What Is The Difference Between A Seller Financed Mortgage Note Full Sale Vs A Partial Note Sale?
3:10 watch · September 25, 2026 · With Dawn Bearden, Moxxie Asset Group
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Full Sale vs. Partial Sale at a Glance
- ✓ Full sale — Sell the entire remaining payment stream for the largest lump sum and a clean break from the note.
- ✓ Partial sale — Sell a set number of future payments — for example the next 5 or 10 years — for a smaller lump sum today.
- ✓ Payments come back to you — After a partial sale’s set payments are collected, the note and remaining payments return to you.
- ✓ Cash now, income later — A partial sale can fund a specific need today while you keep future cash flow — and may mean a smaller tax event this year.
- ✓ Not every note qualifies — Our team will tell you during the free note review whether your note qualifies for a partial sale, and if not, why.
- ✓ Same process either way — Same free review, same offer process, same due diligence — only the portion of the payment stream differs.
Want the full details on partial sales? Partial Note Purchase — Sell Part of Your Mortgage Note, Keep the Rest
Full Video Transcript
Introduction
Hi, I’m Dawn, the Senior Note Analyst and Seller Financing Note Advisor with Moxxie Asset Group.
Our team has over 30 years of experience in the seller finance note space, and this is a very common question that we hear: Do I have to sell my whole note, or can I just sell part of it?
Well, the answer is yes, most of the time you can do either. Let me walk you through exactly how that works.
Option One: A Full Sale
When you sell a note, you may have two paths. The first is a full sale. That means you sell the entire remaining payment stream of the note in one lump sum.
You get the largest amount of cash possible, and it’s a clean break from the note. No more note to manage, no more borrower to think about.
Option Two: A Partial Sale
The second option is a partial sale. Instead of selling the entire note, you sell a set number of future payments — say the next 5 or 10 years — for a smaller lump sum today.
Once that set number of payments has been collected by the note buyer, the note and the payments come right back to you, and you go back to receiving the remaining payments for yourself.
Why Choose a Partial Sale?
So, why would someone choose a partial instead of a full sale? Well, a few reasons.
Maybe you need the cash now for something specific, but you don’t want to give up the entire note or all of your future income. A partial sale lets you get that lump sum today while still keeping a piece of the note for future cash flow.
It can also mean a smaller tax event this year, since you’re only cashing out part of the note, not all of it at once.
One caveat is that not all notes qualify for a partial note sale. We will be able to tell you if your note qualifies — and if not, why — during the free note review process.
The Process Is the Same
Here’s the good news. Whether you choose a full sale or a partial sale, the process itself is exactly the same: same free review, same offer process, same due diligence.
The only real difference is how much of your payment stream you’re actually selling.
Get a Free Note Review
If you’re not sure which option is right for you, that’s exactly what our free, no-obligation review is for. We will walk you through both options together if they’re available to you, and help you figure out what actually makes sense for your specific goals and situation.
You can reach out anytime by filling out our free note review form on our website, or you can give us a call at 954-466-7111 to discuss exactly what you’re looking for in selling your note. That will help us guide you on whether a full note sale or a partial note sale is going to work best for your specific situation.
I hope this video helps you clarify the difference between an owner-financed mortgage note full sale versus a partial note sale. Thank you.
Want to Know What Your Note Is Actually Worth?
Send us your note details and our team will walk you through the numbers — no obligation, no pressure. When all documents are received and title is clear, most closings run 3–5 weeks. Have your promissory note and your mortgage or deed of trust (depending on your state) handy.
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