We Buy All Note Types | 24-Hour Offers | 21-Day Closing | No Fees
Whether you hold a mortgage note, promissory note, land contract, deed of trust, or business note, Note Buyers of America provides a fast, fair cash offer. Trusted since 1997 with $50M+ in note purchases.
Note Buyers of America purchases virtually every type of seller-financed note secured by real estate or business assets. If you are receiving monthly payments from a note, we can likely buy it.
Real Estate Notes
Residential mortgage notes
Commercial mortgage notes
Land contracts
Contracts for deed
Deeds of trust
Wraparound mortgages
Mobile home notes (with land)
Other Note Types
Business notes
Promissory notes
Performing & non-performing notes
First & second lien notes
Partial note sales
Seasoned notes
Institutional notes
How to Sell Your Note in 3 Steps
Submit your note details: Tell us about your note — the property, balance, interest rate, and payment history. Our AI-powered valuation tool provides an initial estimate instantly.
Receive your cash offer: Within 24 hours, you will receive a written cash offer. We explain exactly how we arrived at the price — no hidden formulas.
Close and get paid: Accept the offer and we handle the rest — title, appraisal, document preparation, and closing. Most transactions close within 21 days. We pay all closing costs.
Why Sell Your Note to NBOA?
No fees or commissions: The price we quote is the price you receive.
Direct buyer, not a broker: We buy notes with our own capital. No middlemen.
All 50 states: We buy notes secured by property anywhere in the United States.
Full or partial purchases: Sell your entire note or just a portion of the payments.
Interest rate: Higher rates mean more cash flow, which raises the offer.
Borrower equity (LTV): More equity in the property reduces risk for the buyer.
Remaining balance and term: Larger balances and reasonable terms improve pricing.
Property type and condition: Residential properties typically command higher prices than vacant land.
Documentation quality: A complete file with original note, deed of trust or mortgage, and payment records speeds closing.
Lien position: First lien notes are worth more than second lien notes.
Frequently Asked Questions
How do I sell my note?
Submit your note details through our online form or call us at 800-467-2943. You will receive a written cash offer within 24 hours. If you accept, we handle all the paperwork and close in as few as 21 days.
What types of notes can I sell?
We buy residential mortgage notes, commercial notes, business notes, promissory notes, land contracts, contracts for deed, deeds of trust, partial notes, performing and non-performing notes, second lien notes, wraparound mortgages, and seller-financed notes of all types.
How much can I sell my note for?
Most performing first-lien notes sell for 75-95% of the unpaid balance. The exact price depends on interest rate, payment history, equity, property type, and documentation. Non-performing notes sell at a deeper discount based on the property's equity and recovery potential. Get a free quote to find out your note's value.
How long does it take to sell a note?
You receive a cash offer within 24 hours. Once accepted, closing typically takes 21 days. Some transactions close faster depending on documentation readiness.
Can I sell just part of my note?
Yes. A partial note sale lets you sell a portion of your future payments while keeping the rest. This gives you cash now while preserving part of your income stream. We structure partial purchases to fit your needs.