Selling Your Seller Financed Mortgage Note In Texas
3:46 watch · September 25, 2026 · With Dawn Bearden, Moxxie Asset Group
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What You’ll Learn About Texas Mortgage Notes
- ✓ The #1 note market in the U.S. — Texas produces over 21,000 seller finance notes a year — about 25% of all seller finance note transactions nationwide.
- ✓ Scale supports stronger pricing — Active buyer demand for Texas owner financed notes supports better pricing than smaller, less active markets.
- ✓ Fast foreclosure lowers buyer risk — Texas foreclosure can take as little as 41 days with no court hearing — and lower risk translates into a stronger offer.
- ✓ Four factors drive value — Borrower credit, down payment, property equity, and months of clean on-time payment history.
- ✓ Creating multiple notes? — Texas SAFE Act licensing rules can affect whether a note holds up legally and stays sellable.
- ✓ Free, no-obligation review — Notes anywhere in Texas — from major metros to rural acreage in all 254 counties.
Full Video Transcript
Introduction
Hi, I’m Dawn, senior note analyst and seller financing advisor with Moxxie Asset Group.
If you’re a Texas note holder, I want to tell you why your note might be more valuable than you think and why Texas is genuinely one of the best states in the country to hold a seller finance mortgage note.
The Largest Private Mortgage Note Market in the Country
Texas produces more seller finance notes than any other state in the country with over 21,000 every single year. That’s about 25% of all seller finance note transactions in the entire United States.
Texas has a strong real estate demand, a huge rural land market, and a real culture of owner financing that all come together to make Texas the largest private mortgage note market in the entire country.
Why Scale Matters to Texas Note Holders
So, why does that matter to you? Well, whether your note is on a Dallas Fort Worth suburb home, a Houston rental, Hill Country ranch land, or rural acreage out in East Texas, that scale matters.
It means there’s real active demand from note buyers for Texas owner financed mortgage notes specifically, which supports stronger pricing than you’d find in smaller, less active markets.
How Texas Foreclosure Rules Work in Your Favor
Here’s something that genuinely works in your favor as a Texas note holder. Texas has one of the fastest foreclosure processes in the entire country. As little as 41 days from the first notice to the foreclosure sale with no court hearing required. That may sound like a strange thing to highlight, but here’s why it really matters.
The faster and more certain a note buyer’s downside protection is, the more comfortable they are with the risk of buying that note. And that lower risk translates directly into a stronger, higher offer for your Texas privately held mortgage note.
What We Evaluate in a Texas Note
A few things matter most when we evaluate a Texas note. The first is your borrower’s credit. Then how much they put down at the start as a down payment, how much equity is in the property, and how many months of clean on-time payments you have on record.
Get all of those right from the start, and your Texas seller finance mortgage note is genuinely one of the most sellable in the entire country.
Creating Multiple Notes? Know the SAFE Act Rules
One more thing worth knowing. If you’re planning to create more than one seller finance note in Texas, the state has specific licensing rules under the SAFE Act that can affect whether your note holds up legally and whether it’s even sellable down the road.
It’s a bit more technical, so I’m going to cover that in its very own video. So, be sure to check that out. If you’re actively creating notes in Texas, that’s one video you won’t want to miss.
Get a Free Note Review
If you’re holding a note anywhere in Texas, from a major metro to rural acreage in any of the 254 counties, we’d love to give you a free, no-obligation review. You can fill out our free note review form on our website or feel free to reach out anytime at 954-466-7111.
We look forward to hearing about all of the specifics of your seller finance mortgage note in Texas. 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.
Request a FREE Note Review