Introduction
If you’ve sold a property using owner financing, you may be holding a mortgage note that guarantees the buyer’s payments over time. While these monthly payments provide steady income, many note holders eventually prefer to sell their mortgage note for a lump sum of cash. This is where First Capital, the #1 Mortgage Note Buyers in Texas and most states nationwide, can help.
In this article, we’ll explain what an owner financed mortgage note is, how selling one works, and why First Capital is the trusted choice for fast, secure, and top-value note purchases.
What Is an Owner Financed Mortgage Note?
An owner financed mortgage note is a legal document created when a property is sold and the seller finances the transaction rather than a traditional bank. Instead of the buyer making payments to a bank, they make monthly payments directly to the seller.
This note outlines key details such as:
-
The total loan amount
-
Interest rate
-
Repayment schedule
-
Collateral (the property itself)
While these notes can be an excellent source of passive income, they also tie up your money for years. That’s why many sellers decide to sell their mortgage note for immediate cash.
How Selling To Mortgage Note Buyers Works
Selling your note is a straightforward process when working with the right buyer. Here’s how it typically works with First Capital:
-
Free Quote – Provide details about your note, such as the balance, payment history, and property type.
-
Note Evaluation – Our team reviews the information to determine the current market value.
-
Offer Presentation – You’ll receive a top-dollar cash offer with no obligation.
-
Closing & Payment – Once accepted, First Capital handles all paperwork and pays you in a secure, lump-sum transaction.
This process can be completed quickly, often in just a few weeks, giving you immediate access to funds without waiting years for payments.
Benefits of Selling Your Note to Mortgage Note Buyers
There are many reasons note holders choose to sell, including:
-
Immediate Cash – Get a lump sum to invest, pay debts, or fund major expenses.
-
Risk Reduction – Eliminate the risk of buyer default or missed payments.
-
Flexibility – Access your money now rather than waiting for monthly payments.
-
Peace of Mind – Transfer all responsibilities and risks to the note buyer.
Why Choose First Capital as your Mortgage Note Buyer?
At First Capital, we’ve earned our reputation as the leading mortgage note buyer in Texas and nationwide. Here’s why:
-
Top Offers Nationwide – We consistently provide the best cash offers.
-
Fast Closings – Our streamlined process gets you paid quickly.
-
Trusted Expertise – With years of experience, we handle every detail professionally.
-
Nationwide Reach – We buy notes in Texas and most states across the U.S.
If you’re looking for a reliable way to sell your mortgage note, First Capital is the go-to source for maximizing value and peace of mind.
Conclusion
Selling your owner financed mortgage note doesn’t have to be complicated. With the right buyer, you can convert long-term payments into immediate cash. First Capital makes the process simple, fast, and profitable — that’s why we’re the #1 choice for mortgage note buyers in Texas and most states nationwide.
Contact us today to request a free, no-obligation quote and see how much your mortgage note is worth. You can also request our FREE Note Buyers Guide.