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 Oregon — Trusted Note Buyer Statewide
Oregon's diverse real estate market — from Portland's active urban investor scene and Bend's resort community growth to Willamette Valley farmland and Eastern Oregon ranch land — creates a steady and varied volume of seller-financed mortgage notes. Whether you hold a seller financed trust deed, an owner financed installment note, or a private mortgage note on any Oregon property, Moxxie Asset Group is a trusted Oregon mortgage note buyer. Ready to sell your mortgage note in Oregon? We can provide 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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Oregon
Oregon's Mix of Urban Growth and Rural Land Creates a Diverse Seller Financed Note Market
Dawn — Senior Seller Finance Note Advisor & Analyst
Moxxie Asset Group · Ft. Lauderdale, FL
Oregon produces seller financed and owner financed notes across a wide range of property types — Portland metro investment properties, Bend resort and vacation homes, Willamette Valley agricultural land, and Eastern Oregon ranch parcels. As an experienced Oregon mortgage note buyer, our team understands all of Oregon's distinct note markets and helps note holders sell your Oregon note with confidence.
Oregon complete guide: How to Sell Your Owner Financed Mortgage Note in Oregon — A Complete Guide →
Portland Metro & Willamette Valley Notes
The Portland metro area — including surrounding suburbs in Washington County, Clackamas County, and the broader Willamette Valley — generates seller-financed notes on residential homes, investment properties, and small commercial real estate driven by consistent population growth.
Bend, Central Oregon & Coastal Notes
Bend's explosive growth and resort community appeal, combined with Oregon Coast vacation properties, produce seller-financed notes on higher-value homes and vacation properties that require specialized evaluation.
Agricultural, Ranch & Eastern Oregon Notes
Oregon's Willamette Valley vineyards, Eastern Oregon ranches, and Klamath Basin agricultural land produce seller-financed notes on farms, orchards, and rural parcels that we actively review and purchase statewide.
We Buy Notes Across All of Oregon
Oregon has two distinct seller-financing instruments — Promissory Note/Trust Deed and Land Sale Contract (ORS 93.905) — each with different default remedies. As a dedicated mortgage note buyer, Moxxie Asset Group buys both seller financed and owner financed notes statewide, and note buyers like us can help you sell your Oregon note quickly and fairly.
Sell Your Mortgage Note in Portland & the Willamette Valley
Portland and the Willamette Valley — Salem, Eugene, and Corvallis — generate Oregon's highest seller-financed note volume. We buy notes throughout Multnomah, Washington, Clackamas, Marion, Linn, and Lane counties. Oregon's non-judicial foreclosure (~140 days) and no-deficiency protections make Portland-area notes attractive to buyers.
Sell Your Mortgage Note in Bend & Central Oregon
Bend has been one of Oregon's fastest-growing markets, driving significant seller-financing activity on residential and vacation properties. We purchase notes in Deschutes, Jefferson, and Crook counties. Central Oregon's outdoor recreation economy creates demand for seller-financed cabin and recreational property notes.
Sell Your Mortgage Note in Medford, Ashland & Southern Oregon
Southern Oregon — Medford, Ashland, Grants Pass, and Klamath Falls — generates seller-financed notes on residential and rural properties. We buy notes in Jackson, Josephine, and Klamath counties.
Sell Your Mortgage Note in Coastal Oregon & Eastern Oregon
Oregon's coast — Newport, Lincoln City, Astoria — generates seller-financed vacation and retirement property notes. Eastern Oregon's agricultural communities — Pendleton, La Grande, Ontario — create rural land and farm note opportunities. We buy notes throughout all 36 Oregon counties.
Don't see your city? We buy notes in every county in Oregon. Call 954-466-7111 or submit your note details below.
Request a FREE Note ReviewAll Oregon Cities & Regions We Serve
How Selling Your Oregon 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 Oregon paperwork and recording requirements. Oregon is a deed-of-trust state with a non-judicial trustee's sale process. 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 Oregon?
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 Oregon — 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 — an experienced Oregon mortgage note buyer — buys them. We purchase deeds of trust, mortgages, and land sale contracts (ORS 93.905) across Oregon. Oregon has two distinct seller-financing instruments: a Promissory Note/Trust Deed (non-judicial foreclosure, ~140 days, no deficiency judgment) vs. a Land Sale Contract (contract forfeiture under ORS 93.905 — a very different default remedy). Knowing which one you have matters before you sell your mortgage note. As a trusted note buyer, we help note holders sell your Oregon note with a fast, transparent process.
📍 We serve all of Oregon: Portland, Eugene, Salem, Bend, Medford, Gresham, and all Oregon counties.
Can I sell my owner-financed mortgage note in Oregon?
Yes. Owner-financed notes in Oregon — secured by a deed of trust — are fully transferable. Oregon's non-judicial foreclosure takes ~140 days and no deficiency judgment is available for residential property. ORS 86A.203 sets MLO requirements for seller-financiers. Notes properly originated are straightforward to sell. Call Moxxie Asset Group at 954-466-7111 for a free review.
Can I sell my private mortgage note in Oregon?
Yes. Private mortgage notes in Oregon — also called owner-financed or seller-financed notes — are regularly bought and sold. Oregon also has Land Sale Contracts (ORS 93.905) which are a distinct instrument with different default remedies. Moxxie Asset Group purchases Oregon private mortgage notes and land sale contracts statewide. Call 954-466-7111 for a free, no-obligation quote.
Does Moxxie Asset Group buy mortgages, deeds of trust, and land sale contracts in Oregon?
Yes. We buy seller-financed notes secured by Oregon deeds of trust, mortgages, and land sale contracts. Oregon's two seller-financing structures — Promissory Note/Trust Deed vs. Land Sale Contract — have very different default remedies (non-judicial foreclosure vs. forfeiture under ORS 93.905). We can review your specific instrument. Call 954-466-7111 to discuss your Oregon note.
Oregon Note Law & Transfer Process
What You Need to Know About Selling a Note in Oregon
If your buyer stops paying — you are protected
Oregon law handles the process without going to court in most cases. It takes about 150 days and you never have to hire a lawyer or go in front of a judge for the standard process. (Deed Of Trust — non-judicial process)
What happens if the property is ever taken back
Oregon law completely bars any deficiency judgment after a non-judicial foreclosure — if the property is taken back through the standard process, your buyer's personal liability ends at the property. No lawsuit can follow. (ORS 86.770)
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?
Oregon has no state transfer tax on note assignments — only a small county recording fee, typically $15–$25 per page. We explain all costs before you commit to anything.
In-Depth Oregon Law Guide for Note Holders
Oregon Seller Financing Law — What Every Note Holder Must Know
Before you sell your Oregon note, it helps to understand the legal framework behind seller financed and owner financed notes in this state. As an experienced Oregon mortgage note buyer, Moxxie Asset Group has outlined the key statutes below so note holders can make informed decisions.
1. Oregon Trust Deed Structure (Oregon Trust Deed Act — ORS 86.705–86.815)
- Oregon is a deed of trust state — virtually all seller financed notes on Oregon real estate are secured by a Trust Deed (also called a Deed of Trust).
- Three parties are involved: the Grantor (buyer/borrower), the Trustee (a neutral third party), and the Beneficiary (the seller/note holder).
- Legal title is held by the Trustee, while equitable title goes to the buyer at closing.
- The Trust Deed must be recorded with the County Clerk/Recorder in the county where the property is located.
- Oregon also permits mortgages (ORS Chapter 86), but trust deeds dominate because they allow non-judicial foreclosure.
- Upon full payment, the Trustee issues a Deed of Reconveyance, which must be recorded to clear the lien.
2. Non-Judicial Foreclosure (ORS 86.752–86.815)
- Oregon allows non-judicial trustee's sale foreclosure under the Oregon Trust Deed Act.
- Prerequisites under ORS 86.752: the trust deed and all assignments must be recorded, a default must exist, and a Notice of Default must be filed and recorded.
- Notice of Default is filed with the county recorder; the borrower has a 120-day right-to-cure period from the date of recording (ORS 86.778).
- Notice of Sale must be published once a week for 4 consecutive weeks and served or mailed to the borrower (ORS 86.771).
- The minimum timeline from Notice of Default to sale is approximately 120 days.
- Oregon also requires a Resolution Conference (mediation) for owner-occupied residential properties when the lender conducts more than 30 foreclosures per year (ORS 86.726) — most individual seller-financers are exempt from this requirement.
- The sale is conducted by the Trustee at public auction.
3. Anti-Deficiency Protection (ORS 86.797)
- Oregon's Trust Deed Act provides anti-deficiency protection after a non-judicial trustee's sale under ORS 86.797.
- After a trustee's sale, the beneficiary (note holder) cannot sue the borrower for any remaining deficiency balance — the sale proceeds are the lender's only remedy.
- Exception: if the lender chooses judicial foreclosure instead (ORS Chapter 88), deficiency judgments are available, but the borrower gets a 180-day redemption period.
- This is a critical consideration for any note buyer: Oregon non-judicial foreclosure means no deficiency and no redemption, while judicial foreclosure allows a deficiency but grants redemption rights.
- Most seller-financers in Oregon use the non-judicial path for speed and simplicity, accepting the anti-deficiency trade-off.
- Oregon's anti-deficiency rule on seller financed purchase money mortgages: ORS 88.070 provides additional anti-deficiency protection for purchase money mortgages on residential property.
4. Recording Requirements
- All Trust Deeds must be recorded with the County Clerk in the county where the property is located.
- Oregon has a "race-notice" recording statute — the first party to record wins against subsequent parties without notice.
- All assignments of the Trust Deed must be recorded before initiating non-judicial foreclosure — strictly enforced under ORS 86.752(1).
- Oregon courts have voided non-judicial foreclosures where assignments were not properly recorded — a known pitfall for any mortgage note buyer.
- Oregon has 36 counties, each with its own County Clerk recording office.
5. Note Transfer & Assignment in Oregon
- The promissory note transfers by endorsement on the note itself or on an attached allonge.
- Trust Deed transfers require a written Assignment of Trust Deed, notarized and recorded with the County Clerk before any foreclosure action.
- The Oregon Trust Deed Act strictly requires all assignments to be in the chain of record before foreclosure — missing assignments are fatal to non-judicial foreclosure.
- After purchase, Moxxie Asset Group records the Assignment of Trust Deed in the applicable Oregon county.
- Borrower notification is required under RESPA for qualifying residential loans.
6. Oregon Land Installment Contracts (ORS 93.905–93.940)
- Oregon also allows "land installment contracts" (contracts for deed) under ORS 93.905 to 93.940.
- The seller retains legal title until all payments are made; the buyer holds equitable title.
- If the buyer defaults, the seller must follow the forfeiture process under ORS 93.915: written notice to the buyer with at least 30 days to cure.
- After the cure period, if the buyer hasn't cured, the seller may declare the contract forfeited — no court action is required for forfeiture, unlike judicial foreclosure.
- However, if the buyer has paid more than 20% of the purchase price, the seller may be required to pursue foreclosure rather than simple forfeiture to avoid unjust enrichment claims.
- Land installment contracts must be recorded — ORS 93.905 requires recording within 15 days of execution.
7. What Makes Oregon Notes Attractive to Note Buyers
- The trust deed structure provides a clear, efficient non-judicial foreclosure process (roughly 120 days).
- Strict recording requirements mean well-structured Oregon notes have clean, searchable chains of title.
- The Portland/Multnomah County metro area has strong property values, providing a solid collateral base.
- Salem/Marion County and Eugene/Lane County remain active markets for seller financed residential notes.
- Eastern Oregon and rural counties stay active for agricultural and land notes.
- Oregon's population growth in the Willamette Valley supports ongoing property value appreciation.
Moxxie Asset Group buys Oregon trust deed notes statewide — from Portland suburbs to Eastern Oregon ranch land. 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. Legal references: ORS 86.705–86.815 (Oregon Trust Deed Act); ORS 86.752 (Foreclosure prerequisites); ORS 86.797 (Anti-deficiency); ORS 88.070 (Purchase money anti-deficiency); ORS 93.905–93.940 (Land installment contracts); and guidance from the Oregon Division of Financial Regulation.
Oregon Note Holder FAQ
Can I sell my seller-financed mortgage note in Oregon?
Yes — and Moxxie Asset Group is an active Oregon mortgage note buyer serving all counties statewide. Yes. Oregon produces seller-financed notes across a wide range of property types — Portland metro investment properties, Bend resort homes, Willamette Valley farmland, and Eastern Oregon ranch land. Moxxie Asset Group can review your Oregon note and discuss options at no cost.
What types of Oregon notes does Moxxie buy?
We review notes secured by single-family homes, investment properties, vacation and resort properties, agricultural land, vineyard parcels, ranch land, and commercial real estate throughout Oregon. Portland metro notes, Bend vacation property notes, and Willamette Valley agricultural notes are among the most common types we see.
Do I have to sell the entire note?
No. A partial note sale lets you access a lump sum now while continuing to receive monthly payments on the remainder. Many Oregon note holders use a partial sale to access capital while maintaining some ongoing income from their note.
How much is my Oregon mortgage note worth?
Value depends on remaining balance, interest rate, loan-to-value ratio, payment history, property type, and borrower profile. Oregon's strong Portland and Bend markets can support solid note values for well-structured notes, and agricultural and ranch parcels are increasingly in demand. Request a free review for an honest assessment.
How does selling a mortgage note work in Oregon?
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.
Does Moxxie Asset Group buy notes across all of Oregon?
Yes. We review and purchase notes backed by properties throughout Oregon — Portland, Eugene, Salem, Bend, Medford, Corvallis, and all rural and suburban counties statewide including Eastern Oregon and the Oregon Coast.
I have a seller-financed note in Oregon — 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 Oregon these notes are sometimes called deed of trust 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.
Why Oregon 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 Oregon notes, and focused on your outcome — not just a quick close at the lowest possible price.
We Know Oregon 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 Oregon 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