Sell Your Mortgage Note in South Texas & the Rio Grande Valley
South Texas — McAllen, Laredo, Brownsville, Harlingen, and the Rio Grande Valley — is one of the highest-volume seller-financed note markets in the state. We give you a free, honest review of what your South Texas note is worth — no pressure, no obligation. Call 954-466-7111 or request a free review below.
South Texas & the Rio Grande Valley
South Texas Sell Mortgage Notes — Seller-Financed & Owner-Financed Notes — What You Need to Know
South Texas and the Rio Grande Valley — Hidalgo County (McAllen, Edinburg, Mission), Webb County (Laredo), Cameron County (Brownsville, Harlingen), Starr County, Zapata County, and Jim Hogg County — is one of Texas's highest-volume seller-financed note markets. The border economy drives heavy owner-financed activity, and a large number of colonia properties carry seller-financed notes. Residential and commercial notes are common throughout the McAllen metro, and significant note volume comes from longtime landowners across the Valley. 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 assessment for South Texas note holders.
Want a deeper look at Texas 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 Texas — A Complete Guide → Or browse more articles on our blog.
How to Sell Your South Texas 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. Funds are typically wired within 3–5 weeks when all documents are received and title is clear.
We Buy Mortgage Notes Throughout South Texas & the Rio Grande Valley
Sell Your Mortgage Note in McAllen, Edinburg, Mission & Hidalgo County
Hidalgo County is the anchor of the Rio Grande Valley and one of the most active seller-financed note markets in Texas. McAllen, Edinburg, and Mission generate steady volume on residential, commercial, and colonia properties financed directly by the seller.
Sell Your Mortgage Note in Laredo & Webb County
Webb County — anchored by Laredo — is a major border trade hub with an active owner-financed residential and small commercial note market driven by the local border economy.
Sell Your Mortgage Note in Brownsville, Harlingen & Cameron County
Cameron County — Brownsville and Harlingen — generates heavy seller-financed note volume on residential homes and investment property, with an appreciating market that continues to attract seller financing activity.
Sell Your Mortgage Note in Starr, Zapata & Jim Hogg Counties
Starr County, Zapata County, and Jim Hogg County round out the South Texas region with rural land notes and colonia property notes held by longtime landowners throughout the border counties.
Don't see your area? We buy notes throughout all of Texas. Call 954-466-7111 or submit your note details below.
Request a FREE Note ReviewFree — No Obligation
Ready to Find Out What Your Note Is Worth?
Our team reviews your note and responds within one business day — no fees, no pressure, no obligation.
Why South Texas Note Holders Choose to Sell
South Texas note holders reach out to us for a variety of reasons, including:
Converting years of monthly payments into a lump sum to fund retirement.
Inherited a note from a family member and prefer cash over collecting payments.
Moving away from the Valley and preferring not to manage a note remotely.
The Rio Grande Valley's appreciating real estate market means the equity in your note may be worth more now than when it was created.
Trading a long stream of monthly payments for one lump sum to simplify financial planning.
Seller-Financed Notes Go by Many Names in South Texas
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 South Texas 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 South Texas instruments of any kind — owner financed, seller financed, or privately held — our team reviews them all at no cost. South Texas 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 South Texas and all of Texas.
Private Mortgage Note
A privately held promissory note secured by real estate — not originated by a bank. Private mortgage notes in South Texas 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 South Texas — mortgages, deeds of trust, and land installment contracts on colonia, residential, and commercial property alike.
Why South Texas 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 South Texas notes, and focused on your outcome — not just a quick close at the lowest possible price.
We Know South Texas 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 — including colonia and border-market notes that many buyers overlook. We review South Texas 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 ReviewTexas Mortgage Note Law — What South Texas Note Holders Need to Know
Texas Note Law Summary
Texas is a deed of trust state, meaning foreclosures are handled through a non-judicial process rather than through the courts. Texas Property Code §51.002 governs the foreclosure sale, requiring roughly 41 days' notice before a trustee sale can occur. Once the trustee sale is complete, there is no right of redemption for the borrower. Note transfers require an endorsed promissory note and a recorded Assignment of Deed of Trust in the county where the property is located.
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: Texas Statutes.
South Texas Mortgage Note Holder FAQ
Can I sell a seller-financed note in the Rio Grande Valley?
Yes. The Rio Grande Valley — Hidalgo County (McAllen, Edinburg, Mission), Cameron County (Brownsville, Harlingen), and Webb County (Laredo) — is one of Texas's highest-volume seller-financed note markets. The border economy drives heavy owner-financed activity on residential and commercial property throughout the RGV. Texas uses deed of trust instruments and a non-judicial foreclosure process, making South Texas notes straightforward to transfer. Moxxie Asset Group can review your South Texas note at no cost.
Are colonia or rural South Texas notes eligible?
Yes. South Texas has a significant number of colonia properties with seller-financed notes, along with rural land notes held by longtime landowners in Starr, Zapata, and Jim Hogg counties. We review these notes on a case-by-case basis, factoring in property type, location, and payment history.
What documents do I need to sell my South Texas mortgage note?
Gather your mortgage or deed of trust (depending on your state), the original promissory note, and the closing or settlement statement from the sale. Payment history and any allonge or endorsement documents are also helpful. Our team can help you locate anything you're missing.
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.”
Find Out What Your South Texas 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. Notes typically $100,000 and above. We handle closing in 3–5 weeks when all documents are received and title is clear.
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