Turn your mortgage note into a lump sum of cash
If you sold a property with owner financing and now collect monthly payments, Mortgage Note Capital will buy that note — performing or non-performing — for a fair, all-cash price. Transparent process, direct buyer, nationwide.
Get your free note quote
Tell us about your note. No obligation, no cost — we typically respond within one business day.
A note sale built around you
A clear process, a fair price, and a single point of contact from quote to closing.
A direct buyer first
We buy notes directly, so you deal with the actual decision-maker — not a queue. And when a note is a better fit with another investor, we can place it for you rather than sending you back to square one.
Transparent valuation
We show our math. Use the note value calculator for an instant estimate, then get a firm quote that explains exactly how we priced your note.
Performing or non-performing
Current or in default, first lien or second, we’ll look at it. A behind-on-payments note doesn’t scare us off.
Nationwide, with Southeast depth
We buy across all 50 states, with particular strength in Texas and the Southeast where the most owner-financed notes are created.
From quote to cash in four steps
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Tell us about your note
Send the property address, unpaid balance, rate, payment, and status. Free, and it takes only a few minutes.
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Get your free quote
We review and respond — usually within one business day — with a clear cash offer and an explanation of how we valued it.
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We do the diligence
We verify the payment history, order title and a property valuation, and review the note documents.
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Close and get cash
Sign, record the assignment, and receive funds through a title company or attorney — typically 14–30 days.
We buy every kind of private mortgage note
Commercial Mortgage Notes
We buy seller-financed commercial mortgage notes and deeds of trust secured by retail, office, industrial, mixed-use, and larger multifamily property.
Learn more →Land Contracts
We buy land contracts and contracts for deed — owner-financed installment sales where the seller keeps title until the buyer pays in full. Get a cash quote.
Learn more →Non-Performing Notes
Behind on payments or in default? We buy non-performing mortgage notes (NPNs) for cash, valuing them on the property and recovery — not a payment stream.
Learn more →Promissory Notes
We buy real estate promissory notes secured by property. Learn what makes a promissory note valuable and how to turn yours into a lump sum of cash.
Learn more →Residential Mortgage Notes
We buy performing and non-performing residential mortgage notes — owner-financed first liens on single-family homes, condos, and small multifamily.
Learn more →
Mortgage note FAQ
What is a mortgage note, and do I have one?
If you sold a property and financed the buyer yourself — owner financing or seller financing — and you now collect monthly payments, you hold a mortgage note. It’s the borrower’s written promise to repay, secured by the property. That note can be sold for a lump sum of cash.
How fast can I get cash for my note?
We typically provide a quote within one business day, and most note purchases close in about 14 to 30 days once we have your documents and clear title. A complete, organized file is the biggest factor in a quick closing.
Will selling cost me anything?
Getting a quote is always free and carries no obligation. Any costs associated with closing are disclosed clearly in your offer, so there are no surprises. You decide whether to proceed.
Do you buy non-performing notes?
Yes. We buy both performing and non-performing notes. If your borrower has stopped paying, we value the note on the property and the recovery rather than on the payment stream, and we take on the workout when we buy it.
Ready to find out what your note is worth?
Get a free, no-obligation cash quote. Most note holders hear back within one business day.