More sellers are choosing owner financing, accepting payments directly from buyers. Here’s why:

• Quick Property Sale: Expedite the sales process by attracting more buyers.
• Steady Monthly Income: Generate consistent cash flow from the note.
• Avoid Bank Hassles: Bypass fees, delays, and strict underwriting.
• Increase Buyer Pool: Reach buyers who may not qualify for traditional loans.
• Finance Challenging Properties: Make it easier to sell hard-to-finance properties.

Circumstances change, and many sellers prefer cash today over monthly payments. Here are common reasons why people sell their note payments for cash:

• Retirement: Secure funds for a comfortable retirement.
• Taxes: Manage tax obligations more efficiently.
• Investment Opportunity: Capitalize on new investment prospects.
• Medical Expenses: Cover costly medical treatments.
• Vacation: Fund a dream vacation without financial strain.
• College Tuition: Pay for education expenses upfront.
• Unexpected Financial Changes: Adapt to sudden financial needs.
• Peace of Mind: Eliminate worries about late payments or foreclosure.
• Simplify Accounting: Reduce paperwork and regulatory hassles.

A note appraisal, also known as a “note analysis” or “quote,” determines the current market value of your future payments, similar to how a real estate appraisal evaluates property value. It shows the cash value of your note today.

We recommend having your note evaluated annually, as market conditions can affect pricing.

Many factors affecting your note’s value were set when the property was sold, but you can still increase its worth by:

• Keeping detailed records and copies of all payments received.
• Obtaining an annual copy of the buyer’s property insurance policy.
• Verifying property taxes are paid on time, typically twice a year.

These steps help maintain the value of your asset and prevent any unpleasant surprises.

We can purchase all or part of your remaining note payments. Selling a portion allows you to get a lump sum of cash now and then receive payments again when the note reverts back to you. We can even offer cash for part of each monthly payment.

Many people choose to sell just enough payments to meet their current cash needs while keeping some future payments as an investment or nest egg. Always ask for an option that best fits your financial goals.

The value of a note depends on several key factors, including the down payment, interest rate, payment amount, term, and the buyer’s credit rating and payment history. Additionally, the type, condition, and value of the property play a significant role.

The time value of money is also crucial in the evaluation process. Payments due now are more valuable than those due in 20 to 30 years, primarily due to inflation. Money received today can be worth more than the same amount received in the future. All these elements are considered to determine the current value of your note.

The first step is to get a quote by filling out our online form or calling us at (925) 678-6993. We will need copies of the following documents related to your transaction:

• Note and Mortgage (Deed of Trust or Contract)
• Payment History and Current Balance

After reviewing these documents, we will provide you with an offer, subject to standard title, appraisal, and buyer’s credit review. Once under contract, you will receive your cash as soon as all documentation is processed, typically within 10-15 working days.

The purchase price is paid in guaranteed funds, either by cashier’s check or wire transfer, upon receipt of the final transfer package and original documents.

For your convenience and security, we can wire the funds directly to the title company, allowing you to exchange your original documents for the proceeds safely and securely.

At Alpine West Group, we are dedicated to providing:

• Quick Closings: Fast and efficient transaction processing.
• Excellent Customer Service: Friendly and responsive support throughout the process.
• Competitive Quotes: Offering top market prices for your notes.
• Customized Options: Tailored solutions to meet your specific needs.
• Strong Financial Backing: Reliable and secure financial resources.
• Flexibility: Adaptable terms for all note purchases.
• Confidentiality: Ensuring privacy and discretion in all transactions.
• Credibility: A trusted name in the industry.

Experience top-tier service and the best prices available with Alpine West Group.

Contact Us to get started today!