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 Raleigh, North Carolina
The Research Triangle — Raleigh, Durham, and Chapel Hill — is one of the Southeast's fastest-growing markets. Wake, Durham, and Orange counties generate significant private note volume. We give you a free, honest review of what your Triangle area note is worth. No pressure, no obligation. Call 954-466-7111 or request a free review below.
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Raleigh, North Carolina
Raleigh / Durham Sell Mortgage Notes — Seller-Financed & Owner-Financed Notes — What You Need to Know
Moxxie Asset Group is a trusted mortgage note buyer serving Raleigh, Durham, and the Research Triangle. The Raleigh-Durham Research Triangle — Wake, Durham, Orange, and Chatham counties — is one of the fastest-growing metro areas in the Southeast and a major North Carolina seller-financed note market. North Carolina ranks 4th nationally with over 4,400 seller-financed notes annually, and the Triangle generates a large share. The region's tech industry, major universities, and strong population growth drive both high property values and active investment property markets, both of which create seller-financing opportunities. 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 Triangle area note holders. For a broader look at note-selling rules across the state, see our North Carolina mortgage note guide.
How to Sell Your Raleigh / Durham Mortgage Note in 4 Steps
As your mortgage note buyer, we handle every step of the process from document review to funding, so selling a mortgage note in Raleigh or Durham stays simple and pressure-free.
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 Raleigh / Durham & Surrounding Areas
Sell Your Mortgage Note in Raleigh & Wake County
Raleigh and Wake County generate significant seller-financed note volume on investment properties, single-family rentals, and residential homes throughout Raleigh, Cary, Apex, Morrisville, Fuquay-Varina, and Wake Forest. Wake County's rapid population growth and strong employment base create well-collateralized notes that are attractive to buyers.
Sell Your Mortgage Note in Durham & Durham County
Durham and Durham County — home to Duke University and a growing tech sector — generate seller-financed notes particularly on investment properties and residential homes in neighborhoods like Bull City, Ninth Street, and southern Durham suburban areas. Durham's active investor market and affordable housing relative to Raleigh make seller financing common.
Sell Your Mortgage Note in Chapel Hill, Carrboro & Orange County
Orange County — Chapel Hill and Carrboro — generates seller-financed notes particularly around the UNC-Chapel Hill market on residential investment properties. Chapel Hill's university market creates consistent demand for creative financing options.
Sell Your Mortgage Note in Pittsboro, Siler City & Chatham County
Chatham County — Pittsboro and Siler City — is a growing suburban county between Raleigh and Chapel Hill generating seller-financed notes on residential homes and rural land. Chatham County's significant growth and more affordable prices relative to Wake County make seller financing a popular tool.
Don't see your area? We buy notes throughout all of North Carolina. Call 954-466-7111 or submit your note details below.
Request a FREE Note ReviewWhat 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. As an experienced mortgage note buyer, we weigh each of these factors together rather than relying on any single number:
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.
All North Carolina Cities & Regions We Serve
Seller-Financed Notes Go by Many Names in Raleigh / Durham
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 Raleigh 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 Raleigh instruments of any kind — owner financed, seller financed, or privately held — our team reviews them all at no cost. When you work with a mortgage note buyer like our team, the terminology matters less than the fact that your note is reviewed correctly and priced fairly. North Carolina 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 Raleigh / Durham and all of North Carolina.
Private Mortgage Note
A privately held promissory note secured by real estate — not originated by a bank. Private mortgage notes in Raleigh / Durham 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 Raleigh / Durham — mortgages, deeds of trust, security deeds, and land installment contracts.
Why Raleigh / Durham 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 Raleigh / Durham notes, and focused on your outcome — not just a quick close at the lowest possible price.
We Know Raleigh / Durham Notes
Our team understands the local market, the deed of trust structure used in this state, and what makes a note trade at full value. We review Raleigh / Durham 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 ReviewNorth Carolina Mortgage Note Law — What Raleigh / Durham Note Holders Need to Know
North Carolina Note Law Summary
North Carolina uses deed of trust instruments and a non-judicial foreclosure process (typically 60–120 days) with a required Clerk of Superior Court hearing. Raleigh-Durham area notes in Wake, Durham, and Orange counties require an Assignment of Deed of Trust recorded with the county Register of Deeds. NC's purchase-money anti-deficiency protection applies under G.S. §45-21.38.
Documents Required to Transfer Your Note
- Original promissory note (wet-ink)
- Recorded Deed of Trust 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: North Carolina Statutes.
Raleigh / Durham Mortgage Note Holder FAQ
Can I sell my seller-financed mortgage note in Raleigh or Durham?
Yes. The Research Triangle is one of North Carolina's most active seller-financed note markets. NC ranks 4th nationally with over 4,400 notes annually. Whether your note is on a Wake County investment property, a Durham residential home, or an Orange County rental, Moxxie Asset Group — a dedicated mortgage note buyer — can review your Triangle area note at no cost.
How does selling a mortgage note work in Raleigh-Durham?
North Carolina uses deed of trust instruments. Transferring your Triangle note requires an Assignment of Deed of Trust recorded with the Register of Deeds in Wake, Durham, or Orange County plus an endorsement of the promissory note. NC's non-judicial foreclosure (60–120 days) makes Triangle notes attractive to buyers.
What types of Raleigh-Durham notes does Moxxie buy?
We review notes secured by single-family homes, investment properties, multi-family, and commercial real estate throughout the Triangle — Wake, Durham, Orange, Chatham, and Johnston counties.
Do I have to sell my entire Raleigh-Durham note?
No. A partial note sale or split buyout is available. Both let you access a lump sum now without giving up all future income from your note.
How much is my Raleigh or Durham mortgage note worth?
Key factors are LTV ratio, seasoning, and interest rate. The Triangle's rapidly appreciating real estate market can positively affect note values. Any mortgage note buyer you talk to should walk you through these factors before making an offer. Call 954-466-7111 for a free honest assessment.
I have a seller-financed note in Raleigh — 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 North Carolina 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.
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 Raleigh / Durham 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. As your mortgage note buyer, Moxxie Asset Group is ready to give you a straight answer on what your note is worth.
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