201 Spear Street, 11th Floor | San Francisco | CA 94105


We have been purchasing notes, mortgages and real estate contracts for over a decade and we pride ourselves on a unique client experience at the best price possible.



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Note Buyers

Amerinote Xchange is a San Francisco-based, direct business and mortgage note buyer that specializes in the acquisition and management of:

  • Mortgage Notes (1sts and 2nds)
  • Mortgage Loan Portfolios
  • Non-Performing Mortgage Notes
  • Trust Deeds
  • Land Contracts
  • Contract for Deeds
  • Business Notes
  • Chattel Mortgages

AX has been operating within the secondary note market as the best note buyers for over a decade. We pride ourselves on a unique customer experience for all note sellers, as well as providing a quick exit strategy for any private or institutional note sellers that would like to sell a mortgage note or sell a business note for quick cash payout.

We have mastered the art of standing head-and-shoulders above our competition due to our low cost of capital (via our six, in-house, note-funding platforms) and our three core guiding principles:

  1. Aggressive Offers and Pricing
  2. Unmatched Professionalism and Client Courtesy
  3. Unsurpassed Knowledge of the Entire Discount Cash Flow Industry

Amerinote Xchange is a reliable and direct note purchaser, which can offer a sound and painless exit strategy to individuals, businesses and lenders looking to receive the best price for their mortgage note or business note. As experienced note buyers, we can fund deals that most others would decline on reviewing. Working with the right note buyer is half of the battle when it comes to reaching your financial goals. Let us be your note buyer – starting now.

We at Amerinote Xchange are in the position to perform as a principal note buyer on assets with a remaining balance of as little as $25,000 up to $5,000,000 on any one given loan. We are also proud announce that we consistently maintain a 96% note closing ratio, which means that you will most certainly get the money you deserve for your private note. We has 6 separate note funding platforms that are individually geared towards a certain asset class such as:

Funding Platform Break-Down
  1. Performing Residential Loans
  2. Performing Commercial Loans
  3. Non-Performing Commercial Loans
  4. Non-Performing Residential Loans
  5. Performing Business Loans
  6. Performing/Non-Performing Junior Mortgage Liens (2nd Position Mortgages)

If you wish to sell your mortgage note or business note, we can provide you with a written proposal within one business day (or less), which will allow you to make a sound decision on your available options when taking your loan-assets to market. It would be our pleasure to help you understand how to sell your mortgage note when you feel the time is right.

What is a Mortgage Note?

A mortgage note is a legal document that secures a loan secured by real estate. The contract gets signed when purchasing a real estate asset such as a home or commercial property by the lender and borrower. The mortgage note defines all payment and collateral terms.

In short, the mortgage note defines the repayment structure of a real estate deal.

For further information, please refer to our Mortgage Note Definition.

Private Mortgage Note Buyers Overview

This entire process of selling to private mortgage note buyers will take anywhere from 15 days to 35 days depending on the state/property location, the availability of the local appraisers and the availability of companies providing the title searches and closing services. The purchase price is determined by the characteristics of the loan terms, property and borrower ability to pay the loan. The average mortgage note purchase timeline is about 2 to 4 weeks.

What Are Private Mortgage Note Buyers?

Private mortgage note buyers are individuals and entities that purchase promissory notes secured by real estate. Many lenders have a need to sell the loans that they create to private mortgage note buyers as a way to recycle capital and continue lending to the public.

Why Companies Buy Notes

So, what’s in it for these companies that buy mortgage notes? As with any business, there’s profit to be gained from purchasing and selling private mortgage notes. Note buyers purchase private mortgage notes at a price that will allow them to make their money back — and then some — once the loan term is up or when the property or loan is re-sold. Note buyers, like any real estate investor, are looking for high-yield notes that offer a solid return on investment.

There’s also a low amount of risk in note buying. Real estate has a long-running reputation as a safe investment; plus, its physical property serves as collateral for any deal gone awry. The investor always has the option to sell the property on the open market and make his or her money back — or even more than that.

Why Sell a Mortgage Note?

Creating a private mortgage note is often a short-term solution for sellers. They’re either hoping to sell an unmarketable property, help a friend or family member gain entry to homeownership, or allow a non-traditional buyer to purchase a home. Whatever the reason, seller-financing gives them a quick and easy way to accomplish their goals.

Unfortunately, most sellers quickly realize that, though they wanted to sell their property, they did not want to manage payments or wait years (or even decades) to cash in on the home’s value, as seller-financing requires. Thus, they seek out a note buyer who can take the note — and its tedious management — off their hands for a quick, cash offer.

Generally, mortgage note holders tend to sell their notes for one or more of these reasons:

1. They no longer want to bear the risk of the loan.

2. They no longer want to manage the payments or the buyer relationship.

3. They need extra cash flow to pay for additional real estate or investments.

4. They need funds to cover medical costs, college tuition or other expenses.

5. Their buyer is unwilling to refinance into a traditional loan product.

6. They want to pay down other high-interest debts using the note profits.

Note Buying Services

Your Success is our Success

Sell Mortgage Note

As an experienced residential note buying business, AX will never charge you any broker fees to fund your note transaction. We pride ourselves on over 15 years of experience in the industry buying notes online at a discount. AX has the ability to provide you with a painless and sound exit strategy when it comes to asset liquidation. Find out what your residential mortgage note is worth today.

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Commercial Note Buyer

We at AX specialize in commercial note acquisition in all 50 states. We are a premier commercial note buyer and our commercial note funding criteria will allow us to bid aggressively on commercial mortgage notes with as little as 5% equity in the property and a 555 borrower credit (middle) score. No costs or fees.

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Business Note Buyer

If you sold your small business via a private seller-financed transaction, which resulted in the creation of a first position business note and you want to sell that business note, AX has the experience and steadfast business note funding services to offer you a painless exit strategy – with zero hassles and $0 costs.

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Second Position Note Acquisition

AX is now actively purchasing second position mortgage notes in all fifty states. We are interested in performing and non-performing, 2nd's with no minimum required remaining loan amount. The junior loans considered for purchase must be behind a performing 1st position loan.

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Sale of Loan Portfolio

AX has an advanced mortgage portfolio acquisition platform and many years of cash flow industry experience, which is essential to achieving a successful and painless exit strategy when taking your mortgage portfolio to market, thus improving your institution’s ability to manage credit risk.

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Simplifying the Process of Selling Mortgage Notes

When it comes time to sell your mortgage note, it all boils down to awarding the task to the right company. When a note seller decides to sell a mortgage note, half of the battle is choosing a note buying business that knows the note industry in order to perform a painless and sound sale.

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What People Are Saying

Great company, offered a good price on my unseasoned note. Quick to communicate and professional. Hope to do business again at some point. Abby is excellent at what he does.
Adam Nonnenmacher

review stars 42 Reviews, 4.9 Stars

Very professional, straightforward and honest in a type of business that has some shady outfits. Long process while they did their due diligence but well worth it in the end. Shopping around confirmed the market value received for my note was very competitive. Would recommend.
David McAninch

review stars 42 Reviews, 4.9 Stars

Looking to sell a mortgage note that you seller-financed?

Selling your mortgage notes to companies that buy mortgage notes or private note buyers is one of the largest growing financial trends in the U.S. today. If you are currently collecting payments on a first position mortgage note, you do not have to wait the full agreed term to receive your money if you require it now.

Receive cash in as little as 15 days. Get offers from the largest direct nationwide note buying companies online w/ no obligation.

  • Find out exactly how much your private mortgage note is worth today, free of charge.
  • As a note buyer business, we offer full purchase options or partial purchase options on most residential mortgage notes in 50 states. To view our complete note purchase criteria, please click “What We Buy” above.
  • AX is the fastest growing residential and commercial note buying business in the country today. We can fund the purchase of your mortgage note in as little as 15 business days.

Sell Mortgage Note


14 Jun
Mortgage Note Endorsement: Key Insights for Homebuyers and Lenders

When you take out a mortgage to buy a home, you sign a promissory note as a promise to pay back the loan. Sometimes, the original lender may decide to transfer this note to another party, which involves a process known as mortgage note endorsement.  What is the Endorsement of a Promissory Note? An endorsement…

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