Reconcile the cash flow
State the current balance, rate, payment amount, payment status, maturity, payoff or balloon terms, and cutoff date.
Fitzgerald Advisors · Direct portfolio brokerage
Sell a mortgage note with the payment history, collateral, and file in view.
At a glance: Prepare to sell a mortgage note with a focused review of payment history, collateral, documents, servicing, assignment chain, and timing.
Transaction hub: Note Brokerage & Whole Loans: sell a mortgage note
A defined starting point
A mortgage-note sale starts with a reconciled file, not a headline number.
A useful seller review clarifies the enforceable payment stream, collateral and lien position, ownership and assignment evidence, servicing history, maturity, payment status, and information gaps. Those facts help determine whether a controlled broker-led process is appropriate and what qualified buyers may need to review next.
Asset scope
What the conversation may cover.
- Performing mortgage notes
- Non-performing mortgage notes
- Owner-financed real-estate notes
- Private mortgage notes
- Partial-note sale considerations
- Commercial and residential note positions
Verify the file
Organize the note, security instrument, assignments, title or lien evidence, payment history, servicing record, and material exceptions.
Set the objective
Clarify whether the goal is a full sale, partial sale, refinancing discussion, workout decision, or another defined outcome.
The first conversation
How a mortgage-note seller intake starts
- 01
Describe the note
Share the property or collateral type, approximate balance, payment status, rate, maturity, geography, and seller objective.
- 02
Summarize the records
Identify the payment history, note and security documents, title or lien context, ownership chain, servicing, and missing items.
- 03
Frame the process
The desk assesses whether the mandate fits a controlled review and what confidentiality, diligence, and counterparty criteria apply.
- 04
Compare complete terms
If qualified interest develops, compare price, timing, conditions, servicing transition, representations, exclusions, and net economics—not headline price alone.
Before you reach out
What to prepare before selling a mortgage note
The initial form needs only high-level business information. Keep borrower-level data, unredacted loan files, Social Security numbers, and account numbers out of the first inquiry.
- Note type, unpaid balance, payment amount, rate, maturity, status, and approximate seasoning
- Property or collateral type, geography, lien position, title or assignment context, and servicing status
- Payment history, note and security documents, ownership chain, available records, and material gaps
- Full or partial-sale objective, decision authority, confidentiality needs, and timing
Confidential intake
Submit a mortgage-note seller intake
Describe the note type, approximate balance, payment status, collateral context, documents available, objective, and timing for a confidential first review.
Choose a path: Start a seller note review
Direct answers
Frequently asked questions
What documents are needed to sell a mortgage note?
A first review usually starts with the note and security documents, payment history, current balance and terms, collateral and lien context, ownership and assignment chain, servicing record, material modifications, known exceptions, and the seller’s timing. The exact diligence package depends on the note.
How are mortgage notes evaluated for a sale?
Relevant drivers can include payment status, balance, rate, maturity, seasoning, collateral and lien position, geography, documentation, ownership evidence, servicing, transfer conditions, and known legal or factual exceptions. There is no universal price or outcome.
Can I send a loan tape with borrower information through the first form?
No. Start with aggregate business information only. Do not send Social Security numbers, account numbers, borrower-level records, unredacted tapes, or full loan files through the public intake. A controlled information process can be discussed if the mandate fits.
Does Fitzgerald buy mortgage notes directly?
Fitzgerald Advisors presents a broker-led review and does not represent itself as the buyer of every note. The appropriate next step is to define the seller mandate and determine whether a qualified counterparty process is suitable.
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