Nationwide Real Estate Note BrokerageA Service of Homedough Helpers LLC

Nationwide Real Estate Note Brokerage

Convert Future Mortgage Payments Into a Lump-Sum Sale

We help holders of real estate notes explore full or partial sale options. As a brokerage under Homedough Helpers LLC, we connect you with buyers nationwide. Evaluation is free and carries no obligation — any offer depends on buyer review and qualification.

Get My Note Evaluated Call 877-401-5729

100% Free Review

No Obligation

Confidential

All 50 States

Free Note Evaluation

Initial review in 24–72 business hours

Submit Basic TermsRemaining balance, monthly payment, interest rate, and property address.

Multi-Option StructuringExplore full buyout or partial sale options based on your cash needs.

Licensed Escrow ClosingTransactions close through a qualified title company with direct wire payout.

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Secure confidential review

Educational Video

Learn About Selling Your Real Estate Note

Watch how our nationwide brokerage structures performing, non-performing, and partial buyouts for private note holders.

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Valuation Criteria

Find Out What Your Note May Be Worth

Real estate note pricing is not determined by automated formula sliders or generic multipliers. Pricing depends on payment history, unpaid balance, interest rate, remaining term, property value, lien position, documentation, and buyer requirements.

1. Payment History

Consistent payment seasoning (typically 12+ months) commands premier secondary market pricing.

2. Unpaid Balance (UPB)

The remaining principal amount currently owed by the borrower on the promissory note.

3. Note Interest Rate

The stated interest rate compared against prevailing investor yield benchmarks.

4. Remaining Loan Term

Number of months until maturity, full amortization schedule, or balloon payment due date.

5. Underlying Property Value

Current market value establishing protective equity (Loan-to-Value or Investment-to-Value).

6. Lien Priority & Position

First mortgages/trust deeds carry the lowest default risk; junior liens are reviewed individually.

7. Documentation Integrity

Properly recorded security instruments, valid endorsements, title policy, and active hazard insurance.

8. Buyer Requirements

Specific institutional mandates, private capital criteria, and geographic asset preferences.

Request Your Free, Individual Note Evaluation

No generic automated formulas. Our specialists analyze your specific note documents and match you with qualified buyers.

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Brokerage & Intermediary Disclosure: Sell Your Real Estate Notes operates as an independent note brokerage under Homedough Helpers LLC, connecting note sellers with institutional funds, private buyers, and capital partners across the United States.

Learn About Our Model

Comprehensive Portfolio Coverage

Types of Real Estate Notes We Evaluate

Whether your borrower is perfectly current, behind on payments, or you only want to sell a portion of your income stream, we structure individual solutions for your goals.

Performing Mortgage Notes

Borrower pays consistently on schedule. These receive the strongest valuations because buyers are acquiring an uninterrupted, reliable cash flow stream.

Learn about performing notes →

Non-Performing & Delinquent Notes

Borrower is 30, 60, 90+ days late or in default. Specialized buyers evaluate property equity and workout potential so you can exit without foreclosure headaches.

Non-performing pricing guide →

Partial Note Sales

Sell an agreed portion of future payments for cash now. Your rights to the remaining payments depend on the purchase agreement.

How partial sales work →

Owner-Financed & Seller Carrybacks

Created when you sold a home, parcel of land, or commercial building and carried the financing for the purchaser.

What is a real estate note? →

Deeds of Trust & Land Contracts

Trust deeds, contracts for deed, and land installment agreements secured across all 50 states under state-specific conveyancing laws.

Selling process step-by-step →

Balloon Payment Notes

Notes with a looming lump-sum maturity date. We help structure buyouts before maturity to avoid borrower refinancing failures.

Factors determining note value →

Transparent & Simple

How the Note Evaluation & Sale Process Works

We guide you every step of the way without pressure, upfront fees, or hidden costs.

Initial Snapshot Review

Submit basic note information through the evaluation form, by phone (877-401-5729), or with our 24/7 AI Note Specialist. Every path feeds the same review, so start wherever's easiest.

Financial Evaluation

Our specialists calculate unpaid balance, seasoning, LTV ratio, and current market demand within 24–72 business hours.

Buyer Alignment

We present buyout structures (full or partial sale) matched to institutional and private buyers. Any offer is subject to buyer review and qualification.

Licensed Title Closing

A licensed title company coordinates the assignment of mortgage/deed and wires your cash funds directly to your account.

Seller Benefits

Why Private Note Holders Choose to Cash Out

Collecting monthly payments can feel like a great passive income strategy until borrower delays, property tax issues, uninsured casualties, or unexpected liquidity needs arise.

Immediate Capital Deployment: Reinvest into higher-yield assets, pay off high-interest debt, or seize time-sensitive opportunities.
Reduce Default Exposure: Selling can transfer much of the borrower credit, delinquency, and foreclosure risk to the purchasing investor. Greater protective equity may reduce risk, but recovery depends on property value, liens, costs, and the transaction — and the extent of the transfer depends on the sale structure (full or partial) and the transaction documents.
Simplified Estate Planning: Promissory notes can be cumbersome to distribute among multiple heirs. Lump sum proceeds are clean and liquid.
End Payment Servicing Headaches: No more monitoring property tax payments, hazard insurance renewals, or chasing late monthly checks.

Planning another business or investment-property purchase? Explore funding options through Homedough Private Capital Solutions. A note sale does not guarantee financing approval.

Read the Complete Seller Guide

How Much Is Your Note Worth?

Because real estate notes trade in a private secondary mortgage market, pricing is determined by 5 primary factors rather than arbitrary book values.

1. Payment History (Seasoning)12+ Mo. Best

2. Loan-to-Value (LTV)Protective Equity

3. Note Interest RateYield Factor

4. Borrower Credit & CapacityStability Score

5. Documentation IntegrityRecorded Security

Request My Note Evaluation View Valuation Details

Frequently Asked Questions

Common Questions About Selling Notes

Does the borrower need to consent to the sale?

As the legal owner of the promissory note and security instrument, you generally have the right to sell or assign your note without the borrower's consent. The borrower's interest rate, payment amount, and loan term do not change. Whether the borrower must be notified — and how — depends on your note documents, the security instrument, and applicable state requirements.

Will the borrower be notified, and do payments change hands?

After a sale, payments are typically sent to a new servicer or the purchasing buyer rather than you. Required transfer or servicing notices are governed by your transaction agreement and applicable requirements; we walk you through what your specific documents call for during the evaluation.

What is the difference between a full sale and a partial sale?

A full sale transfers 100% of the remaining loan balance and all future payments to the buyer for a maximum lump sum. A partial note sale sells only a specific number of payments (e.g., the next 60 months) for immediate cash. What happens to the remaining payments afterward — including whether ownership reverts to you — is defined by the terms of your partial purchase agreement, so review those terms carefully.

Can I sell a note if the borrower is behind on payments?

Yes. Non-performing notes are traded actively. Investors evaluate the underlying property value, protective equity, and potential loan workout or foreclosure options. While non-performing notes carry deeper discounts, they provide a fast exit for sellers unwilling to initiate foreclosure litigation.

Are there any upfront fees or obligations?

There are no upfront evaluation fees and no obligation to accept any proposed pricing. Any closing costs or title fees are addressed in your purchase terms; review those terms before agreeing.

What documents do I need to begin?

To start, you only need basic loan terms (balance, monthly payment, rate, and address). For full due diligence and closing, you will need a copy of the Promissory Note, recorded Deed of Trust or Mortgage, payment history, and proof of hazard insurance.

Helpful Note Seller Guides

Explore Topics That Affect Your Sale

How to Sell a Real Estate Note

The complete step-by-step roadmap from gathering loan terms to closing.

Read guide

Documents Needed to Sell a Note

The exact checklist buyers need for due diligence and closing.

Read guide

Full vs. Partial Note Sale

Compare selling your whole note or just part of it.

Read guide

View All Note Seller Guides

Know Someone Collecting Mortgage Payments?

Share a free, no-obligation note evaluation with someone receiving payments from a property they sold.

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Nationwide Note Brokerage

Find Out What Your Real Estate Note May Be Worth

Free, confidential, and obligation-free. Explore both full and partial buyout options from buyers across the United States, subject to buyer review and qualification.

Get My Note Evaluated Call 877-401-5729