I Buy Notes Now

I Buy Notes Now Welcome to I Buy Notes Now, where we specialize in the direct buying of performing and non-performing loans.

We provide note sellers with direct-to-buyer certainty and creative monetization strategies... acting as principals to ensure your deal closes exactly as promised. Our company has the unique capabilities to purchase a range of note sizes, from single notes to large pools, in both the commercial and residential sectors. With each deal underwritten on its own merits, our purchasing power ranges from $20,000 to $250,000,000 or more.

05/22/2026

For real estate investors holding seller-financed notes in their portfolios:

A quarterly file review on every active note prevents the 80% of problems that show up after a default. The review takes 15 minutes per note and covers four items: borrower currently paying, taxes current, insurance in force, no senior liens recorded since origination.

A clean quarterly review history is also worth something at sale. Buyers pay closer to fair market value for notes where the holder can demonstrate active oversight.

If you want the quarterly review template, phone or email anytime.

ibuynotesnow.com

05/19/2026

Quick read on the note market heading into the second half of May:

The volume of inbound inquiries from holders has picked up over the last 6 weeks. The pattern in those conversations is consistent.

Note was originated a few years ago. The rate that looked attractive at closing is below where the market is now. The holder is starting to think about whether to sell, hold, or run a partial.

What's changed: the rate environment isn't reversing. The discount on a below-market-rate note that existed 12 months ago is now baked into how the secondary market prices.

For anyone considering an exit on a note: the math is the same whether you act this month or in six months. Knowing the bracket your specific paper trades at is the first step.

Phone or email anytime.

05/14/2026

Realtors: did you close a seller-financed deal?

That seller is now sitting on a note. Some are tired of collecting. Almost none have heard from a note buyer who actually closes.

If you want a reason to call your past clients without sounding like you're hunting for a listing, this is one. Finder's fee on every closed note transaction. Title company handles closing.

Phone or email if a name comes to mind. ibuynotesnow.com

05/13/2026

4 questions to answer before you take a bid on your seller-carry note:

1. What's the rate vs current market rates? A note with a below-market rate gets discounted before a buyer looks at anything else.

2. What's the payment history? Years of on-time payments are worth more than a short stretch ending in a default.

4. What's the LTV today? Property values have moved since origination. Buyers price off the current LTV.

4. Is the file complete? Original note, recorded mortgage or DOT, payment ledger, current insurance and tax receipts.

10 minutes to answer all 4. Difference between a fair bid and meaningful money left on the table.

Phone or email anytime. ibuynotesnow.com

05/12/2026

Estate has a note in it? Here's what the heirs almost always do with it.

They split a property or note they never wanted, in a state none of them live in. After 60 days of conference calls and 1099 confusion, somebody asks if there's a way out.

There is. The note can be sold by the executor or the trustee. Title company handles closing. Heirs get one number, distributed per the instrument.

Confidential first review, no contact with the borrower until closing. Phone or email anytime.

05/11/2026

Most people holding a seller-carry note think it's worth what's left on the balance.

Yield drives the price more than anything else. A note carrying a below-market rate gets discounted before a buyer looks at the borrower or the property. Payment history is a smaller adjustment after that.

If a friend or client originated paper in 2020 or 2021, the gap between UPB and market price is wider than they expect. 10-minute call before they make a move usually saves money.

Phone or email anytime. ibuynotesnow.com

04/27/2026

A lot of people who hold mortgage notes have thought about selling at some point.

Then they talk themselves out of it because they do not know how the process works, or worry it will be complicated, or wonder if they will be taken advantage of.

Here is what the process actually looks like when you work with us.

You share the basics: note balance, property address, payment history, and original documents. We give you our evaluation. No obligation at that stage.

If the terms work for both sides, we move forward. Most transactions close within approximately 20 business days of receiving complete documentation.

We handle the complexity. You make the decision.

If a full sale is not the right structure, we discuss whether a partial purchase or hypothecation might serve your situation better.

The goal is that you finish this transaction feeling confident about the decision you made.

No pressure. No surprises. No fees.

ibuynotesnow.com

04/24/2026

What's on my mind? A quote...................

"Common sense is not so common" - Voltaire

thoughts?????????????????????????????

04/22/2026

For title professionals reading this — this one is for you.

Every time a transaction closes with seller financing, a note holder is created. That person agrees to collect monthly payments instead of receiving the full purchase price at closing.

Some of them are fine with that arrangement for years. Others reach a point where they would rather have cash today.

Most of them have no idea they can sell that note.

As a title company or closing agent, you are often the last professional they work with before they become a note holder. You could be the first one to tell them their options down the road.

We buy mortgage notes directly. We close most transactions within approximately 20 business days of receiving documents. We pay a finder's fee where permitted. And we make the process simple enough that your client has a positive experience and remembers where the referral came from.

If you want to establish a referral relationship, reach out directly or visit ibuynotesnow.com

04/20/2026

Here is something most people who hold mortgage notes find out the hard way.

Foreclosure does not mean you automatically get the property back.

It is a legal process. In many states, that process moves slowly. The borrower remains the owner of record until the process runs its full course.

Some states give borrowers redemption rights — meaning they can reclaim the property even after a foreclosure sale.

At auction, a third party could outbid you. And if they do, you get paid up to what is owed — principal, interest, approved fees — not a dollar more.

If the sale does not cover what is owed, you may be looking at a deficiency judgment. Which is not guaranteed and often not collectible.

None of this means seller financing is a bad idea. But a mortgage note is an asset that requires management — and some note holders, once they understand the full picture, decide that a lump sum today is the more strategic outcome.

If you want clarity on what your note is worth and what your options are, that conversation is free.

ibuynotesnow.com

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9429 Harding Avenue, Suite 301
Surfside, FL
33154

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