Mortgage Note Buyers in Colorado Springs
Mortgage Note Capital buys private mortgage notes, owner-financed notes, and land contracts secured by property across the Colorado Springs area. Get a free, no-obligation cash quote.
Colorado Springs is Colorado's second-largest metro, a fast-growing Front Range market anchored by the military and defense sector, and its turnover produces a reliable supply of owner-financed mortgage notes. If you hold a note secured by a Colorado Springs-area property, Mortgage Note Capital buys it for cash.
Colorado Springs's owner-finance market
The Colorado Springs metro — El Paso County, including Colorado Springs, Fountain, and Monument — combines a large military and defense presence (multiple bases plus the Air Force Academy), steady in-migration, and relatively more affordable housing than Denver. The transient military population and an active investor base make owner financing a practical tool for moving properties and reaching buyers who need time to qualify conventionally. That produces a steady flow of notes on homes, land, and small multifamily.
How Colorado's public-trustee system shapes value
Colorado runs a distinctive Public Trustee non-judicial foreclosure process: a county public trustee conducts the sale, and the whole process typically runs about 110 to 125 days — fast and predictable. There is no post-sale redemption for the borrower (only junior lienholders may redeem). Deficiency judgments are allowed, with a six-year window and a fair-market-value defense. The Public Trustee system is a plus for a note buyer: quick, court-light, and reliable, which supports strong pricing for Colorado Springs paper.
Selling your Colorado Springs note
Whether your note is performing or non-performing, the legal backdrop shapes its value. Have your note and recorded deed of trust, the current unpaid principal balance, the rate and payment, the payment history, and a sense of the property's value ready. Documented seasoning strengthens your offer, and you can sell the whole note or a portion through a partial purchase.
We buy notes across the Colorado Springs metro, including El Paso County (Colorado Springs, Fountain, Monument). Tell us about your note for a free, no-obligation cash quote — usually within one business day.
What helps your Colorado Springs note sell at its best
Clean documentation and a verifiable payment history are the fastest path to a strong offer. Have your recorded deed of trust and the original promissory note ready, and gather whatever payment records you have — a third-party servicer's history is ideal for proving seasoning. A recent valuation or comparable sales help a buyer confirm the investment-to-value cushion behind your Colorado Springs note, one of the biggest drivers of your offer. First-lien notes earn the best pricing; second liens are reviewed case by case. If there's an underlying loan beneath your note, or if it was originated through a licensed loan originator, disclose that up front so we can underwrite it accurately and move quickly to a quote.
Selling a note in Colorado Springs: FAQ
What is Colorado's Public Trustee foreclosure?
Colorado uses a county Public Trustee to conduct non-judicial foreclosure sales — fast (about 110–125 days) and predictable, with no post-sale redemption for the borrower (only junior lienholders can redeem). That reliability supports note value.
Do you buy notes throughout the Colorado Springs area?
Yes. We buy seller-financed notes across El Paso County, including Colorado Springs, Fountain, and Monument, on homes, land, and small multifamily.