A straightforward way to sell your mortgage note

Who we are

Mortgage Note Capital was founded by Adam Lambert to give note holders a transparent, direct alternative when they want to turn future payments into cash today. We are a direct buyer — we purchase and hold the notes we buy rather than acting as a broker who marks them up and re-sells them. That means when you work with us, you're dealing with the actual decision-maker, not a middleman.

Our roots are in real estate and data-driven valuation, and that shows in how we operate. We believe 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.

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.