Sell Your Mortgage Note in Southeast Florida
Southeast 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 Southeast Florida drives a major share of that volume. Moxxie Asset Group is based in Fort Lauderdale — Broward County is our home. We are the only note buyer with a physical presence in the tri-county area, and we review Southeast Florida mortgage notes every week. Whether your note is secured by a Miami-Dade condo, a Broward investment property, or a Palm Beach luxury home, our team knows this market — and responds within one business day. Call 954-466-7111 or request a free review below.
All Florida Regions We Serve
Southeast Florida — Miami-Dade, Broward & Palm Beach counties
Southeast Florida Mortgage Note Market — What Tri-County Note Holders Need to Know
The Southeast Florida tri-county area — Miami-Dade, Broward, and Palm Beach — collectively generates more seller-financed note volume than almost any other metropolitan region in Florida. Florida uses mortgage instruments (not deeds of trust), and the state's judicial foreclosure timeline of 8–14 months is one of the longest in the country. For Southeast Florida note holders, that long timeline is a major reason to sell rather than manage a potential default themselves. International buyers, snowbirds, retirees, and Gulf Stream investors all contribute to a uniquely diverse note market that Moxxie knows well. See our full Florida note buying page if your property is outside the tri-county area, and visit our dedicated Miami / Fort Lauderdale / West Palm city page for a closer look at each market.
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 Southeast 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. See our documents checklist for details.
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.
Sell Your Mortgage Note in Miami-Dade, Broward & Palm Beach County
Miami-Dade County
Miami-Dade is Southeast Florida's largest note market — fueled 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. High property values, a competitive market, and diverse buyer demographics make Miami-Dade notes among the most varied in Florida. Florida uses mortgage instruments (not deeds of trust) — any note transfer requires a recorded assignment of mortgage in Miami-Dade County.
- Cities & Towns: Miami, Hialeah, Miami Gardens, Homestead, Miami Beach, North Miami, North Miami Beach, Opa-locka, Coral Gables, Doral, Miami Lakes, Aventura, North Miami Beach, Cutler Bay, Palmetto Bay, Pinecrest, South Miami, Sweetwater, West Miami, Florida City, Bal Harbour, Bay Harbor Islands, Biscayne Park, El Portal, Golden Beach, Indian Creek, Medley, Miami Shores, Miami Springs, North Bay Village, Surfside, Virginia Gardens
- Unincorporated Communities: Kendall, Westchester, Tamiami, Flagami, Allapattah, Little Havana, Coral Terrace, Sunset, Olympia Heights, Fountainebleau, Gladeview, Brownsville, Richmond West, Naranja, Princeton, Goulds, Leisure City, Perrine, Country Walk
- Property types: Condos, single-family, investment properties, luxury waterfront, vacation rentals
- Note volume: Largest county note market in Southeast Florida — international buyer community drives unique note volume
Miami / Fort Lauderdale / West Palm city page · Florida note buying page · Florida note guide
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 intimately — from Fort Lauderdale and Hollywood to Pembroke Pines, Miramar, Deerfield Beach, and Coral Springs. Broward's strong rental market, growing population, and mix of urban and suburban investment properties drive consistent seller-financed note activity. Our local presence means faster, better-informed reviews for Broward note holders.
- Cities & Towns: Fort Lauderdale, Hollywood, Pompano Beach, Miramar, Pembroke Pines, Coral Springs, Lauderhill, Sunrise, Plantation, Deerfield Beach, Davie, Margate, Tamarac, Weston, Coconut Creek, North Lauderdale, Dania Beach, Hallandale Beach, Oakland Park, Wilton Manors, Lauderdale Lakes, Lauderdale-by-the-Sea, Cooper City, Parkland, Southwest Ranches, Sea Ranch Lakes, Hillsboro Beach, Lazy Lake, Lighthouse Point, North Miami Beach (Broward portion), Pembroke Park, West Park
- Unincorporated Communities: Boulevard Gardens, Broadview Park, Broward Estates, Dania, Franklin Park, Lake Forest, Lime Bay, Riverland Village, Rock Island, Sunland Park, West Davie
- Property types: Single-family, investment properties, condos, vacation rentals, waterfront homes
- Local advantage: Moxxie is headquartered in Fort Lauderdale — our home county
Miami / Fort Lauderdale / West Palm city page · Florida note buying page · Florida note guide
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 income needs, relocation, or estate planning make a lump sum more attractive. Palm Beach County notes often carry higher balances and stronger collateral than the Florida average.
- Cities & Towns: West Palm Beach, Boca Raton, Boynton Beach, Delray Beach, Palm Beach Gardens, Jupiter, Lake Worth Beach, Wellington, Greenacres, Royal Palm Beach, Palm Beach, Lake Worth, Riviera Beach, North Palm Beach, Palm Beach Shores, Atlantis, Belle Glade, Pahokee, South Bay, Mangonia Park, Lantana, Manalapan, Ocean Ridge, Briny Breezes, Gulf Stream, Palm Springs, Haverhill, Cloud Lake, Hypoluxo, Juno Beach, Jupiter Inlet Colony, Palm Beach Gardens (unincorporated portions), Tequesta
- Unincorporated Communities: Loxahatchee, Loxahatchee Groves, The Acreage, Westgate, Belvedere Homes, Gun Club Estates, Lake Clarke Shores adjacent, Sandalfoot Cove, Century Village areas
- Property types: Luxury waterfront, retirement community notes, golf community estates, single-family, high-value condos
- Note size: Palm Beach County typically produces the highest-balance notes in the tri-county area
Miami / Fort Lauderdale / West Palm city page · Florida note buying page · Florida note guide
Don't see your area? We buy notes throughout all of Florida — including Tampa Bay and Orlando. Call 954-466-7111 or submit your note details below.
Request a FREE Note ReviewWhy Southeast Florida Note Holders Sell
Southeast Florida's note holders come from a distinct set of circumstances — and most share a common goal: turning a slow trickle of monthly payments into a usable lump sum.
Retirement — converting a payment stream to a lump sum before relocating
Snowbirds simplifying finances before moving north permanently
International investors liquidating U.S. real estate holdings
Avoiding Florida's 8–14 month judicial foreclosure process
Divorce or estate settlement requiring a clean lump sum
Inherited notes from family members who owner-financed tri-county property
Gulf Stream investors cashing out equity after years of appreciation
Not ready to sell your entire note? A partial note purchase lets you access a lump sum now while retaining a share of future payments.
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.
Seller-Financed Notes Go by Many Names in Southeast Florida
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 Southeast Florida 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 a mortgage note secured by Southeast Florida property 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 Southeast Florida 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 Southeast Florida 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 Southeast Florida — mortgages, deeds of trust, security deeds, and land installment contracts.
Why Southeast Florida 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 Southeast Florida notes, and focused on your outcome — not just a quick close at the lowest possible price.
We're Local — Broward County Is Our Home
Our team is headquartered in Fort Lauderdale — we are the only note buyer with a physical presence in the tri-county area. We review Southeast Florida notes regularly and understand the mortgage structure used in this state, giving 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, or reach out through our contact page.
Request a FREE Note ReviewFlorida Mortgage Note Law — What Southeast Florida Note Holders Need to Know
Florida Note Law Summary
Florida is a mortgage state — not a deed of trust state. Every Southeast Florida seller-financed note is secured by a recorded mortgage instrument. Transferring your note requires a recorded assignment of mortgage in the applicable county (Miami-Dade, Broward, or Palm Beach). Florida's judicial foreclosure timeline of 8–14 months is among the longest in the country — a key reason Southeast Florida note holders choose to sell rather than manage a default themselves. Gather your mortgage or deed of trust (depending on your state) along with your promissory note and payment history before your free review.
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.
Southeast Florida Resources
Southeast Florida Mortgage Note Holder FAQ
Can I sell my seller-financed mortgage note in Palm Beach, Broward, or Miami-Dade County?
Yes. Southeast Florida's tri-county area is one of the most active seller-financed note markets in the country. Florida ranks #2 nationally with over 8,000 notes created annually. Moxxie Asset Group is based in Fort Lauderdale (Broward County) and reviews mortgage notes from Miami-Dade, Broward, and Palm Beach counties every week — at no cost, with no obligation.
How does selling a mortgage note work in Southeast Florida?
Florida uses mortgage instruments (not deeds of trust) for seller financing. Florida's judicial foreclosure process (8–14 months) is a key reason many Southeast Florida note holders choose to sell rather than manage a default. You start with a free note review submitting basic details about your note's balance, terms, and payment history. Our team responds within one business day.
What types of Southeast Florida notes does Moxxie buy?
We review notes secured by condos, single-family homes, luxury estates, waterfront properties, investment properties, vacation rentals, and multi-family throughout Miami-Dade County (Miami, Coral Gables, Hialeah), Broward County (Fort Lauderdale, Hollywood, Deerfield Beach, Pembroke Pines), and Palm Beach County (West Palm Beach, Boca Raton, Delray Beach).
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 Southeast Florida 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.
Prefer to talk? Call us at 954-466-7111 or reach out through our contact page
No pressure or obligation offer · We Buy Notes Nationwide · Sell all or part of your note · Response usually within 1–3 business days