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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.

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.

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.

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.

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.

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.