We Buy and Sell Mortgage Notes

Note holders come to us for many reasons — an inherited note from a family estate, a seller-financed deal that served its purpose, or simply a need for a lump sum of capital rather than monthly payments spread over years. Whatever your situation, FNC makes the process straightforward.

We purchase performing notes secured by single-family residential properties. Our team handles all due diligence, title work, closing coordination, and funding. There are no realtors to deal with, no bank committees, and no drawn-out approval process. We evaluate your note based on payment history, the borrower's track record, remaining loan balance, and the underlying property value — then make a fair, documented cash offer.

You get certainty, speed, and a clean exit. We handle the rest. If you hold a note and want to understand your options, reach out — we're happy to walk through it with no obligation.

When you buy a mortgage note, you become the lender. The borrower continues making monthly principal and interest payments — now to you instead of the original lender. The note is secured by a deed of trust or mortgage on real property, meaning your investment has a hard-asset backstop.

FNC sells performing notes from our portfolio to investors seeking yield above what bonds or savings accounts provide. Our notes come with full documentation: complete payment history, title insurance, and all underlying loan documents. Typical returns range from 9 to 12 percent annually, depending on loan terms, seasoning, and loan-to-value ratio.

Note investing is passive by design. No tenants, no toilets, no property management. You simply receive monthly payments. If you're a qualified investor looking to diversify with a real estate-backed asset class, reach out and we'll share what's currently available in our portfolio.

A partial is a portion of a note's payment stream — not the whole note. Here's how it works: suppose a borrower has 240 remaining monthly payments on a 20-year note. FNC sells you the next 60 of those payments. You receive 60 monthly checks directly from our servicer. After payment 60, the note reverts entirely back to FNC.

This structure gives investors a shorter, defined investment window — ideal for those who want real estate-backed returns without waiting decades for a note to mature. Your capital is in and out in a predictable timeframe, and your return is locked in at purchase. The partial is secured by the same real estate collateral as the full note, giving you the same hard-asset protection with a tighter timeline.

Partials are a flexible tool used by individual investors, retirement accounts, and self-directed IRA holders. If you're looking for a defined-horizon investment backed by real property, this is worth exploring.

Hypothecation is how FNC borrows against notes already in our portfolio to deploy capital more efficiently. Instead of waiting to acquire more notes incrementally, we can pledge existing performing notes as collateral and borrow against them — putting private lender capital to work quickly alongside our own.

As a private lender to FNC, you provide capital at a negotiated fixed rate, secured by our performing note collateral. This is not equity — it is a documented secured loan between your entity and Freedom Note Capital LLC. You receive consistent fixed interest payments on your capital. The arrangement is straightforward, transparent, and memorialized in a promissory note and security agreement.

This structure is available to accredited investors only, in accordance with applicable securities regulations. If you're an accredited investor with capital to deploy and a preference for fixed, secured returns over equity risk, we'd welcome the conversation.