What is your mortgage note worth?
Enter your note's details below for an instant estimate of its value. We use the same present-value approach professional note buyers use — discounting your remaining payments across a 9%–12% yield range. It's an estimate, not an offer, but it's a realistic starting point.
Note details
25.0 years
Estimated payment from your numbers: $966/mo
Midpoint estimate ≈ $103,414
How value changes by investor yield
| Required yield | Estimated value |
|---|---|
| 9% | $115,110 |
| 10% | $106,306 |
| 11% | $98,560 |
| 12% | $91,718 |
Lower required yields produce higher prices. Most private note buyers target a yield in the 9%–12% range depending on risk.
- A note with a longer, on-time payment history (good "seasoning") generally prices closer to the top of this range.
About the note value calculator
How is the note value estimate calculated?
The calculator computes the present value of your note’s remaining payments at a range of investor yields (9%–12%), then applies clearly-labeled adjustments for performance status and, if you enter a property value, a high investment-to-value cushion. Present value is the standard way note buyers price a payment stream: a dollar collected years from now is worth less than a dollar today, so future payments are discounted back at the buyer’s required return.
Is this an offer to buy my note?
No. It is an estimate to help you understand the likely range, not a binding offer. A real offer depends on the exact note terms, verified payment history, the property’s value and condition, the borrower, the state’s foreclosure process, and current market conditions. Submit your details for a firm, no-obligation quote.
Why does the estimate show a range instead of one number?
Because the price depends on the yield a buyer requires, which varies with risk. A safer note (well-seasoned, low loan-to-value, fast-foreclosure state) prices toward the top of the range at a lower yield; a riskier note prices toward the bottom. Showing the 9%–12% band is more honest than pretending there is a single exact answer.
What if I don’t know my exact monthly payment?
Leave the “I know the exact payment” box unchecked and the calculator will estimate the payment from your unpaid balance, interest rate, and remaining term. It is a close approximation for amortizing notes, but your real payment from the note documents will give the most accurate result.
Does a balloon payment change the estimate?
Yes. If your note has a balloon, enter it and the calculator discounts that future lump sum back to today’s value and includes it in the estimate. Keep in mind that balloon value also carries risk — it assumes the borrower can refinance or sell to pay it at maturity.