Sell Your Mortgage Note in Texas

If you sold real estate in Texas and agreed to collect payments over time, you are holding a mortgage note. And that note has real value today — not someday. Today.

At I Buy Notes Now, we purchase performing and non-performing mortgage notes secured by Texas real estate. We pay a lump sum, we move quickly, and we walk you through every step of the process with no pressure and no fees.

If you are tired of collecting monthly payments, wondering whether your borrower will pay next month, or simply want your money now instead of waiting years — we should talk.

Get a Free, No-Obligation Offer

We respond within one business day. No obligation. No fees. Ever.

Call
305-864-7388

Email Us
info@ibuynotesnow.com

What Types of Notes We Buy in Texas

We purchase a wide range of privately held real estate notes in Texas, including:

Performing first-lien residential notes (1-4 family homes)
Non-performing or delinquent notes
Seller-financed or owner-financed notes
Notes on single family residences, condos, townhomes, and small multifamily
Notes on commercial and investment properties
Land contracts and contracts for deed
Notes from estates, divorces, and partnership dissolutions
Notes with minimum balances of $40,000 or more

If you are unsure whether your note qualifies, reach out. We review every situation individually and will give you a straightforward answer within one business day.

You Have More Options Than You May Realize

Most note holders think there are only two choices: keep collecting payments or sell the note outright. There is a third and sometimes fourth option that most buyers never mention.

Option 1: Full Note Purchase
We purchase all remaining payments on your note for a single lump sum. You receive your money, we take over the collection of payments, and your obligation ends at closing. This is the cleanest exit.
Option 2: Partial Note Sale
You sell a defined number of future payments — for example, the next 60 months. We pay you a lump sum for those specific payments. Once we collect them, all remaining payments revert entirely back to you. You get liquidity today without fully exiting your position. This structure often results in a smaller discount than selling the full note.
Option 3: Hypothecation (Borrow Against Your Note)
Instead of selling, you use your note as collateral for a loan. We advance you cash — typically 50 to 60 percent of the note balance. Your borrower continues making their regular payments. You retain ownership of the note and its income stream. Because it is a loan rather than a sale, this structure may allow you to access capital without triggering a taxable event. Your home, savings, and other assets are not involved — the note is the only collateral.

Not every structure fits every situation. We look at your note, your goals, and your timeline — then we recommend what makes the most sense for you.

How the Process Works

Step 1: Share your note details

Tell us the basics — property address, note balance, interest rate, payment history, and how many payments remain. A phone call or email is fine. We do not need a formal application to get started.

Step 2: We evaluate and respond

We review your note and provide an offer — typically within one business day. We explain the offer clearly. No guessing. No chasing us down for answers.

Step 3: You decide

There is no pressure and no obligation at this stage. If our offer works for you, we proceed. If you want to explore a partial sale or hypothecation instead, we discuss that too.

Step 4: We close

Most transactions close within approximately 20 business days of receiving complete documentation. We handle the complexity. You handle the decision. Funds are wired directly to you at closing.

We Buy Mortgage Notes Throughout Texas

We purchase notes secured by real estate in all counties and cities across Texas, including:

Houston, Dallas, San Antonio, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Laredo, Lubbock, Garland, Irving, Amarillo, McAllen, Frisco, McKinney, Brownsville, Waco, Killeen, and throughout the state.

If your property is in a rural area or a smaller market, reach out. We evaluate notes statewide and do not limit ourselves to major metro areas.

Why Note Holders in Texas Choose to Sell

Tired of tracking payments, monitoring insurance, and managing the borrower relationship every month
Need capital now for a new investment, medical expense, education, or debt payoff
Inherited a note from an estate and prefer cash to monthly collections
Going through a divorce or partnership dissolution where a note needs to be liquidated
Borrower is delinquent or has become difficult to manage
Want to eliminate the risk and uncertainty of depending on one borrower’s continued payments
Low interest rate on the note makes it a drag compared to current investment alternatives

Whatever your reason, it is valid. The decision to sell is strategic, not emotional — and we treat it that way.

What Texas Note Holders Often Get Wrong

“The property is worth more than my balance, so I am fully protected.”

Equity is a cushion, not a guarantee. Your actual protection depends on lien position, current taxes, true as-is market value, and foreclosure costs in Texas. Strong equity helps — it does not eliminate risk.

“If payments are current, my note is low risk.”

A borrower who has paid for three years can still default in year four. Risk assessment includes remaining term, borrower stability, concentration risk, and rate environment — not just payment history.

“If they stop paying, I get the property back.”

Foreclosure in TX is a legal process, not an automatic transfer. Timelines vary. Costs accumulate. Some borrowers have redemption rights. Equity can erode before you recover the property.

“I can sell my note anytime for close to the unpaid balance.”

Market value rarely equals unpaid principal balance. Buyers price based on yield, risk, and current market conditions. A note with a below-market rate will trade at a discount to achieve the buyer’s target return.

Frequently Asked Questions

Most transactions close within approximately 20 business days of receiving complete documentation. The documents typically needed are the original note with proper endorsement and a recorded assignment of mortgage or deed of trust. We handle the complexity — you handle the decision.

The offer depends on the note balance, interest rate, payment history, remaining term, property value, and current market conditions. Notes with a strong payment history, a meaningful down payment, and good collateral typically receive stronger offers. We explain every factor in our offer so you understand exactly why the number looks the way it does.

No. A partial sale allows you to sell a defined number of future payments and keep the rest. Once we collect the payments we purchased, all remaining payments revert to you. This structure may result in a smaller overall discount compared to selling the full note.

None. We cover all closing costs. The offer we make is the amount you receive. No deductions at closing.

We evaluate non-performing notes on a case-by-case basis. We buy both performing and non-performing notes. Contact us and let us review the specifics before assuming your note does not qualify.

Your borrower is notified of the transfer by certified mail. Their loan terms do not change — same interest rate, same payment amount, same schedule. The only change is where they send their payment.

Yes. Through hypothecation, we can lend against your note without requiring you to sell it. You retain ownership, your borrower keeps paying, and you access capital now. This may have different tax implications than an outright sale. We are happy to walk through both options so you can decide what fits your situation.

Yes. We purchase notes statewide — major metros, suburban markets, and rural areas alike. The property location is one factor we consider, but it does not automatically disqualify a note.

Ready to Find Out What Your Texas Mortgage Note Is Worth?

The conversation is free. The evaluation is free. There is no obligation at any stage.

We treat every note holder fairly, explain everything clearly,
and move as fast as the situation allows.

Sell Your Mortgage Note in Texas