Institutional Note Buyers

Direct Buyer With $50M+ Deployed | Individual Notes & Portfolios | All 50 States

Note Buyers of America is an institutional direct buyer with dedicated capital for note acquisitions. We purchase individual notes and portfolios of performing and non-performing seller-financed notes nationwide. No brokers, no middlemen, no fees.

Call 800-467-2943

What Are Institutional Note Buyers?

Institutional note buyers are professional companies and investment funds that purchase mortgage notes using their own dedicated capital. Unlike note brokers who act as intermediaries, or individual investors who may need to raise capital for each transaction, institutional buyers have funds allocated and ready to deploy. This means faster decisions, more reliable closings, and competitive pricing.

Note Buyers of America operates as an institutional direct buyer. We have purchased over $50 million in notes since 1997 using our own capital. When we make an offer, we have the funds to close — there is no waiting for third-party approval or capital raises.

Institutional vs. Broker vs. Individual Buyer

  • Institutional buyer (NBOA): Dedicated capital, in-house underwriting, direct purchasing decisions. No fees to sellers. Closes in 21 days.
  • Note broker: Shops your note to multiple buyers, takes 2-5% commission. Timeline depends on finding a buyer. You may not know who ultimately purchases your note.
  • Individual investor: May have limited capital and need to raise funds per deal. Higher risk of deals falling through. Often focuses on specific note types or geographic areas.

What We Buy

Individual Notes

  • Residential mortgage notes
  • Commercial mortgage notes
  • Business notes
  • Land contracts & contracts for deed
  • Deeds of trust
  • Performing & non-performing

Portfolio Transactions

  • Multiple note packages
  • Performing note pools
  • Mixed performing/NPL portfolios
  • Geographic-specific portfolios
  • Note type-specific portfolios
  • Custom acquisition criteria

Frequently Asked Questions

What are institutional note buyers?

Professional companies and funds that purchase notes using their own capital. They make direct buying decisions without relying on third-party funding. NBOA has deployed $50M+ in note acquisitions since 1997.

Do you buy note portfolios?

Yes. We purchase both individual notes and portfolios. Portfolio sales can sometimes achieve better pricing because the diversification reduces risk. Contact us to discuss your portfolio.

How is NBOA different from a note broker?

We buy notes with our own capital. No commissions, no shopping your note to third parties, no uncertainty about who the end buyer is. The offer we make is the offer we honor at closing.

Explore Note Types

Sell to an Institutional Buyer

Get a direct cash offer backed by $50M+ in deployed capital. No brokers, no fees.