Q:  What is a note broker?   
A:   A note broker connects note sellers with note buyers. We do not purchase notes ourselves. Our role is to facilitate introductions, provide clarity, and help sellers explore options.

Q: Why should I even consider selling my note in Georgia?
A:   A couple of reasons really. First off, your investment is trapped inside of those future note payments. So if you need cash to pay off debts, make a new investment, or for any other reason… selling all or part of your future note payments may be a great option. Second, selling all or part of your future note payments doesn’t mean you’re losing any principle. In fact, there may be ways we can structure the purchase of your note payments so you regain all or most of the principal owed you in the note.

Q: Why should I sell my note to Income Note Investors?  
A:   Great question! In addition to the fact that we offer some of the highest prices and can close fast, is that after we buy your note payments…

• You won’t have to worry about admin tasks like IRS income tax reporting requirements, IRS tax liens against the payor, collecting payments, etc.
• You won’t have to worry about borrower issues like bankruptcy, divorce or death, or defaulting on your note. (that’s for us to worry about)
• You won’t have to worry about the destruction and devaluation of the property/asset.
• You won’t have to worry about your note being assumed by another borrower who turns out to be a deadbeat.

Q: How do you come up with the price to offer me for my note?
A:  Ultimately when we look at a note to buy here in Georgia or any other state we buy notes in… we look at a few factors.

1) The note: Payment amount, loan terms, # of remaining payments.  
2) The asset: A bit about the property or asset backing the note. If it’s a quality asset, the note will be worth more. 
3) The borrower: The wording on the note, credit profile, etc. With all of that, we’ll figure out the value of the note and present an offer that’s a discount on that value.

Once we know the situation well, we’ll make you an offer. This offer is based on the value of the note, the risk of us receiving the payments from the borrower, and the quality of the security backing the note (real estate, etc.). You can expect to receive an offer that is a discount on the full remaining payment value based on the factors above.

Q:  How much is my mortgage note worth?   
A:  Note value depends on several factors, including:  
–  Remaining balance 
–  Interest rate 
–  Payment history 
–  Property value
–  Loan-to-value ratio  

This is why offers can vary. A review helps provide clarity.

Q:  Is my information confidential?  
A:  Yes. All information is handled professionally and shared only with
qualified buyers when appropriate.

Q:  Can I sell part of my note instead of the whole thing?  
A:   In some cases, yes. Partial note sales can allow sellers to receive cash
while still collecting future payments.

Q:  How long does the process take?  
A:  Every situation is different. Some notes move quickly, others take time.
There is no required timeline.  –