Frequently Asked Questions

The average mortgage note and business note will sell between sixty-five cents ($0.65) on the dollar to eighty-five cents ($0.85) on the dollar. Above average mortgage notes and business notes (considered to be A+ paper) will sell between eighty-six cents ($0.86) on the dollar to ninety-five cents ($0.95) on the dollar. All offers are a percentage of the current remaining, unpaid principal balance of the loan the time it is contracted or sold. See our real transaction case studies for examples of what we have paid.

Pricing is determined via 3 main foundational characteristics. They are:

1. Loan terms (rate, pay-back period, balloon payments, clean records, etc.)
2. The borrower's ability to pay said loan to the note holder
3. The collateral securing the loan (property, business, etc.)

The note buyer will need to perform diligence while processing the purchase of a note. The diligence process will include, but not be limited to: a drive-by property appraisal, review of the payment history, ordering and review of a title report pertaining to the property securing the note.

Yes. Amerinote Xchange offers partial purchase options, allowing you to sell a portion of your remaining payments rather than the entire note. This lets you access a lump sum of cash now while continuing to receive some future payments. Partial purchases are a great option if you only need a specific amount of money and want to maintain a long-term income stream from your note.

Yes. The borrower's credit score is one of the most significant factors in determining your note's value. A borrower with strong credit (typically 680+) represents lower risk to the buyer, which translates directly into a higher offer price for you. Other borrower factors like payment history, debt-to-income ratio, and length of time making on-time payments also play a role in the final valuation.

The average residential mortgage note purchase will take between 15-23 business days. The average commercial note purchase will take between 20-27 business days. The average business note purchase will take 10-15 business days. All time frames mentioned above are assuming nothing unusual surfaces during the process.

This varies between note buyers within this industry. As far as Amerinote Xchange is concerned, all costs and fees associated with the sale of a note are paid for by us, the note buyer. In other words, selling real estate notes will not cost you a penny out of pocket.

To sell your mortgage note, you will typically need the following documents:

• The original promissory note (or a copy)
• The recorded deed of trust or mortgage
• A current payment history showing all payments received
• Basic property information such as the address and property type

If you are missing any documents, our team can often help you locate or reconstruct them as part of the due diligence process.

A lawyer is not required to sell your mortgage note. Amerinote Xchange handles the entire transaction through licensed title companies and escrow agents who ensure all documents are properly prepared and recorded. That said, you are always welcome to have your own attorney review the transaction if it gives you added peace of mind.

Always. We have not now nor ever engaged in selling information of our note sellers for profit. The few employees that we have were put through many rigorous background and criminal checks to ensure the safety and security of the people we service. If a note buyer or note broker cannot guarantee confidentiality, do not arrange a deal with them.

We hope you got your questions answered. Please, feel free to contact us for any questions you may have.

Your personal and financial information is protected using encrypted communication systems and secure document handling procedures throughout the entire transaction. We are happy to provide a non-disclosure agreement (NDA) upon request. Our team follows strict confidentiality protocols, and access to your data is limited to only those directly involved in your transaction.

Yes, the borrower will be notified of the change in note ownership through a formal introduction letter. This is a standard part of the process and is required by law. However, nothing changes for the borrower — their loan terms, interest rate, and payment amount all remain exactly the same. The only difference is where they send their monthly payments.

Getting started is simple. Request a free quote by providing basic information about your note — including the unpaid balance, interest rate, remaining term, and property type. Our team will review the details and provide you with a no-obligation cash offer, typically within 24 to 48 hours.

No, requesting a quote is completely free and comes with zero obligation. We provide you with a cash offer based on your note details, and you are under no pressure to accept. There are no hidden fees, no commitments, and no strings attached. You can take as much time as you need to make your decision.

Amerinote Xchange purchases a wide variety of seller-financed notes including residential mortgage notes, commercial mortgage notes, land contracts, deeds of trust, and business notes. We buy notes secured by single-family homes, multi-family properties, commercial buildings, and vacant land.

Visit our What We Buy page for a complete list of note types we purchase.