Frequently Asked Questions Regarding Mortgage Notes – Or Cash Flow Notes

1. What is a note?
Cash flow notes are written documents or agreements that promises to pay a named amount of money over a period of time, or on a stated date plus it’s terms and interest rate. People owning such notes sometimes want to “cash out” or get their money in one lump sum.

2. Who buys notes?
There are thousands of individuals across the country who purchase notes. Just as banks buy mortgages, private buyers buy notes as investments. Payments are collected over time for a steady stream of income.

3. What is my note worth?
The value of a note is established by a number of factors,including but not limited to: type, location, seasoning,(how old the note is) credit of payor, equity and interest rate to name a few major ones.

4. What if I want cash now instead of waiting 30 years to get paid back?
That’s where we come in. We work with investors who are interested in purchasing your note (or your client’s note) from you so you can have the that money you need. This way, you don’t have to worry about late payments or non-payment any longer!

5. Will selling the note have an effect on the person paying me?
NO! The terms and conditions of original note and mortgage remain the same. The only change is where he sends the check. For the majority of the time it is even better for the payor, as he will receive the deed of property as conventional financing

6. How long does it take to recieve my money?
All deals vary. But, after a offer is accepted, and we receive the necessary documents, a note can close within 30 days. Sooner if no problems, but the average normal closing time is 2 to 3 weeks once we have lined up a buyer. 

7. Can I sell a portion of my note?
YES! If you just need a specific amount of money, you may just sell a partial of your note. example: If your note runs 240 months, you can sell the next 60 payments, and then get the note back on the 61st payment. OR sell the rest at a later time.

8. What is required for a free analysis of my note?
The basic info I need can be found right on the note. terms, interest, amount, ect….

9. How much is this going to cost me?
There is no charge to you, the note holder nor any closing costs except for your attorney’s fee.

If you have any other questions, please feel free to contact us. We are more than happy to help you.

Client Comments

  • Fred Perry

    "Keep up the excellent work. Best. Product. Ever! I could probably go into sales for you."

    Fred Perry

  • Tucows

    "When it comes to saving money any information is usually welcome....If you are looking for a way to save money on your mortgage then you might want to take a look at what this program has to offer. Best of all its free."

    (the software repository, not the actual cows)

  • Julie Gray

    "To be honest you cannot beat the services or the people that I have dealt with. I will refer everyone I know. Mortgage Manager is great. I don't know what else to say. "

    Julie Gray

  • J. Miller

    "I was somewhat apprehensive about a program that promised what seemed to be too good to be true; especially when I found out how simple and financially painless it was. Anyway, I got the Mortgage Manager Analysis software and ran the numbers on my mortgage. I was astounded!
    I was also somewhat perturbed that I hadn't looked into this more carefully before. I am ashamed to admit I had heard about such a strategy years ago and thought it was a gimmick.
    When I started the Mortgage Manager Program I was already years into my mortgage and only saved about $20K in interest. Had I started sooner I would have saved four times that amount and would have paid off my mortgage years earlier!
    After my experience with Mortgage Manager, I cannot imagine why anyone, and I mean ANYONE, with a conventional mortgage would not sign up for their program.
    If you pay off a conventional mortgage according to the normal payment schedule, you are literally flushing tens of thousands of dollars down the toilet, as well as prolonging the pain of mortgage payments years longer than necessary.
    I highly recommend this program to everyone who has a mortgage.
    Enrolling with Mortgage Manager likely will be one of the smartest financial decisions most people will ever make in their lifetime. It certainly was for me."

    J. Miller
    President & CEO
    Acellus Com., Inc.
    Sagle, ID