Resources for Note Holders
Practical guides written for private mortgage note holders — no jargon, no sales pitch. State law breakdowns, selling tips, and everything in between. Whether you plan to sell mortgage note payments now or years from now, these guides answer the questions note holders ask most — like “Can I sell my mortgage note?” and “Who will buy mortgage notes like mine?”
Moxxie Asset Group:
THE Source for Seller Financed Note Education
Illuminating the Blind Spots of Your Seller Financed Note Journey
How to Increase the Value of Your Seller-Financed Mortgage Note
Practical steps note holders can take — before and after closing — to maximize what a note buyer will pay. Covers what should have been done at closing, what you can still do now, and why getting a professional evaluation before selling matters.
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How State Foreclosure Laws Affect Your Note’s Price
Why your property’s state matters when you sell a note: fast non-judicial states like Georgia vs. slow judicial states like New York, and why state law multiplies borrower risk.
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Inherited a Mortgage Note? What to Know Before You Decide Anything
Inherited a seller-financed note, or handling one as part of an estate? What you might be holding, why there’s no pressure to decide right now, and a few gentle first steps.
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The Texas Rule That Could Turn Your Seller-Financed Note Into a Crime: A Complete Guide to the Texas SAFE Act
Creating seller-financed notes in Texas? The three-note RMLO exemption, why spouses and LLCs count as one owner, the federal Dodd-Frank layer, and how licensing affects your note’s value.
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Why Pulling Your Borrower’s Credit Matters Before You Seller Finance
When you seller finance, you become the bank. Why a trusted tenant still needs a credit check, how an RMLO handles it at no cost to you, and how credit affects your note’s value.
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Considering Selling Your Property Using Seller Financing? Avoid These 6 Costly Mistakes
Seller financing puts you in the role of the bank. These are the six avoidable mistakes we see most often — and how to structure your note right from the start.
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250 Years Ago Americans Fought For Freedom. Your Note Can Fund Yours.
Happy 250th Birthday, USA. We celebrate 250 years of American freedom — and 250 years of seller-financed mortgage note creation.
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Demystifying the Step-by-Step Process of Selling Your Seller-Financed Mortgage Note
From initial note evaluation through due diligence and closing — exactly what happens at each stage, in plain language.
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How to Get Premium Pricing When Creating a Seller-Financed Mortgage Note
Selling a property with owner financing? The decisions you make at closing directly determine what your note is worth later.
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The Silent Note Killer: What Your Borrower Isn’t Telling You Can Be Causing Your Note To Lose Its Value
Your note can lose significant value even when payments are arriving on time. How borrower credit erosion silently affects what your note is worth.
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How to Sell Your Owner Financed Mortgage Note in Texas — A Complete Guide
Texas leads the nation in seller-financed note creation. Learn how deed of trust law, the SAFE Act, and Chapter 5 affect your note's value.
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Selling a Seller Financed Note in North Carolina — Deed of Trust Law & What Your Note Is Worth
NC is a deed of trust state with non-judicial foreclosure — which makes notes more attractive to buyers.
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Georgia Mortgage Note Holders: What Your Security Deed Note Is Worth and How to Sell It
Georgia uses security deeds — not deeds of trust — making it unique among note states. Learn how OCGA § 44-14-161 affects your note.
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Selling a Seller Financed Note in Washington State — RCW 61.24, Anti-Deficiency & Note Value
Washington's strong anti-deficiency laws and ~190-day non-judicial foreclosure process make WA notes highly marketable.
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5 Mistakes Note Holders Make When Selling a Mortgage Note
Accepting the first offer, misreading your state's instrument type, walking away when you hear the discount — these are the mistakes that cost note holders real money.
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Does My Borrower Have to Consent to a Note Sale?
Your borrower cannot block a note sale — and doesn't need to give permission for a credit check. Here's what the law actually says about borrower consent.
Read the Guide →How to Increase the Value of Your Seller Financed Mortgage Note
Most note holders think their note's value is locked in at closing. It's not. Here's what you can do — before and after — to maximize what your note is worth.
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How to Sell Your Owner Financed Mortgage Note in Florida — A Complete Guide
Florida is a mortgage state with 400+ day judicial foreclosure. Here's how that affects your note's value — and what Moxxie's local Fort Lauderdale team can do for you.
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How to Sell Your Owner Financed Mortgage Note in Oregon — A Complete Guide
Oregon is a deed of trust state. Learn Oregon foreclosure law, what affects your note's value in Portland and Salem, and the step-by-step selling process.
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How to Sell Your Owner Financed Mortgage Note in California — A Complete Guide
California mortgage note law, deed of trust basics, what affects your offer, and the step-by-step process for selling your note in LA, San Diego, Sacramento, and all 58 counties.
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How to Sell Your Owner Financed Mortgage Note in Michigan
Michigan is a mortgage state with a unique land contract tradition. Learn how MCL 600.3201, the 6-month redemption period, and Detroit/Grand Rapids market conditions affect what your note is worth.
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Selling a Seller Financed Note in Arizona — ARS § 33-807, Trustee Sale Timeline, and What Your Note Is Worth
Arizona is a deed of trust state with one of the fastest non-judicial foreclosure timelines in the country. Learn how ARS § 33-807 shapes your note's value and how to sell your Arizona seller financed note for a lump sum.
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How to Sell Your Owner Financed Mortgage Note in Ohio — A Complete Guide
Ohio is a mortgage state governed by ORC § 2323.07. Learn how the judicial foreclosure process shapes your note's value and how to sell your Ohio seller financed note for a lump sum.
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Is It Legal To Sell a Seller Financed Mortgage Note?
The short answer is yes. Here is exactly what the law says — and what it means for you as a note holder.
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Why Is My Note Worth Less Than The Balance Owed?
It is the question every note holder asks. The answer involves the time value of money — and what you can do to close the gap.
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How Much Can I Get For My Seller Financed Mortgage Note?
Understand exactly what drives mortgage note value — payment history, borrower credit, interest rate, remaining balance, and more — so you know what your note is worth before you sell.
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Selling a Seller Financed Note in Tennessee — TCA § 35-5-101, Deed of Trust Foreclosure, and What Your Note Is Worth
Tennessee is a deed of trust state with one of the fastest non-judicial foreclosure timelines in the country. Understand how TCA § 35-5-101 shapes your note’s value and what Tennessee note buyers look for.
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Who Buys Seller Financed Mortgage Notes? What Every Note Holder Needs to Know
Not all note buyers are created equal. Learn the difference between wholesalers, brokers, and legitimate institutional buyers — and how to protect yourself before you sell.
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What Documents Do I Need to Sell My Mortgage Note? A Complete Checklist
Not sure what to gather before you sell? This complete guide covers the promissory note, mortgage or deed of trust, payment history, and what you actually need on day one.
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Partial Note Purchase vs. Full Sale: Which Is Right for You?
Most note holders think it's all or nothing. Learn the difference, see a side-by-side comparison, and explore five real scenarios to find out which option fits your goals.
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Selling a Seller Financed Note in Colorado — CRS § 38-38-101, Public Trustee Foreclosure, and What Your Note Is Worth
Colorado note holders: understand what your note is worth, how CRS § 38-38-101 shapes pricing, and how the Public Trustee foreclosure process affects your offer.
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Can I Sell a Wraparound Mortgage Note?
Yes — but a wrap adds a layer most seller financed notes don’t have. See how the due-on-sale clause, the underlying loan, and lien position affect what your wrap note is worth.
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Selling a Seller Financed Note in Houston — Texas Property Code § 51.002, Harris County Timelines, and What Your Note Is Worth
Texas is a deed of trust state with one of the fastest foreclosure timelines in the country. Learn how Texas Property Code § 51.002, Harris County first-Tuesday sales, and Greater Houston collateral values shape what your note is worth.
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Florida, California, Arizona, Tennessee, and more are coming soon.
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