Step 1
Fill Out a Simple Form
Start by filling out our online form or giving us a call. Provide some basic information about the note you wish to sell.
Sell Your Mortgage Note for Cash
Get a free, no-obligation offer in about 48 hours. Close in about 30 days. No appraisal or processing fees.
Free. No obligation. It costs nothing to find out.
Family-owned since 2022
Free quote in about 48 hours
Close in about 30 days
No appraisal or processing fees
Andy and Alicia Hess with their daughters. Family-owned and operated from Danville, CA. Your note is handled directly by Andy and Alicia.
A family business, not a call center
Years ago you sold a property and carried the financing yourself — you became the bank. Now you're collecting monthly payments, and you're wondering whether a lump sum of cash would serve you better.
We're Andy and Alicia Hess. We buy mortgage notes, trust deeds, land contracts, and seller-financed notes. And we look at every one personally. No call center. No junior rep handing you off. Just a straight answer about what your note is worth, and no pressure either way.
There's no cost to find out.
Why note sellers choose us
Expertise and Reliability
We've spent years buying notes, and it shows in how we explain them. We'll walk you through what your note is worth and why, patiently, in plain English, without making you feel like you should already know.
California Roots, Nationwide Reach
We're based in Danville, California, and California is home. It's where most of the notes we buy are written. We also buy notes across the country, so wherever your property sits, we can take a look.
Receive a free quote within 48 hours, no appraisal or processing fees and 30-Day average closing time.
Step 2
Note Evaluation and Offer
Andy and Alicia review the details of your note, including the property type, note size, and payment history, to give you a fair, no-obligation offer.
Step 3
Agreement and Payment
Once you accept the offer, we handle the paperwork and closing, and get you paid. Most closings take about 30 days.
Testimonials
Read what note sellers say about working with Andy and Alpine West.
Ed & Pattie
Bakersfield, CA
★★★★★
When I was looking for an alternative to fulfill a cash flow concern, I looked to find someone to purchase a deed of trust that I was carrying. I had a choice of two different investment companies. Comparable in the purchase process; it came down to who could serve my financial request. Andrew Hess with Alpine West was the company that stood out! He is personable, had clarity with the process, and more importantly to my financial need, the closing was going to be within 30 days. With ongoing step by step process shared with me, I knew what to expect and when it would be happening. If you are looking for a company that reflects honesty, strong customer-centricity, and a timeline that is expedient, Andrew and Alpine is the company to strongly consider.
Richard & Joy
Sacramento, CA
★★★★★
I have had a deed of trust since I sold my house three years ago. The person who bought my house has been very reliable with payments always on time. I have been servicing this note myself. I just turned 91, and did not want my wife to have to deal with the note. I have received letters over the years from investors offering to buy the note. I received one from Andrew Hess at AlpineWest. I called him, and he made what I thought was a generous offer discounting 13.25% of the balance at sale. All expenses of the sale were covered by Andrew, including notary at our residence, and he was very accessible during the time when I was gathering documents.
Scott H.
Orange County, CA
★★★★★
I spoke to a number of firms interested in purchasing my Promissory Note. Alpine West was by far the most professional and knowledgeable with the process. They also gave me a very fair offer to purchase and a quick closing. I would highly recommend them to anyone looking to sell their note.
Sandra B.
Tacoma, Washington
★★★★★
I was very skeptical about selling a note that I inherited from my mother but I needed the money. I was also concerned with what would happen if the property owner stopped paying. I received a letter from Alpine West and decided to call. I spoke with Andrew who was very personable and walked me through the whole process. After speaking with my family we decided to sell our note for a fair price. We closed in less than 30 days and recieved our money right away. The process was very smooth and Andrew was there for all of our familys questions along the way. We would highly recommend Andrew and Alpine West Group if you are looking to sell your note.
Derek H.
Santa Rosa, CA
★★★★★
Working with Alpine West on the sale of my seller carry note was an exceptional experience from start to finish. They were transparent, professional, and made the entire process incredibly smooth. What really stood out was their clear communication — every step was explained in detail, and they followed through exactly as promised.
I had some concerns about selling the note, but Alpine West made me feel confident and well-informed throughout the transaction. Their team was knowledgeable, respectful of my time, and handled everything efficiently. It’s rare to find a company that delivers both integrity and results — and Alpine West did just that.
I wouldn’t hesitate to work with them again or recommend them to anyone considering selling a note. They truly made the process seamless and stress-free.
Tina
Bend, OR
★★★★★
I originally took back a promissory note as part of my retirement plan, thinking steady payments would be a safe, long-term strategy. But after speaking with Andrew at Alpine West, I realized I could cash out the note and reinvest the proceeds into something earning nearly twice the return.
Andrew made the process simple, transparent, and stress-free. He took the time to explain everything without any pressure. I walked away with a stronger financial position and greater peace of mind about my retirement. I only wish I had reached out sooner.
Kristy D.
Napa, CA
★★★★★
I had an exceptional experience working with Andy Hess at Alpine West. When I first received a letter explaining that they purchase notes — something I didn’t even know was possible — I decided to call and learn more. From the very beginning, Andy was knowledgeable, approachable, and incredibly helpful.
This is not a gimmick. In every interaction, Andy was genuine, honest, and patient, taking the time to answer all of our questions and guide us through the process with integrity.
If you’re considering selling your note, I highly recommend Alpine West. They are reliable, trustworthy, and deliver on their promises.
Why is your offer less than my remaining balance?
Because money you receive today is worth more than the same money spread out over the next fifteen years. That's not a sales tactic. It's the reason a lender charges interest in the first place. When we buy your note, we're paying you now for payments that would otherwise arrive slowly, and we're taking on the risk that they might not arrive at all.
Think of it this way. If someone offered you $100,000 today, or $1,000 a month for the next ten years, most people would take the money today, even though the payments add up to $120,000. The cash in hand is worth more, because you can use it now.
Several things affect what we can offer: how much the buyer put down, the interest rate on the note, how long the term runs, how consistently the payments have been made, and the property itself. A note with a strong payment history and a healthy down payment is worth more than one without, and we'll always show you which factors are helping or hurting your number.
Some sellers, once they see the math, decide to hold onto their note. That's a perfectly good decision, and we'll tell you so. Others would rather have the cash now. Either way, you'll understand exactly how we got to the number before you decide anything.
Common questions
Common questions about selling a note
How do I sell a mortgage note?
Send us the basic details of your note: the balance, the payment amount, and the payment history. We'll review it and give you a free, no-obligation offer within about 48 hours. If you accept, we handle the title work and closing, and you typically have your cash in about 30 days.
How much can you sell a mortgage note for?
It depends on the down payment, the interest rate, the length of the term, the payment history, and the property itself. Offers come in below the remaining balance because cash today is worth more than payments spread over years. We'll show you exactly how we arrived at your number.
Who buys mortgage notes?
Private note buyers like Alpine West Notes. We're a family-owned company in Danville, California, and we buy mortgage notes, trust deeds, land contracts, and seller-financed notes, both performing notes and ones where the buyer has fallen behind.
How long does it take to sell a note?
You'll have a free quote in about 48 hours. From there, most closings take about 30 days. We handle the title work, the fees, and the closing costs, and we can arrange for a notary to come to your home if that's easier.
Can I sell only part of my note?
Yes. This is called a partial sale, where you sell some of your future payments for cash now and keep the rest. It's a good fit if you need a specific amount of money but still want income coming in. We'll walk you through both options.
What happens to the person making the payments?
Nothing changes for them. Their payment amount, interest rate, and due date all stay exactly the same. The only difference is where they send the payment. They're in good hands.
See what your note is worth
Free, no obligation, and an answer in about 48 hours. Fill this out, or call Andy directly at (925) 678-6993.
Your information is confidential. We never sell or share your details.
Submitting this form does not obligate you to sell.
Submitting this form does not obligate you to sell.
There's no cost to find out what your note is worth
Send us the details and we'll take a look. Free, with no obligation and no pressure. And if the offer isn't right for you, that's a perfectly good answer.
Free guides: what to know before you sell your note
• How note buyers decide what your note is worth, and what hurts your offer
• The documents you'll need to get a quote
• When selling part of your note makes more sense than selling all of it
• The documents you'll need to get a quote
• When selling part of your note makes more sense than selling all of it
We'll send the guide straight to your inbox. No sales calls.