Deeds of Trust
Sell Your Deed of Trust for Cash
If you hold a Deed of Trust and receive monthly payments from a borrower, you may be able to convert those future payments into a lump sum of cash today. American Equity Funding has been purchasing Deeds of Trust and other seller-financed real estate notes nationwide since 1989.
Whether your Deed of Trust is secured by a residential property, commercial building, vacant land, or investment property, our experienced team can review your note and provide a free, no-obligation quote.
What Is a Deed of Trust?
A Deed of Trust is a legal document used in many states instead of a traditional mortgage. Like a mortgage, it secures a loan with real estate. However, a Deed of Trust typically involves three parties:
- The Borrower (Trustor)
- The Lender (Beneficiary)
- The Trustee
The trustee holds legal title to the property as security until the loan is paid in full. If the borrower defaults, the trustee may have the authority to initiate foreclosure proceedings according to state law.
For note holders, a Deed of Trust creates a stream of future payments that can often be sold for immediate cash.
Why Sell a Deed of Trust?
Many people accept seller financing when they sell real estate because it helps complete the sale and generates monthly income. Over time, however, circumstances change.
Common reasons for selling a Deed of Trust include:
- Retirement planning
- Paying off debt
- Purchasing another property
- Medical expenses
- Business opportunities
- Estate planning
- Reducing investment risk
- Increasing financial flexibility
Selling your Deed of Trust allows you to access cash now instead of waiting years to collect future payments.
Types of Deeds of Trust We Buy
Residential Properties
We purchase Deeds of Trust secured by:
- Single-family homes
- Condominiums
- Townhomes
- Duplexes
- Triplexes
- Fourplexes
- Manufactured homes with land
- Rental properties
Vacant Land and Acreage
- Residential lots
- Rural acreage
- Recreational property
- Hunting land
- Waterfront lots
- Development property
Commercial Real Estate
We purchase Deeds of Trust secured by:
- Office buildings
- Retail centers
- Warehouses
- Apartment buildings
- Mixed-use developments
- Industrial properties
- Commercial land
If your property type is not listed, contact us. We evaluate each transaction individually.
How Much Is My Deed of Trust Worth?
Several factors influence the value of a Deed of Trust, including:
- Remaining loan balance
- Interest rate
- Monthly payment amount
- Borrower’s payment history
- Borrower’s credit profile
- Property value
- Down payment originally received
- Remaining loan term
- Equity in the property
Because every transaction is unique, we provide customized evaluations based on the specific details of your note.
Can I Sell Only Part of My Deed of Trust?
Yes.
Many note holders choose to sell only a portion of their future payments rather than the entire note. A partial note sale allows you to receive cash now while retaining future income after the purchased payment stream has been satisfied.
This can be an attractive option for individuals seeking immediate funds without giving up the entire asset.
States Commonly Using Deeds of Trust
Many states utilize Deeds of Trust instead of traditional mortgages. These commonly include:
- California
- Arizona
- Nevada
- Colorado
- Texas
- Virginia
- North Carolina
- Tennessee
- Alaska
Because state laws vary, our experienced team can help review your documents and explain your options.
Why Choose American Equity Funding?
Since 1989, American Equity Funding has helped note holders nationwide turn future payments into immediate cash.
When you work with us, you’ll benefit from:
- More than 10,000 notes purchased
- Nationwide service
- A+ Better Business Bureau rating
- Experienced note-buying professionals
- Fast closings
- Personalized service
- No-obligation quotes
Our goal is to make the process simple, transparent, and stress-free.
Frequently Asked Questions
What is the difference between a Deed of Trust and a mortgage?
Both secure a real estate loan. The primary difference is that a Deed of Trust involves a trustee who holds legal title as security for the loan.
Can I sell my Deed of Trust?
Yes. Many Deeds of Trust can be sold for a lump sum of cash.
Do you buy Deeds of Trust nationwide?
Yes. We purchase Deeds of Trust throughout the United States.
Can I sell only part of my Deed of Trust?
In many situations, yes. Partial note purchases are available.
How long does the process take?
Many transactions can close within a few weeks, depending on documentation and title requirements.
Is there a cost to receive a quote?
No. Quotes are free and carry no obligation.
Request a Free Deed of Trust Quote
If you receive payments from a Deed of Trust and would like to explore your options, contact American Equity Funding today. Our experienced team will review your note and provide a free, no-obligation quote.
Learn how easy it can be to turn your future payments into cash today.