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.
| Feature | Mortgage Note Capital | Annuity.org |
|---|---|---|
| Model | Direct buyer — we buy your note ourselves | Lead-generation / matching site — connects you with third parties |
| Do they buy your note? | Yes — we make the offer and purchase the note | No — they refer or match you to buyers/partners |
| Who contacts you | Mortgage Note Capital (one point of contact) | Potentially multiple third parties your information is shared with |
| Where the offer comes from | Directly from us | From whichever buyer the lead is routed to |
| Transparency tools | Free note value calculator and clear how-we-value page | Educational content; ranks for note-selling keywords |
| Best for | Sellers who want a firm offer and a guided sale | Sellers in early research who want general education |
Annuity.org is a lead source, not a note buyer
The single most important thing to understand: Annuity.org does not buy your note. It's a well-optimized lead-generation and matching site that ranks prominently for searches like "sell my mortgage note," publishes general educational content, and then connects you with third-party buyers or partners. When you submit your information there, you're typically entering a referral funnel — your details may be shared with one or more companies that will then reach out. Mortgage Note Capital, by contrast, is a direct buyer: we make the offer and, if you accept, we purchase the note. This isn't a criticism of Annuity.org — it's a useful research resource — but you should know what you're signing up for before you submit anything.
Where Annuity.org is useful
As an educational and discovery resource, Annuity.org has genuine value. It ranks well precisely because it publishes accessible explainers on annuities, structured settlements, and selling mortgage notes, which makes it a reasonable place to start your research if you're new to the idea of selling a note and want to understand the basics before talking to anyone. Treat it the way you'd treat any informational site: read, learn, and form questions — just recognize that submitting a form there is the start of a referral process, not a direct sale.
Where Mortgage Note Capital fits
If you've moved past research and you want an actual offer, a direct buyer is what you need:
- A firm offer from the buyer itself. There's no middle layer routing your information — you deal with us. Our free note value calculator even lets you see an estimated range without submitting personal details to a lead funnel.
- One point of contact, not many callbacks. Lead sites can result in several companies contacting you. We're a single relationship from quote to close, and our how-we-value page explains the math openly.
- A broad appetite across performing and non-performing owner-financed notes, with deep Texas and Southeast pricing focus.
How to decide
- Still researching and want to understand the basics? Read educational resources like Annuity.org — then come back when you want a real number.
- Ready for an actual offer with one point of contact and no referral funnel? Use our calculator and request a quote directly.
A practical tip: you can get most of the education benefit of a lead site without entering the referral funnel. Read the articles; don't submit the form until you've decided you want to be contacted — and then choose who contacts you.
What a direct buyer will ask for
When you're ready to transact, prepare the original promissory note, the recorded deed of trust or mortgage, the closing statement, a documented payment history, proof of insurance, and current title. A direct buyer prices the note on the present value of remaining payments, weighing the interest rate, seasoning, borrower equity (loan-to-value), lien position, the property, and state foreclosure speed. With a lead site, you'd ultimately provide the same documents — just to whichever third party the referral routes you to.
Control over who contacts you
The quiet but real distinction here is control. When you submit to a lead-generation site, you generally give up control over how many companies receive your information and who reaches out — that's the business model, and it can mean repeated calls from buyers you didn't choose. When you contact a direct buyer, you control the relationship: one company, one conversation, and a clear answer on whether your note is a fit. For research, Annuity.org and similar sites are perfectly useful and worth reading. For an actual transaction, going directly to a buyer keeps you in the driver's seat — and our note value calculator lets you gauge value first without entering any funnel at all. Whatever you decide, get more than one real offer and benchmark each against an independent estimate; that's the surest way to know you're being treated fairly, whether the offer arrives through a referral or directly.
The bottom line
Annuity.org is a useful educational and research resource, but it's a lead-generation site, not a note buyer — submitting a form there routes your information to third parties. If you want a firm offer, a single point of contact, and control over who contacts you, go directly to a buyer. Use our note value calculator to gauge value first without entering any referral funnel.