Compare mortgage note buyers
There are dozens of companies that buy mortgage notes, and they are not all alike — some buy only performing first liens, some only commercial paper, some are brokers rather than direct buyers. These straightforward comparisons lay out the facts so you can decide where your note fits best.
Selling to a Direct Note Buyer vs a Broker
When you sell a mortgage note, you can sell to a direct buyer who purchases it for their own book, or work with a broker who shops your note to investors and earns a spread. Both can get your note sold — but the economics and the experience differ. Here's an honest comparison.
Read the comparison →Full vs Partial Note Sale
When you sell a mortgage note, you don't have to sell the whole thing. A full sale converts the entire note to cash; a partial sale sells only a slice of the future payments. Each has real advantages. Here's an honest comparison to help you choose the structure that fits your goals.
Read the comparison →Mortgage Note Capital vs American Equity Funding
American Equity Funding is a veteran direct buyer with more than 30 years in the business and a reported 10,000+ notes purchased, concentrating on owner-financed, performing paper. Here's an honest comparison for a note holder weighing a long-tenured specialist against a transparent, modern buyer.
Read the comparison →Mortgage Note Capital vs American Funding Group
American Funding Group (buymortgage.com) has been buying seller-financed mortgages, land contracts, and business notes since 1989, with a footprint across Texas, Florida, and Michigan. Here's an honest comparison for a note holder choosing between a long-tenured buyer and a transparent, modern one.
Read the comparison →Mortgage Note Capital vs Amerinote Xchange
Amerinote Xchange is one of the most established names in note buying, with a broad appetite spanning performing and non-performing paper, first and second liens, and bulk portfolios. Here's an honest look at how we compare for an individual note holder deciding where to sell.
Read the comparison →Mortgage Note Capital vs Annuity.org
Annuity.org ranks highly for searches like "sell my mortgage note," but it isn't a note buyer — it's a lead-generation and matching site that connects you with third parties. Knowing the difference is essential before you hand over your information. Here's an honest comparison.
Read the comparison →Mortgage Note Capital vs Cascade Funding
Cascade Funding buys illiquid real estate notes for a lump sum as a true end-investor, buying nationwide. Here's an honest, side-by-side comparison for a note holder deciding where to sell.
Read the comparison →Mortgage Note Capital vs Colonial Funding Group
Colonial Funding Group is one of the most influential names in the note industry — founded by Eddie Speed, the same figure behind the NoteSchool education brand, and reporting more than $500 million in notes traded. It buys, trades, and brokers paper. Here's an honest comparison for an individual note holder.
Read the comparison →Mortgage Note Capital vs Debexpert
Debexpert is an auction-based marketplace for notes and a broad range of debt, with dedicated Texas landing pages. Like any marketplace, it's a fundamentally different model from a direct buyer. Here's an honest comparison so you can pick the right path for your note.
Read the comparison →Mortgage Note Capital vs DiCaro & Associates
DiCaro & Associates is a direct buyer of mortgages, trust deeds, land contracts, and seller-financed notes, with a reported purchase range of roughly $20K–$5M and a fast ~14-day timeline. Here's an honest, side-by-side comparison for a note holder deciding where to sell.
Read the comparison →Mortgage Note Capital vs First National Acceptance
First National Acceptance Company (FNAC) is one of the oldest and largest direct note buyers in the country — a bank subsidiary that has been buying seller-financed notes since 1974. Here's an honest comparison for a note holder weighing a long-standing institution against a focused, modern buyer.
Read the comparison →Mortgage Note Capital vs Note Buyers of America
Note Buyers of America (NBOA) — which also markets under the soldmynote.com brand — has been buying seller-financed notes since 1997, reports $50M+ purchased, and claims a #1 position in Texas. It buys all types of seller-financed notes nationwide. Here's an honest comparison for an individual note holder.
Read the comparison →Mortgage Note Capital vs NoteBuyer.com
NoteBuyer.com — operated by Investment Capital Corporation out of Boston — is a long-running direct buyer that markets a no-broker-fee purchase of real estate notes and mortgages. Here's an honest, side-by-side look for a note holder deciding where to sell.
Read the comparison →Mortgage Note Capital vs Paperstac
Paperstac is a leading digital note-trading marketplace — a platform where note sellers list paper for investors to buy, with built-in eNotary and escrow and a roughly 1% closing fee. It's a fundamentally different model from a direct buyer. Here's an honest comparison so you can choose the right path for your note.
Read the comparison →Mortgage Note Capital vs Porch Swing Funding
Porch Swing Funding is a nationwide direct buyer of private mortgages, land contracts, and contracts for deed, operating out of California and Maryland. Here's an honest, side-by-side look for a note holder deciding where to sell.
Read the comparison →Mortgage Note Capital vs Seascape Capital
Seascape Capital is a long-established, well-regarded note buyer with a clear and deliberately narrow focus: performing first liens only. That focus is a strength for the notes it wants — and the reason a lot of note holders need an alternative. Here's how we compare.
Read the comparison →Mortgage Note Capital vs Texas Note Buyer
Texas Note Buyer (run by Scott Winn) is one of the most explicitly Texas-concentrated note buyers in the country — reportedly 97%+ of its purchases are Texas notes, and it buys owner-financed notes and real estate contracts, including 'problem' notes. Here's an honest comparison for a Texas note holder.
Read the comparison →Note Buyer vs Note Marketplace
You can sell your mortgage note to a direct buyer who makes you a firm offer, or list it on a note marketplace where investors bid or shop your listing. One offers certainty and a guided sale; the other offers price discovery and self-service. Here's an honest comparison so you can choose the right venue.
Read the comparison →Selling Your Note Online vs to a Local Note Buyer
When you sell a mortgage note, you can work with a nationwide buyer online or seek out a local note buyer in your state or metro. Each has real advantages, and the gap between them is smaller than many sellers assume. Here's an honest comparison to help you choose.
Read the comparison →Sell Your Note vs Keep Collecting Payments
If you sold a property on owner financing, you face a recurring decision: cash out the note now for a lump sum, or keep collecting the monthly payments. Neither answer is universally right. Here's an honest framework — including the real trade-offs — to help you decide.
Read the comparison →Selling a Performing vs Non-Performing Note
Whether your borrower is paying on time (a performing note) or has fallen behind (a non-performing note) dramatically changes how your note is valued, who will buy it, and what to expect at the closing table. Here's an honest comparison of selling each — and how to get the best outcome either way.
Read the comparison →
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