Mortgage Note Buyers
Sell your mortgage note and get an immediate lump-sum payout.
What We Offer
What Is a Mortgage Note & How Can You Sell It?
A mortgage note is a legal document that represents a borrower’s promise to repay a loan used to purchase real estate. When you seller-finance a property — meaning you act as the lender and receive monthly payments from the buyer instead of receiving the full purchase price upfront — you hold what is called a private mortgage note.
While receiving monthly mortgage payments can provide a steady income stream, many note holders eventually find themselves wanting access to a larger lump sum of cash rather than waiting years or decades for the full balance to be paid off. Whether you want to invest in another property, cover unexpected expenses, or simply prefer the security of having cash in hand, selling your mortgage note is an effective solution.
First Capital Legal Funding purchases performing private mortgage notes, providing you with an immediate lump-sum cash payment in exchange for the future monthly payments you’re currently receiving. Our process is fast, transparent, and competitive — designed to get you the best possible offer for your note.
Simple Process
How Mortgage Note Purchasing Works
Submit Your Note Information
Complete our free application with details about your mortgage note including the property address, remaining balance, interest rate, payment history, and borrower information.
We Evaluate & Make an Offer
Our specialists evaluate your note based on the property value, borrower payment history, remaining term, and interest rate. We present a competitive cash offer within 48 hours.
Close & Receive Your Funds
Once you accept our offer, we handle all the paperwork and closing process. Funds are typically disbursed within 2–4 weeks of accepting our offer.
Eligibility
Does Your Mortgage Note Qualify?
Not all mortgage notes are the same. Here’s what we look for when evaluating a note for purchase.
Full vs. Partial Purchase
You don’t have to sell your entire mortgage note. We also offer partial purchases — selling just a specific number of future payments while retaining the remainder of the note. This gives you immediate cash while maintaining long-term income.
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Why Choose Us
Why Sell Your Mortgage Note With First Capital
Expert Note Buyers
Our team has decades of experience purchasing mortgage notes. You’re working with professionals who know the note process.
Eliminate Default Risk
Selling your note eliminates the risk of borrower default, late payments, and the hassle of collections or foreclosure.
Fast Closing
Once you accept our offer, we handle all the closing paperwork and fund you within 2–4 weeks.
Full or Partial Purchase
Sell all or just a portion of your remaining payments — whatever best fits your financial situation.
Competitive Offers
We evaluate every note individually and offer competitive, market-rate pricing with complete transparency.
Immediate Lump Sum
Stop waiting for monthly checks. Get the full value of your note as a single cash payment deposited directly to you.
Common Questions
Mortgage Note FAQs
Here are the most common questions we hear about mortgage note purchasing. For more answers visit our full FAQ page.
Can I sell just part of my mortgage note?
Yes. We offer partial note purchases where we buy a specific number of future payments while you retain the remainder of the note. This gives you immediate cash while maintaining your long-term income stream.
What if my borrower has missed payments?
We primarily purchase performing notes where the borrower is current on payments. Non-performing notes are evaluated on a case-by-case basis. Contact us to discuss your specific situation.
How is the purchase price determined?
The purchase price is based on several factors including the remaining balance, interest rate, remaining term, borrower payment history, property value, and current market conditions. We provide a detailed breakdown with every offer.
Do I need to notify my borrower?
Yes. When a mortgage note is sold, the borrower must be notified that their payments should be directed to the new note holder. We handle all notification requirements as part of the closing process.
Ready to Get Started?
Ready to Turn Your
Mortgage Note Into Cash?
Get a free, no-obligation offer on your mortgage note today. Our specialists are standing by to evaluate your note and provide a competitive cash offer.