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Noteholder's Checklist
National Contract Buyers, Inc. buys mortgages, trust deeds, annuities, settlements and lottery winnings.
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Dear Noteholder,

When you sold your home or investment property, you decided to carry back a note for the new buyer. Seller financing is a growing business. More people are electing to take back a deed of trust, mortgage, or contract for many reasons:

  • Quick sale of the property
  • Monthly income from the note
  • No hassles of conventional financing such as fees, delays, and strict guidelines
  • More qualified buyers

However, circumstances change and many noteholder's would prefer cash today for their future payments. There are a variety of reasons people consider selling their payments for cash:

  • Retirement
  • Taxes
  • Investment opportunities
  • Expensive medical care
  • Vacation or college tuition
  • Unexpected financial changes
  • Peace of mind...being free from the worry of receiving late payments or having to foreclose on the buyer
  • Accounting nightmares, IRS regulations, and paperwork hassles
and the list goes on...

If it's CASH you need, let us help!

We are in the business of buying land contracts, mortgages, deeds of trust, annuities, and other sources of payments commonly referred to as "notes." We have been assisting people like you for years, providing cash quickly and effortlessly. We represent a nationwide group of investors allowing us to offer top dollar for your owner financed note.

This site was designed to answer questions commonly asked by people considering the option of selling their payments. It also provides important information on maintaining the value of your note.

What is a note appraisal?

A note appraisal reflects the current market value of your payments similar to what a real estate appraisal provides for real property. Frequently referred to as a "quote" it shows what your future payments are worth in cash dollars today. We recommend you have your note evaluated once a year.

How is the value of a note determined?

The value of a note is affected by the down payment, interest rate, payment amount, and term as well as the buyer's credit rating and payment history. The type, condition, and value of the property also impact the value of your note.

The time value of money, which makes payments due now more valuable than payments due in 20 to 30 years, also plays a role in the evaluation process. Generally, due to inflation, money in your pocket today is worth more now than later. All of these elements will be taken into consideration in determining the current value of your note.

How do I maintain the value of my note?

Many of the items that affect the value of your note were determined at the time the property was sold. However, keeping good records of the payments received and requiring the buyer to provide annual proof of current taxes and property insurance will help maintain the value of your important asset.

Can I sell all or part of my note?

We can purchase all or part of your remaining payments. Selling part of the payments allows you to receive a lump sum of cash up front, then payments when the note reverts back to you. We can even pay cash for a portion of each monthly payment.

Many people elect to sell just enough payments to meet their cash needs today and keep some of the future payments as an investment or nest egg. Always ask for an option that meets your needs.

Why is my note worth more now than ever before?

With interest rates down and new buying guidelines, investors are able to pay more now than ever before.

How will selling my note affect the payor?

The payor experiences no change in the way the payments are structured. The only change will be the address where the payments are mailed.

How do I get started?

To start the process of selling your note to us, we request copies of the documents that were originated at the time of your sale:

  • Note and deed of trust, mortgage or contract
  • Closing statement
  • Pay history and current balance
  • Previous title insurance policy
  • Current hazard insurance policy

We will then give you a firm offer subject to the standard title, appraisal, and buyer's credit review. Once under contract, you will receive your cash as soon as all of the documentation can be obtained. This typically takes as little as 10-15 working days.

IT'S THAT EASY!

Why should I consider using your company?

We pride ourselves on:

  • Quick closings
  • Excellent customer service
  • Competitive quotes
  • Providing customized options
  • Strong financial backing
  • Over a decade of experience
  • Flexibility on all note purchases
  • Credibility in the industry

We have excellent professional credentials:

  • Purchasing cash flows since 1984
  • Member Better Business Bureau
  • Member Washington Association of Mortgage Brokers
  • Member National Association of Mortgage Brokers

At National Contract Buyers we provide top rate service combined with the best prices available.

Call us if we can assist you!
1-800-490-0731
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