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Why note sellers choose us

Expertise and Reliability

We've spent years buying notes, and it shows in how we explain them. We'll walk you through what your note is worth and why, patiently, in plain English, without making you feel like you should already know.

California Roots, Nationwide Reach

We're based in Danville, California, and California is home. It's where most of the notes we buy are written. We also buy notes across the country, so wherever your property sits, we can take a look.

A Fair Offer, Explained

We'll show you how we arrived at your number: the payment history, the terms, the property. If our offer isn't right for you, we'll tell you that too. The decision is always yours.

Simple, Start to Finish

We handle the title work, the fees, and the closing costs. And if signing in person is easier, we can arrange for a notary to come to you.

Testimonials

Read what note sellers say about working with Andy and Alpine West.

Ed & Pattie

Bakersfield, CA

★★★★★

When I was looking for an alternative to fulfill a cash flow concern, I looked to find someone to purchase a deed of trust that I was carrying. I had a choice of two different investment companies. Comparable in the purchase process; it came down to who could serve my financial request. Andrew Hess with Alpine West was the company that stood out! He is personable, had clarity with the process, and more importantly to my financial need, the closing was going to be within 30 days. With ongoing step by step process shared with me, I knew what to expect and when it would be happening. If you are looking for a company that reflects honesty, strong customer-centricity, and a timeline that is expedient, Andrew and Alpine is the company to strongly consider.

Richard & Joy

Sacramento, CA

★★★★★

I have had a deed of trust since I sold my house three years ago. The person who bought my house has been very reliable with payments always on time. I have been servicing this note myself. I just turned 91, and did not want my wife to have to deal with the note. I have received letters over the years from investors offering to buy the note. I received one from Andrew Hess at AlpineWest. I called him, and he made what I thought was a generous offer discounting 13.25% of the balance at sale. All expenses of the sale were covered by Andrew, including notary at our residence, and he was very accessible during the time when I was gathering documents.

Scott H.

Orange County, CA

★★★★★

I spoke to a number of firms interested in purchasing my Promissory Note. Alpine West was by far the most professional and knowledgeable with the process. They also gave me a very fair offer to purchase and a quick closing. I would highly recommend them to anyone looking to sell their note.

Sandra B.

Tacoma, Washington

★★★★★

I was very skeptical about selling a note that I inherited from my mother but I needed the money. I was also concerned with what would happen if the property owner stopped paying. I received a letter from Alpine West  and decided to call. I spoke with Andrew who was very personable and walked me through the whole process. After speaking with my family we decided to sell our note for a fair price. We closed in less than 30 days and recieved our money right away. The process was very smooth and Andrew was there for all of our familys questions along the way. We would highly recommend Andrew and Alpine West Group if you are looking to sell your note.

Derek H.

Santa Rosa, CA

★★★★★

Working with Alpine West on the sale of my seller carry note was an exceptional experience from start to finish. They were transparent, professional, and made the entire process incredibly smooth. What really stood out was their clear communication — every step was explained in detail, and they followed through exactly as promised.

I had some concerns about selling the note, but Alpine West made me feel confident and well-informed throughout the transaction. Their team was knowledgeable, respectful of my time, and handled everything efficiently. It’s rare to find a company that delivers both integrity and results — and Alpine West did just that.

I wouldn’t hesitate to work with them again or recommend them to anyone considering selling a note. They truly made the process seamless and stress-free.

Tina

Bend, OR

★★★★★

I originally took back a promissory note as part of my retirement plan, thinking steady payments would be a safe, long-term strategy. But after speaking with Andrew at Alpine West, I realized I could cash out the note and reinvest the proceeds into something earning nearly twice the return.

Andrew made the process simple, transparent, and stress-free. He took the time to explain everything without any pressure. I walked away with a stronger financial position and greater peace of mind about my retirement. I only wish I had reached out sooner.

Kristy D.

Napa, CA

★★★★★

I had an exceptional experience working with Andy Hess at Alpine West. When I first received a letter explaining that they purchase notes — something I didn’t even know was possible — I decided to call and learn more. From the very beginning, Andy was knowledgeable, approachable, and incredibly helpful.

This is not a gimmick. In every interaction, Andy was genuine, honest, and patient, taking the time to answer all of our questions and guide us through the process with integrity.

If you’re considering selling your note, I highly recommend Alpine West. They are reliable, trustworthy, and deliver on their promises.

Frequently Asked Questions

Common questions about selling a note

More sellers are choosing owner financing and accepting payments directly from buyers. Common reasons include:

  • Attracting more buyers and speeding up the sale
  • Creating steady monthly income from the note
  • Avoiding some bank fees, delays, and underwriting hurdles
  • Expanding the buyer pool
  • Making a hard-to-finance property easier to sell

Circumstances change, and some note holders prefer cash today instead of waiting on monthly payments. Common reasons include medical expenses, retirement, taxes, a borrower who has fallen behind, an inherited note someone would rather not manage, or simply wanting to simplify things. There is no pressure or obligation to sell.

A note appraisal, sometimes called a note analysis or quote, estimates the current market value of your future payments. It is similar to a real estate appraisal, but it evaluates the cash value of the note today.

Market conditions can affect pricing, so reviewing the note periodically can help you understand its current value.

Many factors were set when the property was sold, but good records still matter. Keep copies of payments received, obtain an annual copy of the buyer’s property insurance policy, and verify that property taxes are paid on time.

Yes. Alpine West Notes can purchase all or part of the remaining note payments. A partial sale can provide a lump sum now while allowing payments to return to you later. In some cases, it is also possible to sell part of each monthly payment.

Some note holders sell only enough payments to meet a current cash need while keeping the rest for future income.

The value of a note depends on factors such as the down payment, interest rate, payment amount, remaining term, buyer credit, and payment history. The type, condition, and value of the property also matter.

Timing matters too. Payments due sooner are generally worth more today than payments due many years from now.

The payer’s payment amount and schedule remain the same. The main change is where the payments are sent after the note is transferred.

Start by requesting a quote online or calling Alpine West Notes. The initial review uses basic information about the note. To complete the analysis, the team may request copies of the note, mortgage, deed of trust or contract, plus payment history and the current balance.

Any offer is subject to standard title, appraisal, documentation, and buyer-credit review. A typical closing is completed in about 30 days, depending on the transaction.

Call Andy: (925) 678-6993