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Amerinote Xchange Blog

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.

At some point, you may have heard the term “mortgage acceleration”. In real estate, mortgage acceleration Is a process where the lender demands repayment of the loan in full once the borrower breaches the terms of their loan agreement. If you would like to learn more about mortgage acceleration and how it works, keep reading….

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Posted by Jennifer Park on March 22, 2022 | 0 Comments

Assumable Mortgage 101: How to Let Someone Take Over the Mortgage Payments on a Property If you’ve ever asked the question, “Can’t someone else take over my house payments?, you’re in luck. There is a way to allow someone else to take over responsibility for a mortgage. In real estate, these loans are known as…

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Posted by Tara Mastroeni on February 15, 2022 | 4 Comments

Broadly, the term “collateral” refers to an asset that a borrower pledges to forfeit to the lender in the event that they default on their loan. In real estate, it’s not uncommon to use a home as collateral. However, a collateral mortgage is a specific type of home loan that allows the borrower to leverage…

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Posted by Tara Mastroeni on January 21, 2022 | 0 Comments

Should I pay off my mortgage early? Living mortgage-free is a goal many of us have. However, as great as it sounds to free up thousands of dollars each month, paying off your mortgage early is not always the most financially savvy move. Let’s discuss some of the pros and cons of paying off your…

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Posted by Tara Mastroeni on December 15, 2021 | 0 Comments

If you’ve recently had a loved one pass away, you may be wondering what happens to a mortgage when the borrower dies. Unfortunately, there is no one cut-and-dried answer to this question. It depends on who applied for the loan and whether or not the surviving family members want to keep the property.  In light…

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Posted by Tara Mastroeni on November 12, 2021 | 0 Comments

Put simply, “judicial foreclosure” is the legal term used for a foreclosure that goes through the local court system. However, there is much more to this type of foreclosure than just knowing that courts are involved. With that in mind, we’ve created a guide to the process below. Keep reading to learn what you need…

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Posted by Tara Mastroeni on October 15, 2021 | 0 Comments

In recent years, many real estate investors who’ve wanted to earn passive income without the headaches of dealing with tenants or flipping properties have shifted their strategy to note investing. Yet, in the process, they’ve learned that building a successful note brokering business requires a different skill set than traditional real estate investment.  With that…

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Posted by Tara Mastroeni on July 12, 2021 | 0 Comments

The Amortization Process Explained: What is a Fully Amortized Loan? If you’re in the process of selling a real estate note, you’re going to want to have a firm understanding of payment amortization. Put simply, your loan’s amortization schedule will determine how long it takes for you to receive a full payoff. With that in…

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Posted by Tara Mastroeni on May 15, 2021 | 0 Comments

Traditionally, owning a rental property is considered a safe investment. However, even the safest investments are not foolproof. For example, during the pandemic, many landlords struggled financially after their tenants were unable to keep up with their rent. As a landlord, it’s impossible to predict when a tenant will stop paying, but fortunately, there is…

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Posted by Tara Mastroeni on April 15, 2021 | 0 Comments

What’s Included in an Owner Financing Contract Template? A Guide for Buyers and Sellers While it’s easy to find an owner financing contract template online, it’s not always easy to understand what all the legal terms mean. With that in mind, below is a guide to the most important information that needs to be present…

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Posted by Tara Mastroeni on March 11, 2021 | 0 Comments