How Selling Your Note Works

A note buyer is essentially purchasing the right to your future payments, so the value is based on what those payments are worth today. Several things move the number: the interest rate on the note, how much term is left, the payer’s payment history, the down payment or equity, the type of property, and the current value of the Texas property securing the note. That’s why notes typically sell for less than the remaining balance; the gap reflects risk and the time value of money. We’ll walk you through how we reach our figure. Any estimate is preliminary and non-binding, subject to due diligence and underwriting.

Often, yes. A partial sale lets you sell some of the payments for cash now and keep the rest, which can be a good middle ground if you want liquidity today but still like the income. A full sale converts the entire remaining note into a lump sum. We can talk through both and which might fit your goals. The choice is always yours.

It depends on the type of note, the property, title, and how complete the documentation is. Once we have what we need, we aim to move efficiently and keep things simple. We’ll give you a realistic sense of timing for your specific situation rather than promise a fixed date, since closing depends on verification, title, and due diligence.

We focus on Texas seller-financed notes: promissory notes secured by a deed of trust, contracts for deed and land contracts, wraparound notes, and notes on a range of property types including single-family homes, raw land, and rural acreage. We consider both performing notes and notes where the payer is behind. If you’re not sure whether your note fits, just ask.

Yes. We treat your information as confidential and use it only to evaluate your note. You’re sharing details so we can give you an accurate review, not to be added to a marketing list or passed around.

To start, it helps to have the note itself, the deed of trust or contract for deed, a payment history, and a rough idea of the current payoff. You don’t need everything perfectly organized to begin the conversation; send what you have, and we’ll let you know if anything else would help us give you a more accurate estimate.

There’s no cost to request an estimate and no obligation to sell. Submitting your details doesn’t commit you to anything, and it doesn’t commit us to purchase. Any amount we discuss is a preliminary, non-binding estimate; a price becomes binding only once both parties sign a written purchase agreement. You decide whether it works for you.

When you sell to a direct buyer, you work with the person actually evaluating and purchasing your note, without a broker layer adding fees or relaying messages. The note market is lightly regulated, so it’s worth working with a credible buyer who explains the process clearly and doesn’t lean on guarantees like “highest price” or “instant approval.” Being a Texas-focused direct buyer means we know the local instruments and recording rules, and you get straight answers from the source.