For note holders

Sell My Note — Cash for my mortgage note, today

Your Friendly Neighborhood Consulting Company buys mortgage notes with transparent underwriting, direct pricing, and a fast wire at close. Skip the balloon-payment deadline and turn your note into working capital.

Call (720) 900-1921Request A Note QuoteRead the seller FAQ

There is no fee and no obligation.

What you actually pay

What gets deducted, what you net, and why.

We send you a written offer that shows every line of the buying-spread math. Closing costs and third-party work sit on our side of the ledger — they come out of our discount, not your pocket. If you accept the offer, you wire exactly the number on the page. There are no surprise deductions at close.

No advance-fee pledge
You will never write us a check to start a conversation. No application fee, no appraisal or BPO deposit, no court cost up front. Underwriting and third-party work are on our side until you decide to sign.
No-obligation review
A written offer is a starting point, not a deadline. Take it to your CPA, your attorney, or your spouse. There is no commitment, no signature, and no obligation until you decide the closing documents match your plans.

Other assets we buy

Other assets we buy

Four sibling flows cover the rest of the structured-payment universe — pick the one that matches your situation.

Sell My Structured Settlement
Car-accident, personal-injury, and wrongful-death payment streams — sell future payments for a lump sum.
Explore
Sell My Lawsuit Winnings
Future lawsuit-award payments and inheritance buyouts — cash out before the case settles.
Explore
Sell My Lottery & Casino Winnings
Lottery prize annuities (Powerball/Mega Millions-style) and Class III casino jackpots — cash out before your next scheduled payment.
Explore
Sell My Lottery / Casino Winnings
Submit a prize-stream intake now — anonymous, no SSN.
Explore

Sell-the-promise

How fast we close

Five steps. No hidden haircut. The same underwriting pipeline on every file.

Step 1

Application
Submit the unpaid balance, rate, payment history, and property details on the request form — or call our team directly. About five minutes.

Step 2

Initial offer
Underwriting runs the buying-spread math and emails a transparent written offer as soon as possible — every line, no hidden haircut.

Step 3

BPO + title
Independent BPO sizes the collateral and our closing team works with your existing servicer and the title company on the transfer package.

Step 4

Funding
You accept. Wire instructions go out, funds are staged, and we wait on the final closing package.

Step 5

Close
Documents sign, the note is assigned, and the wire lands. You walk away with a clean balance sheet and zero ongoing servicing.

Have questions first?

Read the seller FAQ

Direct answers to the top five objections note holders raise before they sell — balloon-payment risk, valuation haircut, time-to-close, junior-lien restriction, and ongoing servicing.

Common Seller Questions

What kinds of notes we buy

Notes we acquire

We purchase a focused set of real-estate-backed notes and partial interests. If your note sits in this list, we are the right buyer.

  • Performing first-position mortgage notes
  • Balloon notes and short-residual payment streams
  • Seller-carryback notes on residential and small commercial real estate
  • Partial-interest positions and fractional note shares

How a sale actually happens

From request to wire in four steps

Every file moves through the same underwriting pipeline. You see the timeline, the math, and the closing checklist before you sign anything.

Start the sell-my-note quote

Frequently asked

Sell-my-note questions, answered

Not ready to sell?

Keep your note — or read first, then decide

The decision to sell (or hold) is usually a math question, not a feeling question. Read the lender-independent decision guide for the worked example and the buying-spread math before you commit.

If keeping the note and accessing capital sounds like a better fit, Your Friendly Neighborhood Consulting Company's Other Options program offers preliminary small-business-loan qualification up to $1,000,000. No SSN collected at intake.

Explore Other Options →

Why sell to Your Friendly Neighborhood Consulting Company

Why sell to Your Friendly Neighborhood Consulting Company

Three commitments that hold on every file: transparent math, no fees up front, and no pressure to sign.

Transparent fees, no hidden costs
Your Friendly Neighborhood Consulting Company covers every third-party closing, title, and BPO cost out of the buying-spread on every file. The price you see written in the offer is the price you wire to your account — there is no fee we ask you to pay, before or after close.
No advance-fee pledge
We will never ask for an application fee, an appraisal deposit, or any upfront payment before you sign. The quote, the BPO, and the title work are all on our side of the ledger — you do not write a check to start a conversation with us.
No-obligation review
You receive a written offer for review — take it to your CPA or attorney if you want. There is no commitment and no obligation to accept until you decide to sign the closing documents; until then, the decision stays yours.

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Get updates on note-holder math

Monthly note-holder briefings from Your Friendly Neighborhood Consulting Company — in-house notes on buying-spread math, balloon-deadline windows, and the holding-vs-selling call.

We'll only contact you with relevant updates — one note-holder briefing a month, no marketing blasts, easy unsubscribe.

Ready to turn your note into cash?

Call our team or send the 14 numbers on the request form. Either path lands on the same desk.

Call (720) 900-1921Request A Note Quote

From the Blog

Related Reading

July 30, 2026

Should I Sell My Note?
A lender-independent decision framework for note holders weighing a lump-sum cash exit against holding the future-payment stream. Short answers, the math, and the four sell/hold triggers.
Read more →

August 1, 2026

Selling a Partial Note
A lender-independent explainer for note holders weighing a partial sale: what stays on the books, what walks, and how the present-value math splits across two counterparties.
Read more →