Question 1

What is a mortgage note or future-payment stream?

Accepted Answer

A mortgage note is the written promise to repay a real-estate loan, usually backed by a mortgage or deed of trust. A future-payment stream is a series of payments you are entitled to receive over time. Selling either can replace some or all of those future payments with a lump sum today.

Question 2

How do you value my note or payment stream?

Accepted Answer

We estimate the present value of the payments you would otherwise receive over time. The review can consider the payment amount and schedule, remaining balance, interest rate, payment history, collateral, borrower or issuer strength, and the costs and risk of transferring the stream. The result is an offer for the specific file, not a fixed percentage that applies to every seller.

Question 3

What documents do I need to get a quote?

Accepted Answer

Helpful starting documents include the note or contract, mortgage or deed of trust, payment history, current balance, amortization schedule, and recent statements showing the payments. Property details, borrower or issuer information, and any prior assignments or servicing records may also be needed. If you do not have everything, share what you do have and we can explain the next gap.

Question 4

How long does review and closing take?

Accepted Answer

Timing depends on how complete the file is and whether the payment history, title, servicing, and transfer documents can be verified quickly. A straightforward file may move through initial review quickly, while diligence and closing can take longer. We will tell you what is still needed and where the file stands; no same-day closing is promised.

Question 5

Can I sell only part of my future payments?

Accepted Answer

Often, a partial sale can be considered. Instead of selling the entire stream, you may ask about selling a defined number of payments, a percentage, or a specific portion while keeping the rest. The structure depends on the contract, transfer rules, servicing setup, and whether the remaining stream still works after the sale.

Question 6

What should I expect as a seller?

Accepted Answer

You can expect questions about the payment stream, a document review, and an offer based on the file’s details. Read the offer and transfer documents carefully, ask about the amount you will receive, the payments being sold, timing, and any costs, and take the time you need to decide. There is no obligation to accept an offer simply because you requested a quote.

Question 7

What makes a note or payment stream eligible for review?

Accepted Answer

We can review many types of mortgage notes, seller-carryback notes, and other future-payment streams, but eligibility is determined case by case. Current payment performance, clear ownership, transferable documents, collateral or issuer details, and applicable state or contract rules all matter. A request for information is not an approval or a promise that we can purchase the stream.

Question 8

What happens after I submit my note?

Accepted Answer

We start with the details you provide, then follow up for the documents needed to understand the stream. After review, we explain whether the file appears workable and, when appropriate, provide written terms for you to consider. If you have questions along the way, you can contact us directly rather than guessing what to send next.

Question 9

Is this legal or tax advice?

Accepted Answer

No. This page is general information, not legal, tax, accounting, or financial advice, and it is not an offer or a promise to purchase. Consider speaking with your own attorney, tax professional, or financial adviser about whether selling fits your situation and how a sale may be treated before signing transfer documents.

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