Sell Your Mortgage Note in Florida — Trusted Note Buyer Statewide
Florida is one of the most active seller-financing markets in the country. Whether you're holding a note on a Miami or Fort Lauderdale condo, an Orlando home, or rural land — we can give you an honest review of what your note is worth and what your options are. Free, confidential, no obligation. Call 954-466-7111 or request a free review below. Whether you hold a seller financed mortgage, an owner financed installment note, or a private mortgage note, Moxxie Asset Group makes it simple to sell your mortgage note in Florida — no fees, no pressure. Because Florida is a mortgage state rather than a deed of trust state, most Florida note holders looking to sell mortgage note Florida transactions will need to gather your mortgage or deed of trust (depending on your state) along with the original promissory note before requesting a review.
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Florida
Why Florida Is One of the Most Active Seller-Financing States in the Country
Dawn — Senior Seller Finance Note Advisor & Analyst
Moxxie Asset Group · Ft. Lauderdale, FL
Florida consistently ranks among the top 5 states nationally for seller-financed note creation — with over 7,600 privately held notes originated each year. From coastal condos and retirement communities to inland land and commercial properties, Florida's diverse real estate market creates a wide variety of private notes. Many owners of these owner financed and seller financed notes eventually decide to sell mortgage note Florida holdings for a lump sum rather than wait out years of monthly payments, and our team helps them do it with a clear, no-pressure process.
We serve note holders statewide — including dedicated pages for Pensacola, Tallahassee, Jacksonville, Daytona Beach, Kissimmee, and Lakeland.
Selling in West Palm Beach or Palm Beach County? See our dedicated page: Sell Your Mortgage Note in West Palm Beach →
Looking for a dedicated Miami page? Sell Your Mortgage Note in Miami — Miami-Dade County →
Selling a note in Boca Raton specifically? Sell Your Mortgage Note in Boca Raton →
Looking for a Fort Lauderdale-specific note buyer? Sell Your Mortgage Note in Fort Lauderdale — Moxxie's Home City →
Want a deeper look at Florida mortgage note law, foreclosure timelines, and what affects your note's value? Read our complete guide: How to Sell Your Owner Financed Mortgage Note in Florida — A Complete Guide →
Coastal & Condo Notes
South Florida's high-value condo and single-family market produces a significant share of seller-financed notes — many with strong borrower profiles and solid payment histories.
Land & Rural Notes
Central and North Florida see a large volume of land notes and owner-financed rural parcels. These can be excellent candidates for a review regardless of borrower credit.
Multi-Family & Commercial
Duplex, triplex, and small commercial seller-financed notes are common throughout Florida's growing metros. We review these alongside residential notes.
Sell Your Mortgage Note Anywhere in Florida — We Buy Statewide
Florida is one of the top three states for seller-financed notes nationally. From South Florida condos to Central Florida investment homes to North Florida rural land — Moxxie Asset Group buys Florida mortgage notes statewide. Whether your note is owner financed, seller financed, or held privately between two parties, we make it easy to sell mortgage note holdings anywhere in the state, and you can request a FREE Note Review whenever you're ready.
Sell Your Mortgage Note in Miami, Fort Lauderdale & South Florida
South Florida generates significant seller-financed note volume, particularly on condos, investment properties, and multi-family homes. We buy notes in Miami-Dade, Broward, and Palm Beach counties. Florida's judicial foreclosure timeline (8–14 months) is an important factor — many South Florida note holders choose to sell rather than manage a default themselves.
Sell Your Mortgage Note in Orlando & Central Florida
The Orlando metro area — including Orange, Osceola, Seminole, and Lake counties — is one of Florida's most active seller-financing markets. We buy mortgage notes on Orlando area homes, vacation properties near theme parks, and investment rentals throughout Central Florida.
Sell Your Mortgage Note in Tampa, St. Petersburg & Southwest Florida
Tampa Bay, Sarasota, Naples, and Fort Myers generate strong seller-financed note volume, especially on retirement and vacation properties. We purchase mortgage notes throughout Hillsborough, Pinellas, Sarasota, Lee, and Collier counties.
Sell Your Mortgage Note in Jacksonville & North Florida
Jacksonville and North Florida's rural counties see significant seller-financing activity, particularly on land and agricultural properties. We buy notes in Duval, St. Johns, Clay, Nassau, and surrounding counties, including rural Panhandle properties from Pensacola to Tallahassee.
Don't see your city? We buy notes in every county in Florida. Call 954-466-7111 or submit your note details below.
Request a FREE Note ReviewHow Selling Your Florida Note Works
Request Your Free Review
Fill out the form below with basic details about your note. Even partial information is fine — we'll work with what you have.
We Review and Connect
Our team reviews your submission and reaches out to discuss your note, your goals, and what options may be available — no pressure, no sales pitch.
Review Your Options
If your note qualifies and you want to move forward, we prepare a formal offer — full purchase or partial. You decide. No cost. No obligation.
Close and Receive Funds
Once you accept an offer, we handle the paperwork and Florida-specific recording requirements. Most closings complete within 3 to 5 weeks.
Free — No Obligation
Ready to Sell Your Mortgage Note in Florida?
Our team reviews your note details and responds within one business day — no fees, no pressure, no obligation.
What Note Buyers Are Actually Evaluating
When our team reviews your note, here is what we are looking at — and how each factor affects your offer:
The creditworthiness of the borrower making payments on your note. A stronger credit score signals lower default risk and directly improves your offer. Even a rough credit range — strong, fair, or weak — helps us evaluate the note before a full review.
The larger the original down payment, the more skin in the game the borrower had from day one. A 10%+ down payment is a strong signal of borrower commitment and significantly reduces default risk — making your note more attractive to note buyers.
The remaining loan balance divided by the current property value. Lower LTV means more equity in the property — the single biggest pricing factor.
How many consecutive on-time payments the borrower has made. 12+ months of clean payment history significantly improves your offer.
First position notes are far easier to sell than second position notes. A second lien means another lender has priority claim on the property — that adds risk and typically reduces the offer significantly.
Higher interest rates on your note generally mean a better yield — and therefore a better offer — for the note buyer.
Single-family residential notes in desirable markets command better pricing than rural land or commercial notes. Strong markets like Miami, Fort Lauderdale, Atlanta, Houston, and Phoenix are favorable.
Deed of trust states with faster non-judicial foreclosure timelines are generally more favorable for note buyers — and that can translate into a slightly better offer for you.
How long ago the note was created. Very new notes with under 6 months of payment history are harder to price — but once seasoning builds, age alone is rarely a deciding factor.
Whether the property is owner-occupied, tenant-occupied, or vacant. Owner-occupied is the preferred scenario, but tenant-occupied notes are still purchasable. Vacant properties carry the most risk.
The price the property sold for when the note was created. Helps verify the transaction was arm's length and the original LTV was reasonable — useful context but rarely changes the offer on its own.
Very small note balances — typically under $30,000–$40,000 — can be harder to sell because transaction costs consume more of the yield. Not a dealbreaker, but it may affect pricing on smaller notes.
Whether the note is fully amortizing, interest-only, or has a balloon payment. Standard amortizing notes are the easiest to price. Balloon and interest-only structures are purchasable but require additional analysis.
Want to know exactly what documents we need? See our full Note Documents Checklist for a step-by-step breakdown of everything to gather before your review.
Looking to sell mortgage note proceeds for a lump sum? Moxxie Asset Group purchases seller financed, owner financed, and private mortgage notes backed by Florida real estate. Whether your note is a deed of trust, mortgage, or land contract — we are your trusted Florida mortgage note buyer. As active note buyers in Florida, we evaluate all note types quickly and honestly.
We Buy All Types of Seller-Financed NotesWe Buy Mortgages, Trust Deeds & Land Contracts in Florida — Sell Your Mortgage Note for a Your Payments for a Lump Sum
Seller-financed notes go by many names — seller-financed mortgage note, owner-financed mortgage note, or private mortgage note. Whatever you call yours, Moxxie Asset Group buys them. We purchase mortgages, deeds of trust, and contract for deed (though disfavored in FL — title-transfer mortgages preferred)s across Florida. Florida's judicial foreclosure timeline of 8–14 months is one reason many note holders choose to sell rather than wait out a default.
📍 We serve all of Florida: Miami-Dade, Broward, Palm Beach, Orlando, Tampa, Jacksonville, Sarasota, Fort Lauderdale, and West Palm Beach.
Can I sell my owner-financed mortgage note in Florida?
Yes. Owner-financed mortgage notes — also called seller-financed notes or private mortgage notes — are fully transferable in Florida. The note is endorsed to the buyer and the mortgage is assigned via a recorded assignment. Florida Stat. §494.0075 requires disclosure of an opinion of value and a preliminary title report when selling to a non-institutional investor. Contact Moxxie Asset Group at 954-466-7111 for a free review.
Can I sell my private mortgage note in Florida?
Yes. Private mortgage notes — also called owner-financed or seller-financed notes — are bought and sold regularly in Florida. Moxxie Asset Group purchases Florida private mortgage notes statewide, including notes on residential homes, condos, and investment properties. Call 954-466-7111 or submit your note details for a free, no-obligation quote.
Does Moxxie Asset Group buy mortgages, trust deeds, and land contracts in Florida?
Yes. We buy seller-financed mortgages, deeds of trust, and contracts for deed (land contracts) in Florida. We accept full purchases, partial purchases, and split payment structures. Florida primarily uses mortgages for seller-financed transactions — land contracts are less common and disfavored under Florida law. Call 954-466-7111 to discuss your specific instrument.
Florida Note Law & Transfer Process
What You Need to Know About Selling a Note in Florida
Instrument & Foreclosure Type
Florida is a lien-theory state, so seller-financed transactions are secured by a standard mortgage — not a deed of trust. If a note ever goes into default, Florida requires judicial foreclosure through the court system (Fla. Stat. Ch. 702), and the process typically takes 8 to 14 months for an uncontested case, with the final judgment sale set 20 to 35 days out under Fla. Stat. § 45.031. Contested cases or backlogged counties like Miami-Dade and Broward can stretch well beyond a year.
Anti-Deficiency Protection
Florida offers only limited anti-deficiency protection. Under Fla. Stat. § 702.06, a deficiency judgment on owner-occupied residential property is capped at the difference between the outstanding debt and the property's fair market value at the time of sale — but deficiency judgments themselves are generally still permitted. Purchase-money mortgages receive some added scrutiny, but there is no blanket prohibition on deficiencies as in states like California or Washington.
Documents Required to Transfer Your Note
- Assignment of Mortgage, recorded in the county where the property is located
- Allonge or endorsement of the original promissory note, in blank or to a specific party, under UCC Article 3 as adopted in Fla. Stat. Ch. 673
- The original note itself — possession is required to enforce the note as holder
- A Lost Note Affidavit under Fla. Stat. § 673.3091 if the original note cannot be located
Recording Fees & Transfer Taxes
Florida charges a documentary stamp tax of $0.35 per $100 of indebtedness on new promissory notes under Fla. Stat. § 201.08. Assigning an existing note or mortgage generally does not trigger additional doc stamps since no new indebtedness is created, but recording the assignment still requires standard county fees — roughly $10 for the first page and $8.50 for each additional page. Note that the underlying mortgage may also have been subject to Florida's separate 0.2% intangible tax under Fla. Stat. Ch. 199 at origination.
State-Specific Note Holder Rules
Fla. Stat. § 701.01 governs the assignment of mortgages and is the key statute confirming that a mortgage assignment carries with it the debt it secures. Florida also recognizes holder-in-due-course protections under the UCC, which affect how a purchased note can be enforced. There is no dedicated statewide "contract for deed" statute as in Texas, so seller-financed and land contract transactions fall under general contract and mortgage law.
This information is provided for educational purposes only and does not constitute legal advice. Consult a qualified attorney for guidance specific to your situation. Sources: Florida Statutes § 702.06, Florida Foreclosure Help.
Florida Note Holder FAQ
Can I sell my seller-financed mortgage note in Florida?
Yes — and Moxxie Asset Group is an active Florida mortgage note buyer serving all counties statewide. Yes. Florida is one of the most active states for seller-financed notes, with thousands of private mortgage notes created each year. Whether your note is secured by a single-family home in Orlando, a condo in Miami or Fort Lauderdale, or land in a rural county, Moxxie Asset Group can review your note and discuss your options at no cost.
How does the note buying process work in Florida?
When you're ready to sell mortgage note proceeds for a lump sum, the process starts with a free note review. You share the basic details about your note — balance, payment terms, property type, payment history — and we review them and contact you to discuss options. Because Florida is a lien-theory state, transferring your note requires a recorded Assignment of Mortgage plus an allonge or endorsement of the original promissory note under Fla. Stat. Ch. 673 (and a Lost Note Affidavit under Fla. Stat. § 673.3091 if the original is missing). If your note ever required foreclosure, Florida's judicial process (Fla. Stat. Ch. 702, § 45.031) typically takes 8 to 14 months, and any deficiency judgment is capped by Fla. Stat. § 702.06 at the difference between the debt and the property's fair market value — our team accounts for all of this when reviewing and valuing your note.
What types of Florida properties are eligible?
We review notes secured by single-family homes, condos and townhomes, multi-family properties, land, and commercial real estate throughout Florida. Florida's diverse market means we see a wide variety of note structures and property types, and we are experienced with all of them.
Do I have to sell my entire note?
No. Many Florida note holders choose a partial sale — selling a set number of future payments in exchange for a lump sum today, while retaining the remaining payment stream. This can be the best of both worlds: immediate cash now with ongoing income later. Most note buyers in Florida offer both full and partial purchase options.
What is my Florida mortgage note worth?
Value depends on several factors: remaining balance, interest rate, payment history, loan-to-value ratio, property type, and borrower creditworthiness. The best way to find out is to request a free review — we give you an honest assessment with no pressure or obligation.
Does Moxxie buy notes across all of Florida?
Yes. We review and purchase notes backed by properties throughout Florida — including Miami-Dade, Broward, Palm Beach, Orange, Hillsborough, Duval, and all other counties. Florida is one of our most active and experienced markets.
Why Florida Note Holders Choose Moxxie Asset Group
Selling a mortgage note is a one-time decision for most note holders. You deserve a buyer who is straightforward, experienced with Florida notes, and focused on your outcome — not just a quick close at the lowest possible price.
We Know Florida Notes
Our team understands this market, the mortgage structure used in this state, and what makes a note trade at full value. We review notes statewide and give you an honest, informed assessment — not a lowball offer.
Honest, No-Pressure Process
Our team reviews your note and responds within one business day. We walk you through exactly how we arrived at our offer — no mystery pricing, no bait-and-switch, no pressure. If a full sale isn't right for you, we'll tell you. A partial note purchase may be a better fit.
Free Review — No Fees, Ever
There are no upfront fees, no application costs, and no obligation attached to your review. We cover our costs at closing — only if you decide to sell. Call 954-466-7111 or request your free review below.
Request a FREE Note ReviewReal Feedback From Real People
“I highly recommend Dawn for her exceptional expertise in seller financed notes. She provided invaluable guidance, clarifying the process and offering insights into structuring deals for maximum return. Her assistance was clear, concise, and instrumental in structuring successful deals.”
“I was pleasantly surprised that you were willing to give me advice as a newer investor from an objective position trying to help me move forward. Free advice, no expectations, and a kind demeanor. You were knowledgeable, patient, and definitely have an abundance mindset!”
“I had a very informative conversation with Dawn that will be extremely helpful in my journey as a real estate agent focusing on seller financing. Dawn is super knowledgeable in structuring seller notes so they can sell at top dollar. I highly recommend connecting with her.”
Find Out What Your Florida Note Is Worth
Share a few details and we'll get back to you with a no-obligation review. Easy, free, confidential, and no commitment required. We buy notes nationwide.
Prefer to talk? Call us at 954-466-7111
No pressure or obligation offer · We Buy Notes Nationwide · Sell all or part of your note · Response usually within 1–3 business days