Turn Your Seller‑Financed Note Into Cash

Get a lump sum payment for all or part of your residential mortgage note — in as little as 21 days.

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Serving Seller Financiers Nationwide

Benefits

Why Sell Your Note?

Whether you need immediate cash or want to diversify your investments, selling your note gives you options.

Immediate Cash Access

Convert your note to a lump sum payment when you need it most — medical bills, new investments, or life changes.

No Fees to You

No appraisal or underwriting fees. We handle all costs of the transaction.

Direct Buyer & Trusted Intermediary

We buy notes directly and also facilitate sales to our network of trusted investors — giving you more options and the best possible price.

Sell All or Part

You can sell your entire note or just a portion — you choose what works best for your financial goals.

Fast Closing

Our goal is to close within 21 days of the signed Purchase-Sale Agreement.

Nationwide Service

We buy and intermediate performing and non-performing first and second mortgages across all 50 states.

The Process

How It Works

Selling your note is straightforward. Here's what to expect from start to finish.

1

Contact Us

Fill out the form below or schedule a call. Tell us about your note.

2

Get a Quote

We'll contact you within 48 hours to review specifics and provide a competitive quote.

3

Accept & Sign

Once you accept, we send a Purchase-Sale agreement and a closing checklist.

4

Get Paid

After document review and verification, funds are wired directly to you. Goal: close in 21 days.

Our Focus

Notes We Buy & Intermediate

  • Performing and Non-Performing Mortgages
  • First and Second Mortgages
  • Residential properties only
  • Nationwide — all 50 states

Testimonials

What Our Clients Say

Derrick & Lisa L.

Derrick & Lisa L.

Seller Financed Property Owners

I didn’t want to wait 20 more years for payments. CNS bought my note and I had cash in hand within weeks.
Patricia M.

Patricia M.

Private Mortgage Holder

I had no idea I could sell part of my note and keep the rest. Creative Note Solutions explained everything clearly and made the whole process painless. I had my cash in under three weeks.
James R.

James R.

Real Estate Investor

After years of collecting monthly payments, I decided I wanted to invest in another property. CNS gave me a fair price for my note and closed quickly. I couldn't be happier.
Maria & Tony S.

Maria & Tony S.

Seller Financed Note Holders

We were exhausted from managing our seller-financed note — chasing late payments from the borrower, sending accurate monthly statements reflecting principal and interest, and staying on top of taxes and insurance. It was like a second job. Creative Note Solutions took all of that off our plate and gave us a lump sum we could actually use. We wish we had called them sooner.

About Us

Trusted Professionals

Creative Note Solutions is a team of seasoned professionals specializing in buying and intermediating real estate secured notes on the secondary market. We bring fairness, integrity, and transparency to every transaction.

Whether you hold a performing or non-performing first or second mortgage, our team works with you to create a solution tailored to your unique financial needs. As both a direct buyer and a trusted intermediary with a network of investors, we maximize your options and get you the best price for your note.

NMLS# 2516349
NMLS Consumer Access
Nationwide coverage — all 50 states

FAQ

Frequently Asked Questions

When you sell a property and allow the buyer to make payments to you instead of getting a traditional bank loan, you hold a seller-financed note. It's essentially a private mortgage where you are the lender.
Yes. You can sell a portion of your remaining payments while keeping the rest. This gives you immediate cash while still maintaining a future income stream.
We buy and broker performing and non-performing first and second mortgages on residential properties nationwide.
Our goal is to close within 21 days after receiving the signed Purchase-Sale Agreement. From initial contact to closing, the typical timeline is 3-4 weeks.
No. There are no appraisal fees, underwriting fees, or hidden costs to you as the seller. We cover all transaction costs.
We evaluate several factors including the property value, remaining balance, interest rate, payment history, borrower credit history, and time remaining on the note. We provide a fair, competitive quote.
While a strong payment history helps maximize your quote, we also purchase non-performing first and second mortgages. Contact us to discuss your specific situation.
A performing mortgage is one where the borrower is making regular, on-time payments as agreed. A non-performing mortgage is one where the borrower has fallen behind on payments or stopped paying altogether. We buy and broker both types — performing notes typically receive higher offers, but we have solutions for non-performing notes as well.
You'll typically need the original promissory note, the recorded deed of trust or mortgage, a payment history, and any related closing documents from the original sale. Don't worry if you're missing something — we'll help you identify exactly what's needed during the process.

Get Your Quote

Find Out What Your Note Is Worth

Get a no-obligation quote for your seller-financed note. Choose the option that works best for you.

Option 1

Schedule a Call

Book a time that works for you. We’ll discuss your note, answer your questions, and walk you through the process.

Schedule a Call
or
Option 2

Get a Quote in 48 Hours

Fill out the form and we’ll provide a competitive quote for your note within 48 hours — no obligation.

Get My Quote