobile homes, land, and other property types, as long as the homeowner shows promise.

Benefits of Note Buying

Note buyers provide immediate liquidity for the note holder…providing him with instant access to a lump sum instead of waiting years for dribs and drabs of loan payments.

The mortgage note buyer usually gains higher returns from buying notes than he would gain from more traditional investments. He has control and flexibility, becoming the new “landlord” of the debt, empowered to negotiate terms, sell the note later, or even foreclose if needed.

Note buying is a legitimate and well-established investment strategy, attracting both individual investors and institutional players. But like any investment, it requires due diligence.

If you want to become a mortgage note buyer, remember:

  • Do your research: Understand the different types of notes, the risks involved, and the market dynamics.
  • Seek expert guidance: Connect with experienced note buyers or consultants who can navigate the complexities for you.
  • Start small: Don’t bet your farm on the first note. Begin with smaller investments to gain experience and build confidence.

Holding A Real Estate Note… Should I sell to a Note Buyer?

If you’re holding an owner-financed note, you know the drill: chasing late payments, dealing with paperwork, and worrying about taxes and insurance. It can be a real drag. But there’s a better way – sell your note to a reputable nationwide note buyer.

Imagine this: instead of waiting years for slow drips of cash, you get a lump sum of money upfront. No more chasing payments, no more stress. Sounds like a dream come true, right?

Here’s why selling to a note buyer is your ticket to freedom:

  • Cash in hand, fast: Eliminate the burdens of note ownership and get instant liquidity.
  • Say goodbye to hassles: Bid farewell to late payments, property taxes, insurance, and all the other headaches.
  • Choose your deal: Select the option that suits you best, whether it’s selling all payments or just a portion.
  • To take the first step in selling your promissory note, click here and fill out the short form.

But hold on, isn’t selling a note risky?

Not if you partner with a trusted nationwide note buyer. They’ll:

  • Keep you informed: Every step of the way, you’ll be in the loop, feeling confident and secure.
  • Offer fair prices: Based on your note’s specifics, you’ll receive a competitive offer that reflects its true worth.
  • Explain everything: Gain a clear understanding of how your note is valued and what to expect throughout the process.

So, who are these note-buying experts? They’re real estate and business investment professionals who specialize in buying notes like yours. They have the expertise, the resources, and the passion to help you unlock the cash trapped in your note.

Ready to ditch the stress and grab your lump sum? Look no further than a nationwide note buyer. They’ll take care of everything, leaving you free to invest your cash in whatever your heart desires.


What Makes A Good Note Buyer?

If you don’t like the product or service of a restaurant, a dry cleaner, or a landscaping company, it is easy to find a similar company that you like better for the next time. Few people ever own more than one real estate note in their lifetime, so it is important to do everything right the first time when selling a note. This includes choosing the best mortgage note buyer.

Whether you are selling a mortgage note or selling a business note, here are some things to look for in a private note buyer:

  1. Be sure to check on whether they have worked full-time in the note business for at least ten years.  If not, they may not have the expertise to painlessly get you through the note selling process.
  2. Ensure that the company has positive reviews with the Better Business Bureau, as well as on the search engines and any relevant websites.
  3. When you talk with the note buyer on the phone, listen to your intuition as to whether the real estae note buyer knows what they are talking about, can ably and honestly answer your questions, and seems focused on providing you with excellent customer service.

Fortunately, American Funding Goup checks all of those boxes, as it has been in business for 30+ years and consistently gets top reviews with the Better Business Bureau and the top search engine.

Unlock Top Dollar for Your Note: Choose the Best Note Buyer

Selling a note, whether it’s for a mortgage or a business, is a big decision. You deserve a smooth, stress-free experience and the best possible return on your investment. But with countless note buyers out there, how do you choose the one that’s truly right for you?

Look no further than these 4 golden qualities of a top-notch note buyer:

1. Seasoned Expertise: You wouldn’t trust a rookie chef with your birthday dinner, so why trust your valuable note to an inexperienced buyer? Seek a company with at least 10 years of full-time note buying experience. Their proven track record ensures they’ve navigated every curveball the market throws, maximizing your profit while minimizing hiccups.

2. Squeaky-Clean Reputation: Don’t settle for “maybe” – demand outstanding reviews. Check Google, and industry forums for a buyer’s glowing reputation. Look for consistent praise for their professionalism, transparency, and commitment to customer satisfaction.

3. Knowledgeable: For mortgage notes find a buyer with a stellar reputation. Choose a buyer with in-depth knowledge of note intricacies and regulations. This ensures they can navigate legal hurdles and paperwork with ease, protecting you every step of the way. Check out your note buyer’s Googe reviews and testimonials.

4. Intuition Check: Beyond the numbers, trust your gut. When you chat with the buyer, do they seem genuinely interested in your note and your needs? Can they answer your questions clearly and honestly, without jargon or evasiveness? Do they prioritize your satisfaction, offering helpful advice and tailoring the process to your specific situation?

Remember: the best note buyer isn’t just about the highest offer. It’s about finding a trusted partner who understands your goals, respects your time, and empowers you to sell with confidence.

Looking for a buyer who ticks all the boxes? Look no further than American Funding Group. With over 30 years of experience, a consistently impeccable reputation, and a team of experts, they’re the gold standard in note buying.

Don’t let your valuable note languish in the wrong hands. Choose American Funding and unlock the top dollar you deserve.

About Us… American Funding Group: Your Trusted Partner in Mortgage Note Buying

Tired of the runaround from other note buyers? At American Funding Group, we understand the complexities of selling a mortgage note. That’s why we’re not just any note buyer – we’re your trusted partner, dedicated to helping you achieve your financial goals with respect, transparency, and creative solutions.


Meet Kevin Clancy, your President and Coast Guard Academy graduate. With years of experience in both military service and finance, Kevin leads our team with a can-do attitude and a commitment to overcoming any obstacle.

Our core values are the bedrock of our success:

  • Integrity: We do what we say, period. No empty promises, just reliable action to get your deal done.
  • Communication: We’re not fans of the silent treatment. You’ll be kept informed every step of the way, so you’re always in the loop.
  • Respect: You’re not just a transaction. We value your trust and treat you with the dignity your financial asset deserves.

Since 1989, American Funding Group has been a beacon of trust in the note buying world. We’ve purchased thousands of notes, solved countless problems, and even tackled situations other buyers deemed impossible. And most importantly, American Funding Group wants to buy your mortgage.

Why choose us?

  • Creative problem-solving: We don’t believe in one-size-fits-all solutions. We’ll craft a unique approach tailored to your specific needs, maximizing your return.
  • Experience matters: With decades of expertise under our belt, we’ve seen it all. No challenge is too complex, no note too intricate for our team.
  • Proven track record: Thousands of satisfied clients and a reputation for excellence speak volumes about our commitment to your success.

Searching for the “right” mortgage note buyer can feel like searching for a needle in a haystack. But with American Funding Group, you can rest easy. We’re not just another face in the crowd – we’re your trusted partner, ready to navigate the complexities of your note sale and deliver the respectful, efficient, and profitable experience you deserve.

Don’t settle for less. Contact American Funding Group today and let’s unlock the full potential of your mortgage note.

What Note Sellers have said about dealing with us: 


It’s very important to us that when you are selling a note that you have a great experience. We are very proud of our American Funding Group testimonies. In the end, we’re not happy if you’re not happy.  So, check out what others have said about us.

One of our customers, A.C. Of Rochester, NY, had this to say: “American Funding Group, we want to send you a special thanks for your kindness, promptness and thoroughness in the way you handled our transaction. We were more than satisfied and will recommend you highly in the future.” 


“The cash settlement you gave me exceeded my expectations. I would not hesitate one moment to recommend you.“ J.S., Ft. Worth, Texas

“The transaction was handled very well. We appreciate the way you were able to overcome the problems, particularly the lack of cooperation of the payor. Great job! “ J. & B. M., Palm City, FL.

Let’s Clear up How Note Buyers Value Your Mortgage Note

So, you’re thinking of selling your prized mortgage note? But with a sea of note buyers out there, how do you know you’re getting the best possible deal? Fear not, for we’re here to demystify the valuation process and help you navigate the world of note buyers with confidence.

First things first: different note buyers have different priorities. But for most nationwide mortgage note buyers, certain key factors reign supreme:

  • The Collateral: It all starts with the property itself. Owner-occupied houses and buildings are the golden ticket, indicating a vested interest in maintaining the property and ensuring timely payments.
  • Equity’s Sweet Spot: A healthy 20% or more equity cushion is like music to a note buyer’s ears. It signifies a lower risk of default and a potentially higher return on their investment.
  • Credit Kudos: A squeaky-clean credit score from the payer is like a financial knight in shining armor. The higher the score, the more likely they are to meet their obligations, translating to a higher offer price for your note.
  • Time is Money: Shorter note terms generally mean less risk and faster returns, making them more appealing to note buyers. Think less than 20 years for maximum value.
  • Interest Ingenuity: An above-market interest rate acts like a bonus multiplier. Generally, the higher the rate, the more enticing your note becomes to potential buyers.
  • Payment history: A track record of on-time payments speaks volumes about the payer’s reliability and boosts the note’s value.
  • Special features: Does your note have any unique perks like a personal guarantee or balloon payment? These can add extra layers of security and potentially influence the offer price.

Remember: valuing a note is both an art and a science. While these factors provide a solid framework, different note buyers might have their own specific weights and nuances. Do your research, compare offers, and choose a note buyer who values not just the numbers, but also the unique story behind your note.

Own The Future: Sell Your Mortgage Note, Breathe Easy

Holding onto a mortgage note can feel like a sweet deal – regular payments rolling in, a juicy interest rate. But let’s be honest, it’s not all sunshine and rainbows. What if the borrower hits a rough patch and stops paying? Are you ready to become an accidental landlord, chasing payments and navigating the legal maze of foreclosure?

There’s another way. Remember… Selling your note to a nationwide direct mortgage note buyer like American Finding Goup opens up a world of possibilities:

  • Cash in hand, fast: Ditch the waiting game and get a lump sum injected straight into your bank account. No more chasing late payments, no more sleepless nights worrying about defaults.
  • Unleash your financial power: Invest your newfound freedom in whatever sets your soul on fire – a dream vacation, that business you’ve been dreaming of, or simply a fatter retirement nest egg.
  • Leave the hassles behind: Say goodbye to property tax worries, insurance headaches, and the burden of maintaining someone else’s property. It’s time to reclaim your time and peace of mind.

But you don’t have to go all-in. Explore selling just a portion of the payments, giving you a cash boost while retaining future income.

The key? Knowledge is power. Before making any decisions, talk to American Funding Group. We’ll walk you through your options, explain the valuation process, and answer all your burning questions.

Don’t let your note be a ticking time bomb. Take control, unlock your financial future, and let American Funding Group handle the rest.