The mortgage note trading landscape has transformed dramatically, with the market reaching $157 billion in 2024 according to Meltwater research. Just as collectors are discovering new ways to monetize their vinyl records, note holders are finding innovative platforms to liquidate their assets for maximum value.
Whether you're looking to sell residential mortgage notes, commercial paper, or business notes, today's digital marketplaces offer unprecedented access to qualified buyers and competitive pricing. Like those who sell vintage items online, note sellers now have multiple venues to reach potential investors. Let's explore the top platforms where you can sell your notes!
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Summary Table
| Item Name | Price Range | Best For | Website |
|---|---|---|---|
| Paperstac | 1% service fee | Fast-closing mortgage notes | Visit Site |
| Notes Direct | $750 per closing | Real estate note trading | N/A |
| Watermark Exchange | Variable fees | Geographic-focused trading | Visit Site |
| Peer Street | $1,000 minimum | Accredited investors | Visit Site |
| Note Buyers of America | No upfront fees | Residential note selling | Visit Site |
| First National Acceptance Company | No closing costs | Private mortgage notes | Visit Site |
| Amerinote Xchange | $25K-$5M notes | Large note portfolios | Visit Site |
| Debexpert | Variable rates | Secure note trading | Visit Site |
| Seascape Capital | Market rates | Quick note closings | Visit Site |
Sell Notes Fast: 9 Proven Methods (2025)
Below you'll find detailed information about each option, including what makes them unique and their key benefits.
1. Paperstac
Paperstac provides a dedicated marketplace specifically for buying and selling mortgage notes, making it easier to connect with qualified buyers. The platform streamlines the entire note-selling process with automated document management and a straightforward 1% service fee on successful transactions.
Key features:
- 1% service fee only on closed deals
- Built-in due diligence tools
- Automated closing process
2. Notes Direct
Notes Direct specializes in facilitating real estate note transactions, offering sellers access to a network of pre-qualified note buyers. The platform handles both performing and non-performing notes, with a transparent flat fee structure that helps maximize your return when selling notes.
What you get:
- $750 flat fee per closed transaction
- Free registration and listing
- Access to verified note buyers
3. Watermark Exchange
Watermark Exchange offers a geographic-focused approach to selling mortgage notes, helping connect note sellers with local buyers for potentially faster closings. Their platform includes comprehensive tools for valuation and due diligence, streamlining the note-selling process while maintaining transparency.
Platform highlights:
- Geographic targeting capabilities
- In-house due diligence tools
- Access to off-market opportunities
4. Peer Street
Peer Street facilitates the sale of real estate-backed notes by connecting note holders with accredited investors. The platform specializes in private real estate loans, allowing sellers to liquidate their notes while investors can participate with minimums as low as $1,000.
Key features:
- 6-9% average annualized returns for investors
- Automated investing options available
- Professional underwriting and due diligence included
5. Note Buyers of America
Specializing in purchasing residential mortgage notes, this platform provides quick cash offers to note sellers through their streamlined online quote system. Their focus on residential notes makes them particularly valuable for sellers looking to liquidate home mortgage notes efficiently.
What you get:
- Same-day quote responses
- Full-service closing coordination
- Direct cash purchases with no middlemen
6. First National Acceptance Company
With over 50 years of experience in the note-buying industry, FNAC purchases private mortgage notes and real estate contracts for lump sum payments. They handle the entire transaction process, including covering all closing costs, making them ideal for sellers seeking a hands-off approach to liquidating their notes.
- No fees charged to note sellers
- Personalized purchase proposals
- Established track record since 1974
7. Amerinote Xchange
Amerinote Xchange specializes in purchasing a wide range of mortgage and business notes, offering sellers quick access to capital through their streamlined evaluation process. The platform handles notes ranging from $25,000 to $5,000,000, with most transactions closing within 30-45 days.
Key features:
- Fast proposal turnaround (typically within 48 hours)
- Purchases both performing and non-performing notes
- No upfront fees for sellers
8. Debexpert
As a specialized marketplace for selling debt instruments and notes, Debexpert connects note holders with qualified buyers through their digital platform. The service particularly appeals to those looking to liquidate commercial paper, business notes, and various debt instruments.
Notable benefits:
- Digital documentation management system
- Access to verified institutional buyers
- Secure transaction processing
9. Seascape Capital
Seascape Capital focuses on purchasing real estate notes and business payment streams, providing sellers with direct access to institutional funding. Their straightforward process includes free valuations and typically closes transactions within 3-4 weeks, making them an efficient option for note holders seeking quick liquidity.
What you get:
- Complimentary note evaluation service
- Direct funding without broker intermediaries
- Expertise in both performing and distressed notes
Final Words
Sell-notes offer multiple paths to liquidate your structured settlement, with options ranging from immediate cash buyouts starting at $20,000 to long-term arrangements worth over $100,000. Review each option carefully, compare quotes from multiple buyers, and consult a financial advisor before making your decision to ensure you get the best value for your specific situation.
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Frequently Asked Questions About Selling Mortgage Notes
What are the main platforms available for selling mortgage notes in the US?
Several established platforms exist including Paperstac (1% service fee), Notes Direct ($750 flat fee), and Watermark Exchange. These platforms offer different features like geographic-focused trading, free registration, and modern closing processes for both performing and non-performing notes.
What fees can I expect when selling a mortgage note?
Fees vary by platform - Paperstac charges a 1% service fee on closed deals, while Notes Direct charges a flat fee of $750 per asset closing. Some buyers like First National Acceptance Company (FNAC) cover all closing costs as part of their purchase service.
What size mortgage notes do buyers typically accept?
Based on the research, companies like Amerinote Xchange accept notes ranging from $25,000 to $5,000,000. Peer Street allows investments starting at $1,000 per loan, though this is from an investor perspective rather than a seller's.
How quickly can I sell my mortgage note?
Multiple platforms advertise fast closing processes, with companies like Seascape Capital and Note Buyers of America specifically promoting quick cash payouts and streamlined selling processes. Paperstac markets itself as a modern, fast-closing platform.
