Steve Whitlock

Founder of American Equity Funding

Steve Whitlock is the founder of American Equity Funding, a nationwide buyer of owner-financed mortgage notes, land contracts, and seller-financed real estate notes. Since founding the company in 1989, Steve has helped thousands of note holders turn long-term payments into lump-sum cash. With decades of experience in the mortgage note and real estate industry, Steve has built a reputation for straightforward guidance, honest offers, and a deep understanding of owner-financed transactions. He has worked with a wide range of note holders, helping them navigate everything from simple note sales to more complex situations involving land contracts, deeds of trust, and partial note sales. Steve’s approach is simple: provide clear information, fair options, and a process that feels comfortable from start to finish.

Author of The Complete Guide to Owner-Financed Mortgages

Steve is also the author of The Complete Guide to Owner-Financed Mortgages, a practical resource designed to help note holders understand how owner financing works, avoid common mistakes, and make informed decisions about selling all or part of a mortgage note.

The book reflects the same approach Steve brings to his business — clear, honest, and focused on helping people make confident financial decisions.

• Founder of American Equity Funding (established 1989)
• Decades of experience in mortgage notes and real estate
• Worked with thousands of note holders nationwide
• Experience with:
  • Owner-financed mortgage notes
  • Land contracts
  • Deeds of trust
  • Seller-financed real estate notes
  • Partial note sales

“At American Equity Funding, we understand that selling your note is a big decision. Our goal is to make the process simple, transparent, and comfortable from start to finish.”

— Steve Whitlock, Owner

For over 30 years, Steve Whitlock and American Equity Funding have helped individuals and families across the country turn long-term payments into immediate financial flexibility — always with a focus on clarity, trust, and doing what they say they’ll do.