A straightforward way to sell your mortgage note
Mortgage Note Capital is a direct buyer of private mortgage notes, owner-financed notes, and land contracts. Our standard is straightforward: selling a note should be clear, fairly priced, and free of pressure.
Why note holders work with us
- Direct buyer
- Real estate & lending background
- Data-driven valuation
- Transparent pricing
- Experienced lending professionals
- Texas roots, national reach
Who we are
Mortgage Note Capital was created to provide note holders with a transparent, direct alternative when they want to convert future payments into cash today. We are first and foremost a direct buyer — for most notes, you're selling directly to us, so you deal with the actual decision-maker instead of waiting while a middleman shops your note around.
When a note is a better fit with another investor, we can help place it with the right buyer rather than sending you back to square one. Either way, you'll always know who is buying the note and how the price was determined.
Our background is in real estate acquisitions, lending, and valuation, and that shapes how we approach notes. A note holder deserves to understand why a note is worth what it's worth — so we publish a free note value calculator, write plain-English guides and a glossary, and explain the reasoning behind every quote we make.
Who runs Mortgage Note Capital
In note buying, you're trusting people as much as a process. Mortgage Note Capital combines acquisition, valuation, and operational expertise with experienced lending and investment professionals.
Adam Lambert
Operating Partner
Adam leads acquisitions and day-to-day operations, including outreach, underwriting, valuation, and transaction management. His background includes large-scale real estate acquisitions, marketing, analytics, and operational systems. When you contact Mortgage Note Capital, Adam is typically the person you'll speak with about your note.
Our Capital & Investment Team
Mortgage Note Capital works with experienced lending and investment professionals who help guide underwriting standards, capital deployment, and transaction execution. This structure allows us to evaluate opportunities quickly and provide direct liquidity solutions for note holders.
How we value notes
We price notes the way the math actually works: a note is worth the present value of its remaining payments, discounted at a yield that reflects its risk. From there we weigh the interest rate, the payment history (seasoning), the equity behind the note (loan-to-value), the lien position, the property itself, and the foreclosure process in the note's state — because a fast non-judicial state and a slow judicial state produce very different recovery risk. We explain this openly in our how-it-works guide. There are no secret formulas.
What we buy
We purchase a broad range of private paper — residential and commercial mortgage notes, non-performing notes, land contracts, and promissory notes — both performing and in default. We buy nationwide, with particular depth in Texas and the Southeast, where the most owner-financed notes are created.
Our approach
Transparency
We show our math. You can estimate your note’s value yourself with our calculator, and every quote we send explains how we arrived at the number.
Fair pricing
We price notes on real present-value math and the factors that genuinely drive risk — not on lowball tactics. We encourage you to compare our offers.
No pressure
A quote is free and carries no obligation. We’d rather you make an informed decision than a rushed one, even if that means walking away.
We do what we say
A direct buyer with a single point of contact. The person you talk to is the person who gets your deal done.
Want to talk to a real person about your note?
Get a free, no-obligation cash quote. Most note holders hear back within one business day.