Frequently Asked Questions

More sellers are choosing owner financing and accepting payments directly from buyers. Here's why:

• Faster sale: attract more buyers and speed up the process
• Steady monthly income: consistent cash flow from the note
• Fewer bank hassles: skip the fees, delays, and strict underwriting
• A bigger buyer pool: reach buyers who may not qualify for a traditional loan
• Easier to sell tough properties: makes hard-to-finance homes move

Circumstances change, and many sellers prefer cash today over waiting on monthly payments. Common reasons include medical expenses, retirement, taxes, a borrower who's fallen behind, an inherited note someone would rather not manage, or simply wanting to simplify things. Whatever your reason, there's no pressure and no obligation to sell.

A note appraisal, also known as a note analysis or quote, determines the current market value of your future payments, similar to how a real estate appraisal evaluates property value. It shows the cash value of your note today.

We recommend having your note evaluated annually, as market conditions can affect pricing.

Many factors affecting your note’s value were set when the property was sold, but you can still increase its worth by keeping detailed records and copies of all payments received, obtaining an annual copy of the buyer’s property insurance policy, and verifying property taxes are paid on time.

We can purchase all or part of your remaining note payments. Selling a portion allows you to get a lump sum of cash now and then receive payments again when the note reverts back to you. We can even offer cash for part of each monthly payment.

Many people choose to sell just enough payments to meet their current cash needs while keeping some future payments as an investment or nest egg.

The value of a note depends on several key factors, including the down payment, interest rate, payment amount, term, and the buyer’s credit rating and payment history. The type, condition, and value of the property also play a significant role.The time value of money is also important. Payments due now are more valuable than payments due many years in the future.

The payer’s payment structure remains exactly the same. The only difference will be the new address to which payments are sent.

The first step is to get a quote by filling out our online form or calling us at (925) 678-6993. We will need copies of documents related to your transaction, including the note and mortgage/deed of trust/contract, plus payment history and current balance.

After reviewing the documents, we provide an offer subject to standard title, appraisal, and buyer’s credit review. Once under contract, you receive your cash as soon as documentation is processed, typically within 10-15 working days. You can generally expect a full close from start to finish in about 30 days.

The purchase price is paid in guaranteed funds, either by cashier’s check or wire transfer, upon receipt of the final transfer package and original documents.

For convenience and security, funds can be wired directly to the title company so you can exchange your original documents for the proceeds safely and securely.

We're a family-owned business, and Andy and Alicia handle every note personally — no call center, no junior rep. We'll explain how we arrived at your offer, put everything in writing, and give you a fair answer with no pressure either way. If selling isn't right for you, we'll tell you that too.

Contact us to get started.