America's Best Note Buyer

Tips on Creating A Real Estate Note

Best tips for creating your Real Estate Note

How To Sell My Promissory Note

Definition of a promissory note and why you might want to sell it.

The Steps in Selling a Note

The Ultimate Note Seller's Guide

What is a Note Buyer?

A notebuyer is, quite simply, a person who purchases one of a number of types of securities. A nationalmortgagenotebuyeresorts to buying mortgages in every state where the security (collateraal) for the loan is some kind of real estate like a home or a commercial building. Often times, these buyers are referred to as real estate investors or real estate lenders. A businessnotebuyerdeals with loans where the main collaterail is a business, and very little if any real estate is used.

A private note buyer may also look for mortgages where the properties are in good condition and the new owners are likely to pay their loan obligations on time.

Why Sell To A Note Buyer

Many sellers of houses, apartments, and business properties take advantage of the fact that they do not have to pay interest on the mortgage until the loan matures. They also get to enjoy the equity built up in the house or apartment without having to make monthly payment. 

Of course, if the seller does not own the home outright, then he must find someone else to buy the home. In order to obtain funding for the purchase, the lender requires a down payment, so the seller must come up with enough funds to cover the difference between what the seller owes on the house and what the bank actually wants to lend him. 

A good private lender will tell you how much they’re charging for their services, and will let you know if there are any additional fees before you agree to purchase the loan. They may also offer various pricing options, including buying all of the notes at once or purchasing just some of them

What Makes A Good Note Buyer?

If you don’t enjoy the products or services of restaurants, dry cleaners, or landscapers, you can easily find another business that offers them at a lower price. Most people never buy more than one realty investment property in their life, so it is important that you choose the best realty investor. This means finding someone who has experience buying notes and investing in properties.

If you’re going to sell a mortgage, business loan, or any type of loan, here are some things you need to know before finding a private lender.

  1. Make sure to ask them if they’ve been working full time in the mortgage industry for at least 5 years. If not, then they probably don’t have enough experience and expertise to help you sell notes.
  2. Make sure that the business has good reviews from the Better Business Bureau, the search engines, and any relevant sites.
  3. Look at whether the company or individual is licensed as a realtor in at least one of the states where they buy mortgages. If they’re not licensed, then they may be less knowledgeable about the industry and could sell you a bad deal.
  4. You need to be able to tell if the person you’re speaking with knows what they’re doing when answering your questions and if they seem to care about providing good customer service.
Luckily, Seascape Capital meets all of these requirements, as it has been operating for over 20+ year and consistently receives excellent ratings from the BBB and Google.

What Our Clients Say?​

How a Note Buyer Values A Note


A nationwide lender will offer its highest loan amounts for owner-occupied houses or buildings, if the borrower has good credit, if the property has at least 10% equity, if all payments have been made on time, if the current rate is above the national average, and if the loan length is less than twenty years (or so). It also cares about the business’ history, its age, and whether it’s profitable.

There are several factors involved in valuing notes, including their objective and subjective values, but there are some key elements that are common across most note buyers.

  • What type and quality of collateral (property or assets) you need for any loan
  • Down Payments: The amount of equity you pay upfront for an apartment. Monthly payments: The amount of rent you pay each month. Increase in Value: Increases in value of the property due to renovations or improvements.
  • Paying off a loan early may result in a lower interest rate and/or better terms
  • These terms, including the interest rates and the lengths of the notes, affect the calculations for determining prices.

Should I Keep or Sell MyMortgage Note?


A mortgage differs from a loan in several ways. First, a mortgage usually refers to a type of loan where the property serves as collateral for the loan. Second, a mortgage usually has a fixed term (e.g., 30 years) and interest rate (usually at least 5% above prime). Third, a mortgage requires monthly payments to be made by the borrower. Fourth, if the borrower fails to pay back the principal plus interest, the lender may take possession of the property. Fifth, a mortgage allows the lender to seize the property if the borrower defaults. Finally, a mortgage is backed by the government in most cases.

Commercial real estate loans carry a greater risk than conventional mortgages because they involve larger amounts of money. Consequently, borrowers must expect to repay more money than when they took out a similar loan from a traditional lender.

What Is A Business Note?

Business notes share some similarities with mortgages but differ significantly in how they’re treated under law. For example, a business owner who defaults on his loan would lose ownership of his business, whereas a homeowner could simply walk away from his home without losing any equity. In addition, a business lender typically does not have the same recourse against a borrower as a homeowner would.

Because of the higher risks associated with buying a commercial real estate loan, the interest rates for these loans may be higher than they would be for a residential mortgage. As a result, the borrower will pay back less money than if he had taken out a similar mortgage at a bank.

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