Turn Your Private Mortgage Note Into Immediate Cash
Stop waiting decades for monthly payments. Cite Mortgage buys private promissory notes, land contracts, and trust deeds for a top-dollar lump sum in your pocket, where it’s safe.
Instant liquidity: Access cash now for new investments, paying debt, or emergencies.
Zero borrower headaches: Eliminate the risk of borrower default, late payments, and tax tracking.
No management chores: Stop accounting for IRS interest reporting and managing monthly collections
Flexible payout options: Sell your full note or just a portion of future payments for cash.
Property types: Single-family homes, multi-family units, commercial properties, and raw land.
Cite Mortgage
Private mortgage notes (also called promissory notes or real estate notes) are legal contracts where a buyer pays a seller for a property over time, rather than using a traditional bank. The seller essentially becomes the lender.
Today's Rates
Submit details: Share your note balance, payment history, and property type online
Buying a Home
Receive offer: Our underwriting team analyzes the asset and delivers a competitive cash offer.
Diverse Loan Options
Receive offer: Our underwriting team analyzes the asset and delivers a competitive cash offer.
Corporate Services
Get paid: We handle the legal transfer and wire your lump sum directly to escrow.
Tools & Estimators
Loan types: First trust deeds, purchase money mortgages, and land contracts.Â
Documentation: Requires a legally binding Promissory Note and a recorded Deed of Trust or Mortgage        Â
Seasoning: Minimum of 1 to 3 months of verified, on-time payment history is preferred.
Access Premium, High-Yield Real Estate Notes
Diversify your portfolio with passive, asset-backed cash flow. Cite Mortgage matches accredited investors with vetted private mortgage notes.
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Our Vetting & Due Diligence Framework
Title verification: We confirm clean title chains and ensure no senior lien interference.
Collateral valuation: Independent property valuations establish accurate Loan-to-Value (LTV) ratios.
Payment history: We analyze servicing logs to verify the payor’s consistency and creditworthiness.
Legal compliance: All documents are audited to meet state-specific lending and foreclosure laws.
Why Invest in Private Mortgage Notes?
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Real estate backing:Â Â Every note is secured by physical collateral valued above the remaining loan balance
Passive cash flow:Â Â Receive steady monthly principal and interest payments without landlord responsibilities.
Superior yields:Â Â Earn higher risk-adjusted returns compared to traditional bonds or high-yield savings accounts.
Investment control:Â Â Choose your preferred risk profile, from seasoned performing loans to non-performing notes.