Sell Your Mortgage Note in the Phoenix Metro Area

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 Phoenix, Scottsdale, Miami, and Atlanta 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. Arizona's approximately 90-day non-judicial process under ARS § 33-807 is one of the fastest in the nation.

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. Moxxie typically purchases notes with a remaining balance of $100,000 and above.

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.