About American Equity Funding
At American Equity Funding, we help individuals, families, and businesses turn owner-financed mortgage notes into cash. Since 1989, we have specialized in purchasing owner-financed notes, land contracts, trust deeds, and seller-financed mortgages nationwide.
If you are receiving monthly payments on an owner-financed mortgage note, you may not have to wait years to access your money. American Equity Funding can help you sell all or part of your note and receive a lump sum of cash now.
Whether you want to pay off debt, invest in a new opportunity, purchase property, help family members, or simply enjoy greater peace of mind, our team is here to make the process easy, transparent, and stress-free.
Our Mission
Our mission is simple: put our customers first.
At American Equity Funding, we believe selling a mortgage note should not be confusing or overwhelming. We are committed to providing a straightforward, honest process with personalized service every step of the way.
We take the time to understand your goals, answer your questions, and explain your options so you can make the best decision for your financial future.
Our Story
Steve Whitlock founded American Equity Funding in 1989 with the goal of helping note holders unlock the value of their owner-financed mortgage notes.
Over the past 30+ years, we have purchased thousands of notes across the country and built a reputation for honesty, experience, and exceptional customer service.
We understand that many people who hold owner-financed notes need access to cash sooner rather than later. Waiting 10, 15, or 20 years for monthly payments is not always practical. That is why we provide a way to turn future payments into cash today.
What Is an Owner-Financed Mortgage Note?
An owner-financed mortgage note is created when a property seller finances the purchase for the buyer instead of the buyer using a traditional bank loan.
In these situations, the seller receives monthly payments over time. While these payments can provide steady income, many note holders eventually decide they would rather receive a lump sum of cash now.
Common reasons people sell their owner-financed mortgage notes include:
- Paying off debt
- Purchasing another property
- Investing in a business or new opportunity
- Helping children or family members
- Covering medical expenses or retirement costs
- Reducing financial stress
- Simplifying their finances
What Makes American Equity Funding Different?
Unlike banks and traditional lenders, American Equity Funding focuses specifically on buying owner-financed mortgage notes.
That means we understand:
- Seller-financed real estate transactions
- Private mortgage notes
- Land contracts
- Trust deeds
- Balloon payments
- Partial note purchases
- Structured note sales
Because this is our specialty, we are able to provide competitive offers, quick closings, and a smooth process from beginning to end.
We know that every mortgage note is different. That is why we take the time to understand your specific note, your financial goals, and the best solution for your situation.
Why Choose American Equity Funding?
Over 30 Years of Experience
Since 1989, we have been helping note holders across the country sell their owner-financed mortgage notes quickly and confidently.
Fast and Transparent Process
We believe in clear communication and no surprises. Our team walks you through every step so you know exactly what to expect.
Competitive, No-Obligation Offers
We provide fair offers based on the value of your note, with no pressure and no obligation.
Nationwide Service
We purchase owner-financed mortgage notes across the United States.
We Pay Closing Costs
In most cases, we cover the closing costs, making the process even easier for you.
Personalized Service
We are a relationship-focused company that believes every customer deserves personal attention, respect, and honest answers.
Frequently Asked Questions About Selling a Mortgage Note
Can I sell only part of my owner-financed mortgage note?
Yes. In many cases, you can sell all of your note or only a portion of your future payments.
How long does it take to sell a mortgage note?
Every transaction is different, but many note sales can close in just a few weeks.
Do I need to sell my entire note?
No. Many people choose to sell only part of their note and continue receiving some future payments.
What types of notes do you buy?
We buy owner-financed mortgage notes, land contracts, trust deeds, real estate notes, seller-financed notes, and other types of private notes.
How do I get started?
Simply contact American Equity Funding for a free, no-obligation quote. We will review your note, explain your options, and help you decide what works best for your situation.
Our Commitment to You
At American Equity Funding, we understand that selling an owner-financed mortgage note is a major financial decision.
Our commitment is to make the process simple, transparent, and beneficial for you. We are here to answer your questions, explain your options, and help you move forward with confidence.
When you work with American Equity Funding, you are not just another transaction. You are a valued customer, and we are committed to helping you reach your financial goals.
Contact American Equity Funding Today
If you are wondering, “How do I sell my owner-financed mortgage note?” or “How can I turn my mortgage note into cash?” we are here to help.
Contact American Equity Funding today for a free, no-obligation consultation and find out how much your note may be worth.