Cash for Your Mortgage Note

How to Get Cash for Your Mortgage Note

If you are receiving monthly payments on a seller-financed mortgage note and would prefer a lump sum of cash, Note Buyers of America can buy your note. We purchase performing and non-performing mortgage notes, promissory notes, deeds of trust, land contracts, and business notes in all 50 states.

The process is simple: submit your note details, receive a cash offer within 24 hours, and close in as few as 21 days. We pay all closing costs — the offer you receive is the net amount deposited to your account.

How Much Cash Will I Get?

The cash value of your mortgage note depends on several key factors:

• Payment history: Notes with 12+ months of on-time payments get the best pricing. Consistent payments prove borrower reliability.
• Borrower equity (LTV): More equity in the property means less risk. LTV under 70% commands the strongest offers.
• Interest rate: Higher rates generate more cash flow, improving your offer.
• Remaining balance and term: Larger balances and reasonable terms are more attractive.
• Property type: Owner-occupied residential homes get the best pricing. Commercial and land notes vary.
• Documentation: Complete files with original note, recorded lien, and payment records speed closing and improve the offer.

Most performing first-lien notes sell for 75-95% of the unpaid balance. Non-performing notes sell for 30-70% depending on equity coverage. Get a free quote to find out what your specific note is worth.

Why Choose NBOA for Cash?

• Direct buyer: We buy with our own capital. No brokers, no commissions, no middlemen.
• 24-hour offers: Submit your details and receive a written cash offer the next business day.
• 21-day closings: We handle all title, appraisal, and document work to close quickly.
• Zero fees: We pay all closing costs. Your offer is your net amount.
• 29 years experience: $50M+ in note purchases since 1997 with an A+ BBB rating.