Real Estate Notes
Sell Your Real Estate Note for Cash
If you receive payments from a real estate note, you may be able to convert those future payments into a lump sum of cash today. American Equity Funding has been purchasing real estate notes nationwide since 1989, helping note holders access immediate cash while simplifying their financial lives.
Whether your note is secured by a home, land, commercial property, or investment real estate, our experienced team can evaluate your note and provide a free, no-obligation quote.
For more than three decades, we have helped individuals, investors, and property sellers turn future payments into cash when they need it most.
What Is a Real Estate Note?
A real estate note is a financial asset created when a property seller finances the sale of real estate instead of requiring the buyer to obtain traditional bank financing.
The buyer agrees to make monthly payments over time, while the seller receives principal and interest payments according to the terms of the agreement.
Real estate notes may be secured by:
- Residential property
- Vacant land
- Commercial property
- Investment property
- Agricultural land
- Multi-family property
These payment streams often represent valuable assets that can be sold for a lump sum of cash.
Types of Real Estate Notes We Buy
American Equity Funding purchases many types of real estate notes throughout the United States.
Mortgage Notes
Mortgage notes are among the most common forms of seller financing. We purchase notes secured by residential, investment, and commercial properties.
Land Contracts
Land contracts allow buyers to make payments directly to sellers while the seller retains legal title until the agreement is paid in full.
Contracts for Deed
Contracts for Deed are common seller-financing arrangements that create payment streams that may qualify for purchase.
Deeds of Trust
Many states use Deeds of Trust instead of traditional mortgages. We regularly purchase Deeds of Trust secured by a variety of property types.
Commercial Notes
We purchase commercial notes secured by office buildings, retail centers, warehouses, apartment complexes, industrial properties, and commercial land.
Partial Note Sales
Many note holders choose to sell only a portion of their future payments while retaining future income from the remaining note.
Why Sell a Real Estate Note?
There are many reasons note holders decide to sell.
Common reasons include:
- Retirement planning
- Paying off debt
- Purchasing another property
- Business opportunities
- Medical expenses
- Estate planning
- Investment diversification
- Family financial needs
Selling a real estate note can provide immediate liquidity and eliminate the uncertainty associated with future payments.
How Much Is My Real Estate Note Worth?
Several factors influence the value of a real estate note.
These include:
- Remaining balance
- Interest rate
- Monthly payment amount
- Buyer’s payment history
- Buyer’s credit profile
- Property value
- Equity position
- Down payment originally received
- Remaining term of the note
Every note is unique, which is why American Equity Funding provides personalized evaluations based on the details of each transaction.
Performing and Non-Performing Real Estate Notes
Performing Notes
A performing note is one where the borrower is making payments according to the terms of the agreement.
Performing notes generally receive the strongest offers because they demonstrate a history of reliable payments.
Non-Performing Notes
A non-performing note involves missed or late payments.
American Equity Funding reviews both performing and non-performing real estate notes and can discuss available options for each situation.
Why Choose American Equity Funding?
Since 1989, American Equity Funding has helped note holders nationwide convert 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
We are committed to providing honest information, responsive communication, and a smooth transaction experience.
Frequently Asked Questions
What is a real estate note?
A real estate note is a financial agreement that creates future payments secured by real property.
Can I sell my real estate note?
Yes. Many real estate notes can be sold for a lump sum of cash.
Do you buy notes nationwide?
Yes. We purchase real estate notes throughout the United States.
Do you buy performing and non-performing notes?
Yes. We review both types of notes.
Can I sell only part of my note?
In many cases, yes. Partial note sales are available.
How long does the process take?
Many transactions 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 Real Estate Note Quote
If you receive payments from a real estate note 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. Discover how easy it can be to convert future payments into cash and move forward with your financial goals.