Usually, a mortgage note is acquired in lieu of the cash desired during a real estate transaction. If retained long enough, many notes will eventually pay off. However, late payments, insurance liabilities, tax problems and foreclosure may soon plague some mortgage note holders. Even when these problems do not arise, many people would really prefer to have their cash now!

We will get you the amount your mortgage is worth up to 100%. Many factors are taken into consideration, i.e. the down payment, the interest rate, payment amount and term. We deal with many investors and can get the best deal for your note.

You will pay no fees. The amount that we quote to you is the amount you will receive.

It will not. All the terms and conditions set forth in the original note and mortgage remain in force. The only change will be to whom and where future payments are sent.

Generally, from two to four weeks. The time consuming part is the collection of the needed documents. Once they are collected, we can move fast to get your money. Payment is made at closing, when all documents have been signed and recorded.

Not necessarily. Our office can close the transaction by sending you a closing package along with easy to follow instructions.

Your payment will be made by certified check from a major financial institution.

Yes. The position of the mortgage is not as important as the "loan-to-value" (LTV) ratio. A second or third should be at least 25% the size of the first. If the LTV is right, we'll buy it.

Yes! We buy balloons, too.

Yes!

Yes, we buy new mortgages. (A seasoned mortgage is one that has been partially paid down, giving a history of how payments have been made.)

Yes.

Yes. In some cases, you may require only a specific amount of cash to make a purchase, handle an emergency, pay off a loan, etc. If you had 200 payments remaining, you could, for example, sell just the next 60 payments for the amount needed. After five years, the payments would revert back to you.

No. Any size is ok if the loan-to-value is favorable.

We treat every client with the respect and fairness that we expect to receive ourselves. We ensure that all parties involved are happy.