Sell Your Mortgage Note in Miami, Fort Lauderdale & West Palm
South Florida — Miami-Dade, Broward, and Palm Beach counties — generates some of the highest seller-financed note volume in Florida. Condos, investment properties, and multi-family homes are especially common. We give you a free, honest review of what your South Florida note is worth. No pressure, no obligation. Call 954-466-7111 or request a free review below.
Fort Lauderdale — Intracoastal Waterway
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Miami, Florida
South Florida Mortgage Notes — Seller-Financed & Owner-Financed Notes — What You Need to Know
South Florida — Miami-Dade, Broward, and Palm Beach counties — is one of the most active seller-financed note markets in Florida. Florida ranks 2nd in the nation with over 8,000 seller-financed notes created annually, and South Florida generates a major share. The region's large investor community, condo market, and international buyers make seller financing a common tool. Florida's judicial foreclosure timeline (8–14 months) is a key reason many South Florida note holders choose to sell rather than manage a potential default themselves. Whether your paperwork calls it an owner financed note or a seller financed note, our team can review it and provide a free, no-obligation quote for South Florida note holders.
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 →
Quick Answer — South Florida Mortgage Notes
- State instrument: Florida uses mortgage (not deed of trust) — judicial foreclosure required
- Foreclosure timeline: 8–14 months — longer than most states
- Major markets: Miami-Dade, Broward, and Palm Beach counties
- Moxxie is local: Based in Ft. Lauderdale — we know South Florida notes
- To sell your note: Request a FREE Note Review — our team responds within one business day
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 →
How to Sell Your South Florida Mortgage Note in 4 Steps
Gather Your Documents
Gather your mortgage or deed of trust (depending on your state) along with the promissory note and the closing statement from the original sale. Call 954-466-7111 if you need help locating them.
Request a Free Review
Submit your note details below for a free, no-obligation review. Click HERE to Request a FREE Note Review
Review Your Offer
Compare the purchase price and structure — full purchase, partial sale, or split buyout. No pressure to decide immediately.
Close & Get Paid
We handle underwriting, title check, and closing costs. Once documents are signed, funds are wired directly to your bank account.
We Buy Mortgage Notes Throughout South Florida — All Three Counties
Sell Your Mortgage Note in Miami-Dade County
Miami-Dade generates significant seller-financed note volume on condos, investment properties, and multi-family units throughout Miami, Hialeah, Coral Gables, Homestead, and Miami Gardens. The county's large international buyer community and condo-heavy market create unique seller-financing situations. Florida uses mortgage instruments (not deeds of trust) for seller-financed transactions.
Sell Your Mortgage Note in Fort Lauderdale & Broward County
Broward County — Fort Lauderdale, Hollywood, Pembroke Pines, Miramar, and Coral Springs — generates seller-financed notes particularly on investment properties, single-family rentals, and vacation homes. Broward's strong rental market and growing population drive consistent seller-financing activity.
Sell Your Mortgage Note in West Palm Beach & Palm Beach County
Palm Beach County — West Palm Beach, Boca Raton, Delray Beach, and Boynton Beach — generates seller-financed notes on luxury homes, investment properties, and retirement community homes. The county's affluent and retiree-heavy population creates unique seller-financing situations, particularly on high-value residential notes.
Sell Your Mortgage Note in Keys & South Florida Coastal
The Florida Keys — Key West, Marathon, and Islamorada — generate seller-financed notes on vacation homes and waterfront properties where institutional financing is harder to obtain. Monroe County notes are common in the seller-financed market given the unique nature of Keys real estate.
Don't see your area? We buy notes throughout all of Florida. Call 954-466-7111 or submit your note details below.
Request a FREE Note ReviewSell Your South Florida Mortgage Note — Fort Lauderdale, Miami & West Palm
South Florida — the tri-county region of Miami-Dade, Broward, and Palm Beach — is one of the most active seller-financed mortgage note markets in the United States. Florida ranks #2 nationally with over 8,000 owner financed and seller financed notes created annually, and South Florida drives a major share of that volume. If you hold a private mortgage note secured by South Florida real estate, Moxxie Asset Group is the only note buyer based right here in the tri-county area — with local knowledge of the market, the properties, and the mortgage law that governs every South Florida note transfer.
Why South Florida Note Holders Sell
- Retirement or relocation out of Florida
- Snowbirds simplifying finances before moving north
- Investors cashing out equity in a strong market
- Divorce or estate settlement requiring a lump sum
- Avoiding Florida's long judicial foreclosure process (8–14 months)
- Inherited notes from family members
What Makes a South Florida Note Valuable
- Strong tri-county property values and demand
- Low loan-to-value ratio (LTV 80% or below)
- 12+ months of consecutive on-time payments
- First lien position on the property
- Properly recorded mortgage in the county of record
- Note balance typically $100,000 and above
Moxxie — Your Local South Florida Note Buyer
- Based in Fort Lauderdale, Broward County
- Reviews notes in all three South Florida counties
- Responds within one business day — no pressure
- No fees, no upfront costs — ever
- Full sale or partial note purchase available
- We buy notes nationwide — not just South Florida
South Florida Resources
Based in Fort Lauderdale · Serving Miami-Dade, Broward & Palm Beach · Response within one business day
Sell Your Mortgage Note in Miami-Dade, Broward & Palm Beach County
South Florida's three core counties — Miami-Dade, Broward, and Palm Beach — produce some of the highest seller-financed note volume in Florida. Moxxie Asset Group is based in Fort Lauderdale (Broward County) and reviews mortgage notes from all three counties every week. Whether your note is on a Miami condo, a Broward investment property, or a Palm Beach luxury home, our team knows this market — and we respond within one business day.
Miami-Dade County
Miami-Dade generates the highest seller-financed note volume in South Florida — driven by a large international buyer community, an active condo market, and neighborhoods like Coral Gables, Hialeah, Homestead, and Miami Gardens where seller financing is common. Florida uses mortgage instruments (not deeds of trust), and any note transfer requires a recorded assignment of mortgage in Miami-Dade County.
- Miami, Coral Gables, Hialeah, Miami Gardens
- Homestead, Kendall, Doral, South Miami
- Condos, investment properties, multi-family
- International buyer transactions common
Broward County
Moxxie Asset Group is headquartered in Fort Lauderdale — Broward County is our home market. We review Broward County mortgage notes regularly and know the local real estate landscape from Fort Lauderdale to Hollywood, Pembroke Pines, Miramar, and Coral Springs. Broward's strong rental market and growing population drive consistent seller-financed note activity — and our local presence means faster, better-informed reviews for Broward note holders.
- Fort Lauderdale, Hollywood, Deerfield Beach
- Pembroke Pines, Miramar, Coral Springs, Davie
- Single-family, investment properties, vacation rentals
- Local team — responds within one business day
Palm Beach County
Palm Beach County generates seller-financed notes on some of the highest-value residential properties in Florida — luxury homes, retirement community properties, and waterfront estates in West Palm Beach, Boca Raton, Delray Beach, and Boynton Beach. The county's affluent and retiree-heavy population creates seller-financing situations where owners prefer steady payments — until retirement, relocation, or estate needs make a lump sum more attractive.
- West Palm Beach, Boca Raton, Delray Beach
- Boynton Beach, Lake Worth, Palm Beach Gardens
- Luxury homes, retirement community notes
- High-value notes — typically $100,000 and above
Note in a different South Florida county? We buy mortgage notes throughout all of Florida. Call 954-466-7111 or submit your details below.
Request a FREE Note ReviewAll South Florida Cities & Regions We Serve
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.
Fort Lauderdale — A1A at Las Olas to Sunrise Boulevard
Seller-Financed Notes Go by Many Names in Miami / Fort Lauderdale
Whether you call it a seller-financed note, an owner-financed note, or a private mortgage note — it's the same instrument and we buy them all. Many Miami note holders search for help with an owner financed note or a seller financed note without realizing both terms describe the exact same type of note we purchase every week. If you want to sell mortgage note Miami instruments of any kind — owner financed, seller financed, or privately held — our team reviews them all at no cost. Florida note holders also hold mortgages, trust deeds, and land contracts. We buy all types.
Owner-Financed Mortgage Note
Same as a seller-financed note — the property seller acts as the bank, accepting monthly payments directly. We buy owner-financed notes throughout Miami / Fort Lauderdale and all of Florida.
Private Mortgage Note
A privately held promissory note secured by real estate — not originated by a bank. Private mortgage notes in Miami / Fort Lauderdale are fully transferable and regularly bought and sold.
We Buy Mortgages, Trust Deeds & Land Contracts
Sell your mortgage, deed of trust, or land contract for a lump sum. We buy all types of seller-financed instruments in Miami / Fort Lauderdale — mortgages, deeds of trust, security deeds, and land installment contracts.
Why Miami / Fort Lauderdale 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 Miami / Fort Lauderdale notes, and focused on your outcome — not just a quick close at the lowest possible price.
We Know Miami / Fort Lauderdale Notes
Our team understands the local market, the mortgage structure used in this state, and what makes a note trade at full value. We review Miami / Fort Lauderdale notes regularly and can 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 ReviewFlorida Mortgage Note Law — What Miami / Fort Lauderdale Note Holders Need to Know
Florida Note Law Summary
Florida uses mortgage instruments (not deeds of trust) and a judicial foreclosure process that typically takes 8–14 months. Florida Statutes §702.01 governs foreclosure proceedings. South Florida notes require an assignment of mortgage recorded in the applicable county. Florida's longer foreclosure timeline is a key reason note holders in Miami-Dade, Broward, and Palm Beach often choose to sell their notes rather than manage a default.
Documents Required to Transfer Your Note
- Original promissory note (wet-ink)
- Recorded Mortgage assignment
- Allonge or endorsement of the note
- Settlement statement / HUD-1 from original closing
- Payment history records
- Title insurance policy
This information is provided for educational purposes only and does not constitute legal advice. Consult a qualified attorney for guidance specific to your situation. Source: Florida Statutes.
Miami / Fort Lauderdale Mortgage Note Holder FAQ
Can I sell my seller-financed mortgage note in Miami or Fort Lauderdale?
Yes. South Florida is one of the most active seller-financed note markets in Florida. Florida ranks 2nd nationally with over 8,000 notes created annually. Whether your note is on a Miami-Dade condo, a Broward investment property, or a Palm Beach luxury home, Moxxie Asset Group can review your South Florida note at no cost.
How does selling a mortgage note work in South Florida?
Florida uses mortgage instruments (not deeds of trust) for seller financing. Florida's judicial foreclosure process (8–14 months) is longer than most states, which is why many note holders choose to sell rather than manage a default. Transferring your note requires an assignment of mortgage recorded in the applicable county (Miami-Dade, Broward, or Palm Beach). You start with a free note review submitting basic details about your note.
What types of South Florida notes does Moxxie buy?
We review notes secured by condos, single-family homes, investment properties, multi-family, and vacation properties throughout Miami-Dade, Broward, Palm Beach, and Monroe counties.
Do I have to sell my entire South Florida note?
No. A partial note sale or split buyout lets you access a lump sum now while keeping some future payment stream. Both options are available for South Florida note holders.
How much is my Miami or Fort Lauderdale mortgage note worth?
Key factors are LTV ratio (prefer 80% or less), 12+ months of on-time payments, and interest rate. Florida's longer judicial foreclosure timeline means buyers apply a larger risk discount than in non-judicial states — selling your note rather than managing a potential default yourself is often the better option. Call 954-466-7111 for a free review.
Real 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.”
Free — No Obligation
Not ready to sell yet? Get free insider note tips.
Note valuation tips, market trends & state-specific strategies — straight to your inbox.
✉ Get Free Note TipsFind Out What Your Miami / Fort Lauderdale 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