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 Washington — Trusted Note Buyer Statewide
Washington State's strong real estate market — driven by Seattle's tech economy, Eastern Washington's agricultural land, and a growing statewide investor market — produces a high volume of seller financed mortgage notes. Whether you hold a seller financed deed of trust, an owner financed installment note, or a private mortgage note on any Washington property, Moxxie Asset Group is a trusted Washington mortgage note buyer. Whether you hold a note on a Seattle-area investment property, a Spokane rental, or Eastern Washington farmland — 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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Washington State
Washington State's Growing Real Estate Market Creates a Strong Market to The Note Buyer Washington Holders Rely On
Dawn — Senior Seller Finance Note Advisor & Analyst
Moxxie Asset Group · Ft. Lauderdale, FL
Washington State produces a high volume of seller financed and owner financed notes driven by Seattle's high property values, Spokane's investor-friendly market, and Eastern Washington's large agricultural land base. As a leading Washington mortgage note buyer, Moxxie Asset Group helps note holders sell your Washington note quickly and confidentially.
Want a deeper look at Washington 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 Washington — A Complete Guide →
Seattle Metro & Puget Sound Notes
The Seattle metro — including Bellevue, Tacoma, Everett, and surrounding King, Pierce, and Snohomish counties — generates a high volume of seller-financed notes on residential, investment, and high-value properties driven by the region's strong tech economy.
Spokane & Eastern Washington Notes
Spokane and Eastern Washington produce seller-financed notes on residential homes, investment properties, and commercial real estate at more affordable price points than the west side — creating an active note market with strong borrower demand.
Agricultural & Rural Land Notes
Eastern Washington's vast agricultural land — wheat farms, orchards, and ranches across the Columbia Basin and Palouse — produces seller-financed notes on farmland and rural parcels that we actively review and purchase.
Sell Your Mortgage Note Anywhere in Washington — We Buy Statewide
Washington State is notably buyer-friendly for note transactions — note buyers are explicitly exempt from Consumer Loan Act licensing requirements. As an experienced mortgage note buyer, Moxxie Asset Group buys Washington mortgage notes, deeds of trust, and real estate contracts statewide, whether they are seller financed, owner financed, or privately held.
Sell Your Mortgage Note in Seattle & King County
Seattle and King County generate significant seller-financed note volume, particularly on investment properties and multi-family units. We buy notes throughout King, Snohomish, and Pierce counties. Washington's strong anti-deficiency protections and seller-financing-friendly regulations make Seattle-area notes straightforward to sell.
Sell Your Mortgage Note in Spokane & Eastern Washington
Spokane and Eastern Washington have active seller-financing markets driven by affordable housing and agricultural land. We purchase notes in Spokane, Yakima, Benton, Franklin, and all Eastern Washington counties. Rural and agricultural notes are common in this region.
Sell Your Mortgage Note in Tacoma, Olympia & the South Sound
Tacoma, Olympia, and the South Puget Sound area generate seller-financed notes particularly around military installations (Joint Base Lewis-McChord) and government employment. We buy notes in Pierce, Thurston, and Mason counties.
Sell Your Mortgage Note in Vancouver & Southwest Washington
Vancouver WA and Southwest Washington benefit from proximity to Portland OR. We buy notes in Clark, Cowlitz, and Skamania counties. Cross-border seller-financing situations are common here — we handle both Washington and Oregon notes.
Don't see your city? We buy notes in every county in Washington State. Call 954-466-7111 or submit your note details below.
Request a FREE Note ReviewHow to Selling Your Washington Note — Our Simple Process
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 Washington State paperwork and recording requirements. Washington 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.
Free — No Obligation
Ready to Sell Your Mortgage Note in Washington?
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 Washington State — Sell Your Mortgage Note for a Your Payments for a Lump Sum
Notes go by many names — seller financed mortgage note, owner financed mortgage note, or private mortgage note. Whatever you call yours, Moxxie Asset Group buys them. As an established mortgage note buyer, we purchase deed of trusts, deeds of trust, and real estate contracts across Washington State. If you're ready to sell your Washington note — Washington State is notably buyer-friendly: note buyers and investors are explicitly exempt from Consumer Loan Act licensing requirements under Washington's amended regulations — making WA one of the easiest states for note transactions.
📍 We serve all of Washington State: Seattle, Spokane, Tacoma, Bellevue, Olympia, Yakima, Vancouver, and all Washington counties.
Can I sell my owner-financed mortgage note in Washington State?
Yes. Owner-financed notes in Washington — secured by a deed of trust — are fully transferable. Washington is notably buyer-friendly: note buyers are explicitly exempt from Consumer Loan Act licensing requirements, meaning the process is clean and straightforward. Non-judicial foreclosure takes ~135 days. Call Moxxie Asset Group at 954-466-7111 for a free review.
Can I sell my private mortgage note in Washington State?
Yes. Private mortgage notes in Washington State — also called owner-financed or seller-financed notes — are regularly bought and sold. Moxxie Asset Group purchases Washington private mortgage notes and real estate contracts statewide. Call 954-466-7111 for a free, no-obligation quote.
Does Moxxie Asset Group buy mortgages, deeds of trust, and real estate contracts in Washington?
Yes. We buy seller-financed notes secured by Washington deeds of trust, mortgages, and real estate contracts. Washington primarily uses deeds of trust. The choice between judicial vs. non-judicial foreclosure depends on whether the deed of trust contains a power-of-sale clause. Call 954-466-7111 to discuss your Washington note.
Get Competitive Quotes From a Washington Mortgage Note Buyer Before You Decide
Do not accept the first offer you receive. Submit your note details to several specialized note buyers to get competitive quotes — the difference between offers can be significant.
What to Submit for a Quote
- Interest rate on the note
- Remaining balance
- Property address
- Original sale price
- Borrower payment history
- Type of instrument (deed of trust)
Why Compare Offers
- Discount rates vary between buyers
- Some buyers only do full purchases
- Partial sales preserve future income
- Terms and closing timelines differ
- No two offers are the same
Request a Quote from Moxxie Asset Group
As a dedicated Washington mortgage note buyer, we buy Washington State seller financed and owner financed mortgage notes — full purchase, partial purchase, or split payment options available. Free, no-obligation review for note holders ready to sell your Washington note. Contact us today at 954-466-7111 or submit your note details below.
Request a FREE Note ReviewWashington Note Law & Transfer Process
What You Need to Know About Selling a Note in Washington
If your buyer stops paying — you are protected
Washington law handles the process without going to court in most cases. It takes about 190 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
Washington State broadly bars any deficiency judgment after a non-judicial deed of trust foreclosure — if the property is taken back through the standard process, no lawsuit can follow. Your buyer's personal liability ends at the property. (RCW 61.24.100)
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?
Washington's Real Estate Excise Tax applies to property sales — not to note assignments. A small recording fee applies when the transfer is recorded. We explain all costs before you commit to anything.
Washington Statutory Law for Note Holders
Washington Seller Financing Law — What Every Note Holder Must Know
Every Washington mortgage note buyer should understand the statutory framework behind a seller financed or owner financed note. Below is a detailed look at how Washington's Deed of Trust Act, recording statutes, and foreclosure rules affect note holders who want to sell mortgage note Washington property secures.
1. Washington Deed of Trust Structure (RCW Chapter 61.24)
Washington is a deed of trust state — seller financed notes are secured by a Deed of Trust, not a mortgage or security deed. Three parties are involved: the Grantor (buyer/borrower), the Trustee (a neutral third party), and the Beneficiary (the seller or note holder). Legal title is held by the Trustee until the note is paid in full; equitable title passes to the buyer at closing. The Deed of Trust must contain a power of sale clause to permit non-judicial foreclosure. Critically, the deed of trust must include a statement that "the property is not used principally for agricultural purposes" — without this language, non-judicial foreclosure is not available under RCW 61.24.030(2). Every Deed of Trust must be recorded with the County Auditor in the county where the property is located.
2. Non-Judicial Foreclosure (Washington Deed of Trust Act — RCW 61.24)
Washington allows non-judicial foreclosure through a trustee's sale, which is significantly faster than judicial foreclosure. The process unfolds in three steps. Step 1: a Notice of Default must be given at least 30 days before a Notice of Trustee's Sale can be recorded (RCW 61.24.030(8)). Step 2: the Notice of Trustee's Sale must be recorded, mailed, and served or posted at least 120 days before the sale date (RCW 61.24.040(1)). Step 3: the Trustee's Sale itself is a public auction, where the beneficiary may credit bid up to the full debt amount. The minimum total timeline runs approximately 190 days — 30 days plus 120 days plus processing time. Washington also imposes a mediation requirement for owner-occupied residential properties under RCW 61.24.163.
3. Deficiency Judgments
Washington's Deed of Trust Act prohibits deficiency judgments after a non-judicial trustee's sale foreclosure under RCW 61.24.100. If a lender instead elects judicial foreclosure under RCW 61.12, deficiency judgments are available, but the borrower receives an eight-month redemption period. This is a key distinction for any mortgage note buyer to understand: Washington non-judicial foreclosure means no deficiency and no redemption, while judicial foreclosure means deficiency is possible with redemption available. Most note holders choose the non-judicial path for speed, accepting the anti-deficiency result. Note buyers factor this directly into pricing — Washington is effectively an anti-deficiency state for non-judicial foreclosures.
4. Recording Requirements (RCW 65.08.070)
Washington follows a "race-notice" recording statute — the first party to record wins against subsequent purchasers without notice. Deeds of Trust must be recorded with the County Auditor in the applicable county. When a note is sold or transferred, an Assignment of Deed of Trust must be executed, notarized, and recorded with the County Auditor. Washington has 39 counties, and assignments must be recorded in the correct county where the property is located. Unrecorded assignments create chain-of-title issues that will flag in any title search and can delay or block a note sale — a critical detail for anyone planning to sell mortgage note Washington property secures.
5. Note Transfer & the Holder-in-Due-Course Rule
A promissory note transfers by endorsement — signed on the note itself or on an allonge attached to the note. The beneficiary (note holder) must be the actual holder of the note to initiate foreclosure; RCW 61.24.030(7)(a) requires the trustee to have proof that the beneficiary holds the note. Washington courts have strictly enforced this rule: a party that cannot produce the original note may be unable to foreclose non-judicially. Holder in due course status under UCC Article 3 protects note buyers who acquire the note in good faith, for value, without notice of defenses. Best practice is to always keep the original wet-ink note and the recorded deed of trust together and transfer both simultaneously.
6. Real Estate Contracts (Land Contracts) — RCW 61.30
Washington also permits "real estate contracts" — contracts for deed, sometimes called land contracts — under RCW Chapter 61.30. Unlike a deed of trust, the seller retains legal title under a real estate contract until all payments are made. Foreclosure of a real estate contract is governed by RCW 61.30, and the seller may forfeit the contract after a required notice and cure period. Real estate contracts with substantial buyer equity may require judicial foreclosure rather than a simple forfeiture. A qualified mortgage note buyer can purchase the seller's interest in a real estate contract, but due diligence on this instrument is more complex than for a standard deed of trust note.
7. What Makes Washington Notes Attractive to Note Buyers
- The deed of trust structure provides clear, efficient non-judicial foreclosure when needed
- Washington's race-notice recording statute rewards prompt recording and creates clear lien priority
- The Seattle/King County metro area has some of the highest property values in the nation, providing strong collateral
- Spokane and Eastern Washington markets remain active for seller financed residential and agricultural notes
- Tacoma/Pierce County and Thurston County are strong regions for seller financed residential notes
- Washington's strong economy and population growth support collateral values statewide
Moxxie Asset Group buys Washington deed of trust notes statewide — from Seattle suburbs to Eastern Washington. 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. Sources referenced above include RCW 61.24 (Washington Deed of Trust Act), RCW 61.24.030 (Trustee's sale requirements), RCW 61.24.100 (Anti-deficiency protection), RCW 65.08.070 (Recording statute), RCW 61.30 (Real estate contracts), and guidance from the Washington Department of Financial Institutions. Consult a qualified attorney for guidance specific to your situation.
Washington State Note Holder FAQ
Can I sell my seller-financed mortgage note in Washington State?
Yes — and Moxxie Asset Group is an active Washington mortgage note buyer serving all counties statewide. Yes. Washington State produces a strong volume of seller-financed notes driven by Seattle's high-value market, Spokane's active investor activity, and Eastern Washington's agricultural land base. Moxxie Asset Group can review your Washington note and discuss options at no cost.
What types of Washington notes does Moxxie buy?
We review notes secured by single-family homes, investment properties, multi-family buildings, agricultural land, farmland, and commercial real estate throughout Washington State. Seattle metro notes, Spokane investment notes, and Eastern Washington land 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 Washington note holders use this option to free up capital without surrendering all future income.
How much is my Washington State mortgage note worth?
Value depends on remaining balance, interest rate, loan-to-value ratio, payment history, property type, and borrower profile. Seattle's high property values can support strong note values for well-structured notes, while Spokane and Eastern Washington notes offer solid yields at more modest balances. Request a free review for an honest assessment.
How does selling a mortgage note work in Washington State?
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 Washington State?
Yes. We review and purchase notes backed by properties throughout Washington — Seattle, Spokane, Tacoma, Bellevue, Everett, Yakima, and all rural and suburban counties statewide.
I have a seller-financed note in Washington State — 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 Washington State 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.
The Complete Guide to Selling Your Owner Financed Note in Washington
RCW 61.24, anti-deficiency protections, and Seattle-area note values — the full picture for WA note holders.
Read the Guide →Why Washington 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 Washington notes, and focused on your outcome — not just a quick close at the lowest possible price.
We Know Washington 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 Washington State 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
No pressure or obligation offer · We Buy Notes Nationwide · Sell all or part of your note · Response usually within 1–3 business days