Holding a Mortgage Note? Turn It Into Cash.
Get a free, no-obligation quote to sell your mortgage note. Fast, direct, and handled personally, not by a call center.
Why Sell Your Mortgage Note?
Whether you manage a note fund, broker notes, or hold a seller-financed note, here’s what selling can do for you.
Immediate Cash
Turn years of future payments into cash in hand now — for a new investment, a purchase, or simply peace of mind.
- No more waiting on monthly payments
- Funds available at closing
A Fast, Simple Process
We handle the valuation, paperwork, and closing. You answer a few questions and review an offer — that’s it.
- No listing, no showings
- One point of contact, start to finish
Any State
We review notes secured by residential property in judicial and non-judicial states, wherever the collateral is.
- Judicial and non-judicial states
- First and second liens
Selling Your Mortgage Note vs. Keeping It
There’s no single right answer — it depends on what you need right now.
| Keep the Note | Sell the Whole Note | |
|---|---|---|
| Access to Cash | None — paid out over time | Lump sum at closing |
| Ongoing Involvement | You manage collections & servicing | None — we take it over |
| Borrower Risk | Stays with you | Transfers to buyer |
| Best For | Steady income, no urgent need for cash | Liquidity, simplicity, or exiting the asset |
Who We Buy Notes From
We work mainly with note professionals. Labrador Lending is a veteran-owned firm focused on mortgage notes. Learn more about us.
Note Funds & Other Investors
Funds and investors selling notes out of their portfolios.
Private Lenders & Note Brokers
Private lenders and professional note brokers placing notes with a buyer.
Seller-Financed Note Holders
Individuals who owner-financed a property and now hold the note.
What Types of Mortgage Notes Do We Buy?
Here’s a quick look at the notes we typically purchase. Not sure if yours fits? Request a quote and we’ll let you know.
We buy whole notes only. We don’t purchase partial notes, contracts for deed, or notes secured by commercial property.
How It Works
Tell Us About Your Note
Fill out the form below with whatever you know about the property and the note — no need to have every detail.
Get a No-Obligation Quote
We review the details personally and follow up with a quote. No pressure, no obligation.
Close and Get Paid
Like what you see? We handle the paperwork and get you to closing.
Get Your Free Quote to Sell Your Mortgage Note
Enter the details about the note you’d like priced. Share what you know — we’ll follow up personally.
Frequently Asked Questions
We look at the remaining balance, interest rate, payment history, lien position, and the underlying property to arrive at a fair offer. Every note is different, so every quote is custom.
We buy first- and second-lien mortgage notes and deeds of trust secured by residential property, in all states, with principal balances from $50,000 to $400,000. Equity coverage is required, and the seller must have the original loan documents. We don’t buy contracts for deed.
No. We purchase whole notes only, not partial interests or a portion of the payments.
None. Requesting a quote is free and non-binding. You decide whether to move forward after reviewing our offer.
The borrower’s loan terms don’t change — only who owns and services the note. We’ll notify the borrower of the transfer as required by law.
We still want to hear about it. Non-performing or behind-schedule notes are often purchasable — the offer simply reflects the added risk.
Still have questions, or have a portfolio of notes and prefer to talk it through?
Book a Discovery CallReady to Sell Your Mortgage Note?
Get a free, no-obligation quote — no call center, just a direct conversation.
Get My Free QuoteLabrador Lending purchases mortgage notes directly from note funds, investors, private lenders, note brokers, and seller-financed note holders. This page is for note sellers and is separate from, and does not constitute an offer to invest in, the Integrity Income Fund. Note purchase offers are non-binding until a signed purchase agreement is executed. Terms vary by note and are determined case by case. See our full disclaimer.