Fitzgerald Advisors · Direct portfolio brokerage

Mortgage notes for sale: define the buy box before the file moves.

Fitzgerald Advisors advises on and arranges the sale process; we are not the buyer.

Qualified mortgage-note buyers should define the asset type, geography, unpaid-balance range, payment and collateral profile, capital source, servicing model, diligence requirements, and timing before requesting detailed files. Fitzgerald Advisors uses the mandate to assess fit; it does not invent listings or represent that every opportunity is available.

At a glance: Submit a qualified mortgage-note buyer mandate covering asset type, geography, size, performance, capital, servicing, diligence, and timing.

Transaction hub: Note Brokerage & Whole Loans: sell a mortgage note

Institutional mortgage-note buyer qualification materials with a defined acquisition checklist.
Buyer note mandate

A defined starting point

A buyer mandate is more useful than a generic request for listings.

Mortgage-note opportunities differ by payment history, collateral, lien position, geography, borrower or obligor profile, servicing, documentation, and transfer conditions. A defined buy box lets the desk identify relevant conversations without promising inventory, pricing, returns, or investment outcomes.

Asset scope

What the conversation may cover.

  • Performing mortgage notes
  • Non-performing mortgage notes
  • Residential and commercial notes
  • Owner-financed notes
  • Partial-note opportunities
  • Whole-loan and related real-estate credit positions
01

Define the buy box

State target note types, property or collateral profile, geography, balance range, payment status, seasoning, and exclusions.

02

Show operating readiness

Describe capital source, approval authority, servicing or workout model, diligence capacity, and expected decision path.

03

Set information expectations

Identify the payment, collateral, title, assignment, servicing, and legal materials needed before account-level review.

The first conversation

How a mortgage-note buyer mandate starts

  1. 01

    Share the buy box

    Describe target note types, property or collateral, geography, balance range, payment profile, and material exclusions.

  2. 02

    Confirm capacity

    Outline capital, servicing or workout capability, diligence requirements, approval authority, and timing.

  3. 03

    Assess relevance

    The mandate can be compared with appropriate mortgage-note, whole-loan, or related opportunities before detailed files are released.

  4. 04

    Coordinate diligence

    If there is fit, the next stage can define confidentiality, data-room access, diligence responsibilities, and transaction conditions.

Before you reach out

What makes a mortgage-note buy box actionable

The initial application is for business-level qualification. Do not send borrower-level records, unredacted tapes, title files, or account numbers through the public form.

  • Target note type, property or collateral profile, geography, balance range, and payment status
  • Capital source, approval authority, servicing or workout model, and operating capacity
  • Diligence requirements covering payment history, collateral, title, assignments, servicing, and legal context
  • Decision timeline, confidentiality needs, transaction structure, and buyer exclusions

Confidential intake

Submit a qualified mortgage-note buyer mandate

Tell Fitzgerald Advisors what you want to acquire, where, at what scale, and how you evaluate, fund, service, and approve a note opportunity.

Choose a path: Submit a mortgage-note buy box

Direct answers

Frequently asked questions

What should a mortgage-note buyer establish before file access?

A buyer should define the target note, geography, size, payment and collateral profile, capital and approval path, servicing or workout model, diligence requirements, exclusions, and timing.

What should a mortgage-note buyer include in a buy box?

State the target note type, property or collateral profile, geography, balance range, payment status, seasoning, exclusions, capital source, approval authority, servicing or workout model, diligence requirements, and decision timeline.

Does Fitzgerald list mortgage notes for sale?

No public inventory or guaranteed availability is represented. Fitzgerald uses a qualified buyer mandate to assess whether a current or future note conversation may be relevant before detailed files are shared.

What does a mortgage-note buyer need to be ready to review?

A buyer should be able to explain capital and approval capacity, servicing or workout capability, diligence requirements, confidentiality expectations, transfer conditions, and the decision path for a potential acquisition.

Will a buyer receive borrower-level files with the initial application?

No. The initial application is for business-level qualification. Account-level records, title materials, payment histories, and other sensitive information should be handled only through an agreed confidentiality and diligence process.

Research for this transaction path

Note Brokerage & Whole Loans articles

Supporting articles for this hub. Use them to prepare a defined mandate, then return here for the appropriate next step.

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A direct broker desk for qualified buyers and sellers of debt, loan, judgment, CRE, note, and specialty-finance portfolios.