Most note holders simply call it a mortgage note — and that is perfectly fine. Whether you refer to it as a mortgage note, a deed of trust note, or a seller-financed note, Moxxie Asset Group reviews and purchases them all.
Request a FREE Note ReviewSell Your Mortgage Note in Georgia — Trusted Note Buyer Statewide
Georgia ranks in the top 5 nationally for seller-financed notes. Whether you hold a seller financed deed to secure debt, an owner financed installment note, or a private mortgage note on any Georgia property, Moxxie Asset Group is a trusted Georgia mortgage note buyer. Whether you're holding a note on an Atlanta suburb home, a rural South Georgia parcel, or coastal Savannah property — we can give you a free, honest review of your options. No pressure. No obligation. Call 954-466-7111 or request a free review below.
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Georgia
Georgia Is One of the Fastest-Growing Seller-Financing Markets in the Southeast
Dawn — Senior Seller Finance Note Advisor & Analyst
Moxxie Asset Group · Ft. Lauderdale, FL
Georgia consistently ranks 5th nationally for seller-financed note creation. The Atlanta metro area's explosive suburban growth, combined with significant rural land sales across South and Central Georgia, creates a diverse and active note market. If you want to sell your Georgia note quickly and fairly — working with an experienced mortgage note buyer matters — and Moxxie Asset Group reviews owner financed, seller financed, and privately held notes from every corner of the state.
Want a deeper look at Georgia 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 Georgia — A Complete Guide →
Atlanta Metro Suburban Notes
The metro Atlanta region generates a high volume of seller-financed residential notes — often created by investors, estate sales, or sellers who prefer installment-sale tax treatment.
Rural Land Notes
South and Central Georgia produce a large share of seller-financed land notes — timberland, farmland, and rural residential parcels where owner-financing is common.
Coastal & Commercial Notes
Savannah's growing market and coastal communities produce both residential and small commercial seller-financed notes that we actively review and purchase.
Sell Your Mortgage Note Anywhere in Georgia — We Buy Statewide
Georgia's fast non-judicial foreclosure (30–60 days) makes Georgia notes among the most attractive to buyers nationally — which means better pricing for sellers. As an active Georgia mortgage note buyer, Moxxie Asset Group buys Georgia mortgage notes and security deeds statewide, whether you want to sell your Georgia note in full or as a partial purchase.
Sell Your Mortgage Note in Atlanta Metro
Atlanta and its suburbs — Fulton, Gwinnett, Cobb, DeKalb, Clayton, and Cherokee counties — generate the highest seller-financed note volume in Georgia. We buy notes on Atlanta investment properties, single-family rentals, and suburban homes throughout the 29-county metro area.
Sell Your Mortgage Note in Savannah & Coastal Georgia
Savannah's growing tourism and retirement market creates seller-financing opportunities on residential and vacation properties. We purchase notes in Chatham, Bryan, Effingham, and Liberty counties, as well as Sea Island and Golden Isles coastal properties.
Sell Your Mortgage Note in Augusta, Columbus & Macon
Georgia's mid-size cities — Augusta, Columbus, Macon, and Albany — have active seller-financing markets driven by military installations and affordable housing. We buy notes throughout Richmond, Muscogee, Bibb, and surrounding counties.
Sell Your Mortgage Note in North Georgia Mountains & Rural Georgia
North Georgia mountain properties and South Georgia agricultural land both generate unique seller-financing situations. We buy notes on cabins, vacation homes, farms, and rural properties throughout all 159 Georgia counties.
Don't see your city? We buy notes in every county in Georgia. Call 954-466-7111 or submit your note details below.
Request a FREE Note ReviewAll Georgia Cities & Regions We Serve
How Selling Your Georgia Note Works
Request Your Free Review
Fill out the form with basic details about your note. Partial information is fine — we will work with what you have.
We Review and Connect
Our team reviews your submission and reaches out to discuss your note, goals, and options — no pressure, no sales pitch.
Review Your Options
If your note qualifies and you want to proceed, we prepare a formal offer — full purchase or partial. You decide at every step.
Close and Receive Funds
We handle all Georgia paperwork and recording requirements. Most closings complete within 3 to 5 weeks of document receipt.
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, 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.
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Ready to Sell Your Mortgage Note in Georgia?
Our team reviews your note details and responds within one business day — no fees, no pressure, no obligation.
We Buy Mortgages, Trust Deeds & Land Contracts in Georgia — Sell Your Mortgage Note 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. As a dedicated mortgage note buyer, we purchase deed to secure debt (security deed)s, deeds of trust, and land contracts across Georgia. Georgia's non-judicial foreclosure takes only 30–60 days — the fastest in the nation — which makes Georgia notes more attractive to note buyers and can mean better pricing for sellers who want to sell your Georgia note quickly.
📍 We serve all of Georgia: Atlanta metro, Savannah, Augusta, Columbus, Macon, Athens, and all Georgia counties.
Can I sell my owner-financed mortgage note in Georgia?
Yes. Owner-financed notes in Georgia — secured by a Deed to Secure Debt rather than a traditional mortgage — are fully transferable. The note is endorsed to the buyer and the security deed is assigned. Georgia's fast 30-60 day non-judicial foreclosure makes Georgia notes attractive to buyers, which can mean better pricing for you. Call Moxxie Asset Group at 954-466-7111 for a free review.
Can I sell my private mortgage note in Georgia?
Yes. Private mortgage notes in Georgia (also called seller-financed or owner-financed notes) are regularly bought and sold. Moxxie Asset Group purchases Georgia private mortgage notes statewide. Whether your note is secured by a Deed to Secure Debt or a land contract, call 954-466-7111 for a free, no-obligation quote.
Does Moxxie Asset Group buy mortgages, security deeds, and land contracts in Georgia?
Yes. We buy seller-financed notes secured by Georgia Deeds to Secure Debt, mortgages, and land contracts. Georgia primarily uses the Deed to Secure Debt instrument (not a traditional mortgage), so many Georgia note holders search for 'sell my mortgage note' when their instrument is technically a security deed — both are fully buyable. Call 954-466-7111 to discuss your note.
Georgia Note Law & Transfer Process
What You Need to Know About Selling a Note in Georgia
If your buyer stops paying — you are protected
Georgia law handles the process without going to court in most cases. It takes about 30–45 days after required notice and you never have to hire a lawyer or go in front of a judge for the standard process. (Security Deed — non-judicial process)
What happens if the property is ever taken back
Georgia requires the lender to go through a court confirmation process before collecting any deficiency. In practice this limits your buyer's personal exposure and protects you as the note holder from unpredictable outcomes. (O.C.G.A. § 44-14-161)
Documents we handle for you
When you sell your note, we take care of all the paperwork — including recording the transfer with the county. You do not need to figure out what documents are needed or how to file them. We walk you through everything step by step.
Does it cost anything to transfer my note?
Georgia's transfer tax applies to property deeds — not to security deed assignments. A small recording fee of about $10–$25 applies when the note transfer is recorded. We explain all costs before you commit to anything.
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: O.C.G.A. § 44-14-161, O.C.G.A. § 44-14-64.
Georgia Law for Note Holders
Georgia Seller Financing Law — What Every Note Holder Must Know
Before you sell your Georgia note, it helps to understand the state-specific rules that govern seller financed and owner financed notes. Georgia's legal structure is different from most states, and it directly affects how quickly a note can be sold and what it's worth.
1. Georgia Security Deed Structure
Georgia uses a security deed (also called a "deed to secure debt") — not a deed of trust and not a traditional mortgage. At closing, the seller or lender receives the security deed while the buyer holds equitable title to the property. Legal title actually stays with the lender or seller until the note is paid in full and a deed of reconveyance is recorded. This is a critical distinction: Georgia is one of only a handful of states using this title-theory structure, and it's why note buyers pay close attention to Georgia paper — the security deed gives the note holder a stronger legal position at foreclosure than a note holder in a lien-theory state. Key statute: O.C.G.A. § 44-14-60 through § 44-14-85.
2. Non-Judicial Power of Sale Foreclosure — the Fastest in the Southeast
Georgia allows non-judicial foreclosure under the power of sale clause contained in the security deed. Under O.C.G.A. § 44-14-162, notice of foreclosure must be published once a week for four consecutive weeks in the official county legal organ (newspaper). Under O.C.G.A. § 44-14-162.2, written notice must also be sent to the debtor at least 30 days before the sale date. Foreclosure sales occur on the first Tuesday of each month at the county courthouse, between 10am and 4pm. The entire process from first notice to sale can take as little as 37 days — one of the fastest foreclosure timelines in the nation. There is no judicial confirmation required to hold the sale itself, and no redemption period for the borrower afterward.
3. Deficiency Judgments — O.C.G.A. § 44-14-161
Georgia is a recourse state, meaning deficiency judgments are allowed after foreclosure. However, the lender must confirm the sale within 30 days after the foreclosure sale by filing a confirmation petition with the Superior Court. The court must confirm that the sale was conducted properly and that the property brought its true market value. If the sale price was less than fair market value, the court sets the allowable deficiency based on fair market value — not the actual sale price. This confirmation requirement under O.C.G.A. § 44-14-161 is unique to Georgia and exists specifically to protect borrowers from low-bid deficiency judgments.
4. Recording Requirements
Security deeds must be recorded in the county where the property is located under O.C.G.A. § 44-2-1. Georgia follows a "race-notice" recording statute — the first party to record generally wins against subsequent purchasers who lack notice. When a note is transferred, the security deed must be assigned and that assignment recorded in the same county. An unrecorded assignment can create title issues that will delay — or kill — a note sale. Georgia has 254 counties, each with its own Superior Court Clerk recording office, so knowing exactly where your security deed is recorded matters when you sell your Georgia note.
5. Note Transfer & Assignment in Georgia
The promissory note transfers by endorsement — either blank or specific. The security deed, however, requires a written Assignment of Security Deed that is executed, acknowledged (notarized), and recorded with the county Superior Court Clerk. Unlike some states, Georgia does not require the note and security deed to be transferred simultaneously, though they should always be kept together. After purchase, Moxxie Asset Group records the Assignment of Security Deed in the applicable Georgia county, and the borrower is notified of the transfer as required under RESPA for qualifying loans.
6. Georgia SAFE Act & Mortgage Licensing
Georgia adopted the federal SAFE Act through O.C.G.A. § 7-1-1000 et seq. and the Georgia Residential Mortgage Act (GRMA). Seller-financers originating residential mortgage loans in Georgia must comply with licensing requirements unless exempt. A key exemption applies to individuals who sell their own property and carry the financing themselves — they are generally exempt under the GRMA for a limited number of transactions per year. Sellers who regularly engage in owner financed or seller financed deals across multiple properties may be considered mortgage loan originators and require licensing. The Georgia Department of Banking and Finance (GDBF) enforces these rules statewide.
7. What Makes Georgia Notes Attractive to Note Buyers
- The security deed structure gives note buyers a stronger legal title position than in most states
- One of the fastest non-judicial foreclosure timelines in the Southeast — first Tuesday sales, 37-day minimum process
- Georgia's race-notice recording statute rewards prompt recording and creates clear lien priority
- The Atlanta metro area has strong property values and high note volume
- Augusta, Savannah, and Macon markets are active for seller financed land and residential notes
- A strong agricultural land note market exists in South Georgia and the coastal plains
Moxxie Asset Group buys Georgia security deed notes statewide — from Atlanta suburbs to South Georgia farmland. Call 954-466-7111 or submit your note for a free review.
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: O.C.G.A. § 44-14-162 (foreclosure notice), O.C.G.A. § 44-14-161 (deficiency judgment confirmation), O.C.G.A. § 44-14-60 (security deed), and the Georgia Department of Banking and Finance (GRMA/SAFE Act).
Georgia Note Holder FAQ
Can I sell my seller-financed mortgage note in Georgia?
It starts with a free review — you share basic details about your note and we get back to you within one business day. If your note qualifies and you want to move forward, we prepare a written offer. You review it and decide — no pressure either way. If you say yes, we handle all the paperwork and you receive your lump sum at closing, typically within 3 to 5 weeks when all documents are received and title is clear.
How does the note buying process work in Georgia?
The process starts with a free note review of your note's balance, terms, property type, and payment history. Because Georgia uses a Security Deed rather than a traditional mortgage, transferring your note requires a recorded Transfer of Security Deed under O.C.G.A. § 44-14-64 along with an allonge or endorsement of the promissory note to preserve a clean chain of title. Georgia's non-judicial foreclosure process can move quickly — often 30 to 60 days — but any deficiency judgment requires the lender to obtain judicial confirmation of the sale price within 30 days under O.C.G.A. § 44-14-161. Our team factors these Georgia-specific requirements into every note review and closing.
What types of Georgia notes does Moxxie buy?
We review notes secured by single-family homes, land, multi-family properties, and commercial real estate throughout Georgia. Atlanta metro suburban notes and South Georgia land notes are two of our most common Georgia note types.
Do I have to sell the entire note?
No. A partial note sale lets you access a lump sum of cash now while continuing to receive monthly payments on the remainder of your note. It is a popular option for Georgia note holders who need liquidity without giving up all future income.
How much is my Georgia mortgage note worth?
Value depends on remaining balance, interest rate, loan-to-value ratio, payment history, property type, and borrower profile. Request a free review for an honest, no-pressure assessment.
Does Moxxie buy notes across all of Georgia?
Yes. We review and purchase notes backed by properties throughout Georgia — Atlanta metro, Savannah, Augusta, Columbus, Macon, and all rural and suburban counties statewide.
I have a seller-financed note in Georgia — can you buy it?
Yes. If someone is making monthly payments to you on a property you sold using owner financing — you have a seller-financed note and we can review it. In Georgia these notes are sometimes called security deed notes instead of mortgage notes — but the name does not matter. Whatever you call it — if someone owes you payments on a property you sold, we want to hear from you.
The Complete Guide to Selling Your Owner Financed Note in Georgia
Security deeds, fast foreclosure, and strong Atlanta-area markets — what Georgia note holders need to know.
Read the Guide →Why Georgia 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 Georgia notes, and focused on your outcome — not just a quick close at the lowest possible price.
We Know Georgia Notes
Our team understands this market, the deed of trust 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 Georgia Note Is Worth
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No pressure or obligation offer · We Buy Notes Nationwide · Sell all or part of your note · Response usually within 1–3 business days