Amerinote Xchange Blog

Direct Buyers vs Brokers vs Marketplaces for Business Notes (Comparison)

The right approach depends on your priorities, the characteristics of your note, and what outcome matters most to you—speed, exposure, or certainty. Whether you’re…

March 3, 2026

Business Note Valuation: Why Notes Sell Below Face Value

If you’re thinking about selling a business note, you probably expect to receive the full balance—or something close to it.

March 2, 2026

Secured vs Unsecured Business Notes: Which Can You Sell?

A business note is a debt instrument where one business owes another money over time—typically from a seller-financed business sale, equipment financing, or a…

March 2, 2026

Performing vs Non-Performing Business Notes: Can You Sell Both?

If you’re holding a business note and thinking about selling it, the first question any serious note buyer will ask is simple: Is the…

March 2, 2026

The different (RELEVANT) Types of Deeds in Real Estate in 2026

When you buy or sell a home, a crucial piece of paper makes it official: the property deed. It’s more than a formality —…

December 16, 2025

Grant Deed vs. Warranty Deed: What are the differences?

When it comes to transferring property ownership, not all deeds are created equal. Both a grant deed and a warranty deed are legal documents…

December 16, 2025

Grant Deed vs. Deed of Trust: What are the differences?

In real estate, paperwork defines ownership, rights, and responsibilities. Two documents that often confuse homeowners and buyers are the grant deed and the deed…

December 16, 2025

What Is a Subordinate Lien & Why Should You Care in 2026?

A subordinate lien is a legal claim on your property that ranks behind another lien in priority. If you’re refinancing, taking out a home…

November 18, 2025

Allonge Definition & Meaning in Real Estate (expert explains)

An allonge is a separate piece of paper attached to a negotiable instrument—typically a promissory note or mortgage note—when there’s insufficient space on the…

October 15, 2025

Recourse vs Non-Recourse Loans: Complete Guide 2026

Understanding the difference between recourse and non-recourse debt can save you thousands of dollars and protect your personal assets. When you sign loan documents,…

July 17, 2025

How to convert a land contract to a mortgage

Buying a house on a land contract is a smart workaround if you can’t qualify for a traditional mortgage — yet. But it’s not…

May 15, 2025

Mortgage Bond Definition: How They Work, Risks, and Investment Strategies

The mortgage bond market plays a fundamental role in global finance, influencing institutional investment strategies and homeownership trends alike. Investors rely on these securities…

February 14, 2025

Land Trust Problems: Common Challenges and Effective Solutions

Land trusts. For many, they’re a mysterious legal entity—the stuff of conservationists and secretive landowners. In reality, they’re much more than that. These legal…

January 15, 2025

What's the difference between a Mortgagee and Mortgagor?

When navigating the world of mortgages, two key terms frequently come up: mortgagor and mortgagee. These terms represent different parties in the mortgage process,…

December 18, 2024

How do I put a Lien on a Property – Placing a Mortgage Lien

To buy a home, buyers can take out a mortgage loan to purchase a property if they are short on funds. They can then…

November 14, 2024

Can You Sell a House with a Deed of Trust? Here's How

Have you ever wondered how a house is legally owned? It’s not as simple as just owning the keys. 

October 15, 2024

Mortgage Default Consequences + How to Get Out

As of 2023, 1.4% of all US mortgages were classified as defaulted, meaning they were 90 days or more late. This can have serious consequences,…

September 16, 2024

Understanding Collateralized Mortgage Obligations (CMOs) in 2024

Have you ever wondered how investors manage their exposure to mortgage-backed securities?

August 15, 2024

Assignment of Mortgage Explained: Process, Benefits, & Concerns

When a homebuyer gets a mortgage, they agree to pay back the money they borrowed from a lender, usually a bank. These payments are…

July 15, 2024

Mortgage Note Endorsement: Insights for Buyers & Sellers [+Video]

When you take out a mortgage to buy a home, you sign a promissory note as a promise to pay back the loan. Sometimes,…

June 14, 2024

Differences between Deed of Trust and Mortgage States (Full State List)

When you’re looking to buy a home, you’ll likely come across terms like “mortgage,” “deed of trust,” “land contract,” “real estate contract,” and even…

April 11, 2024

What a Deed in Lieu of Foreclosure Is (Plus Common FAQs)

If you’ve tried everything but just can’t make your mortgage payments anymore, you may be looking for ways to avoid foreclosure. In this situation,…

February 15, 2024

Hybrid vs. Desktop Appraisal: Real Estate Valuation Methods

If you need a home appraisal, you may have run into a couple of challenges with traditional appraisers. Two of the most common challenges…

January 15, 2024

Real Estate Owned (REO) Properties – Meaning, Pros, & Cons

Some terms are practically synonymous with the intricate world of real estate. Some, like mortgages, are fundamental things related to this field that everyone…

October 16, 2023

Seller Financing 101 for home buyers, sellers & investors

Seller financing can be highly advantageous to both buyers and sellers. If you want to get your house off the market, offering a seller-held…

September 14, 2023

Simultaneous Closing (SIMO) vs Double Closing in Real Estate

If you’re considering selling your mortgage note, you may be wondering how long the entire process takes. You may have also heard terms like…

August 15, 2023

Porting a Mortgage – Everything You Need to Know

Even though life is unpredictable, you can rest assured that there exists options that can make the process of buying a house easier. Porting…

July 25, 2023

Notes Receivable: Are Promissory Notes Liquid Assets?

Mortgage note holders owe it to themselves to understand the nature of the asset they’re sitting upon. Notes receivable are valuable, if often misunderstood,…

June 21, 2023

Who pays property taxes on a land contract? [2024]

The intricacies of land contracts can often be a tough task for both buyers and sellers. One of the common questions that people considering…

May 18, 2023

Do I need title insurance as a lender or home owner?

When buying a home, there are a lot of extras you’ll need to consider besides your mortgage. One example is title insurance, which financial…

March 14, 2023

HELOC Promissory Note: Everything you need to know in 2023

When most people think of a promissory note, they think of a loan agreement between two individuals. But did you know that you can…

January 13, 2023

Promissory Note vs Loan Agreement: difference simple explained

Promissory notes and loan agreements are documents that outline the details of a loan. They both outline the terms of the loan, including repayment…

December 15, 2022

721 Exchange: How Real Estate Investors leverage this trick

Selling a property can be a long and arduous process, especially if you’re looking to get the best return on your investment.

October 14, 2022

What to do with home sale proceeds in the current market?

Selling your home at a profit is a financially rewarding experience. However, knowing what to do with home sale proceeds can be difficult. There…

September 15, 2022

Everything you need to know about Land Trusts (+Example)

According to the most recent census data, there are approximately 1,363 land trusts in the United States. Put simply, a land trust is a…

June 23, 2022

When to Walk Away From a Mortgage

Unfortunately, real estate is not always guaranteed to be a good investment. Sometimes you can find yourself owing more on your home loan than…

April 27, 2022

How to Take Over Mortgage Payments on an Assumable Mortgage

If you’ve ever asked the question, “Can someone else take over my mortgage?” you’re in luck. There is a way to allow someone else to…

February 15, 2022

What Happens to Your Mortgage When You Die?

If you’ve recently had a loved one pass away, you may be wondering what happens to a mortgage when the borrower dies. Unfortunately, there…

November 12, 2021

Judicial Foreclosure & Non-judicial Foreclosure: A Borrower's Guide

Put simply, “judicial foreclosure” is the legal term used for a foreclosure that goes through the local court system. However, there is much more…

October 15, 2021

Owner Financing Contract Template | Free Forms [Updated 2026]

While it’s easy to find an owner financing contract template online, it’s not always easy to understand what all the legal terms mean. With…

March 11, 2021

Balloon Mortgage Payments: What Are They [Examples + Rates]

At some point, everyone who’s interested in financing real estate has asked themselves the question, “What is a balloon payment on a mortgage?“ While…

February 9, 2021

Due on Sale Clause: Definition & Mortgage Exceptions

As you likely already know, offering the option of seller financing can be an effective way to make purchasing your home an option for…

August 21, 2020

Seller Carry Back Loans: Owner Financing Notes Example

Believe it or not, getting a mortgage from a bank is not the only way to finance the purchase of a home. In fact,…

June 10, 2020

Purchase Money Mortgage: What It Is [+ Steps to Loan Purchasing]

Real estate has many complex terms and “purchase money mortgage” is one of them. If you’ve asked yourself “what is a purchase money mortgage?”…

May 7, 2020

Secondary Mortgage Market: What It Is & Who Its Participants Are

Understanding the secondary market for real estate is crucial for new would-be-buyers and investors alike. With that in mind, below is an answer to…

March 10, 2020

Holding a Mortgage Note on Real Estate

A mortgage note, sometimes called a promissory note, is a document that contains all the necessary information and terms that property buyers and sellers…

October 20, 2019

Mortgage Note: What It Is Plus Examples and Samples

A mortgage note is a legal document which describes the terms of repayment of a loan secured by real estate. The terms include a…

March 8, 2019

How does a Land Contract work and what is it? How to sell one?

A land contract, also called an “installment land contract” or “contract for deed,” is a seller-financed way to buy or sell real estate. Instead…

February 16, 2019

Partial Purchase Mortgage Note Offer Helps with Taxes

A partial purchase mortgage note offer can deliver serious benefits. You get instant access to cash by selling a portion of your note to…

January 26, 2019

Companies That Buy Mortgage Notes

Mortgage loans, as we know them today, date back to the 1930s, when FDR’s New Deal created the Federal Housing Administration, and with it,…

December 11, 2018

How to Sell an Inherited Mortgage Note | Amerinote Xchange

You may have recently lost a loved one. This may require the settling of an estate and dividing assets. One of those assets may…

October 26, 2018

What Is A Contract for Deed? What's It Mean? Any Disadvantages?

A contract for deed arrangement is one that allows a home buyer to purchase a property directly from the seller, without the involvement of…

September 13, 2018

Who Buys Real Estate Contracts?

We often get asked by potential clients, “Who buys real estate contracts?” Or, more importantly, “will you buy my real estate contract?” Though we…

May 14, 2018

Learn Who Buys & How to Sell a Promissory Note from Experts

Selling a promissory note should not be a complicated undertaking. In fact, the overall process can be smooth and hassle-free when you prepare accordingly…

March 20, 2018

Property Contracts: Deed of Trust, Mortgage, & Promissory Note

When you start getting involved in buying and selling real estate notes, it can seem like there is a secret language, known only to…

April 26, 2017

Hidden Benefits Uncovered: Seller Financing vs Rental Property

Already one of the lesser-known investment opportunities, seller financing has earned a poor reputation as the tactic of only the truly desperate. After all,…

February 28, 2017

Mortgage Note Sale | Learn the Common Concerns

Why are individuals or entities like note buyers interested in buying a mortgage note as an investment, and what are the major risks involved?…

June 17, 2016

Mortgage Note Sale | Get Paid for Your Mortgage Note

For some property sellers and buyers, a mortgage is an obstacle to full property ownership instead of a vehicle that makes full ownership possible.…

June 11, 2016

How Does Dodd Frank Affect Seller Financing for Investors?

If you’re in the real estate industry, then you are probably familiar with the Dodd Frank legislation that went into effect on January 10,…

January 10, 2014

The Difference Between Mortgages & Promissory Notes

If you’re not in real estate, learning the difference between a mortgage vs. promissory note can get complicated and convoluted. They both are important…

May 29, 2015

Create a Mortgage Note for Resale | Amerinote Xchange

We have been operating within the secondary mortgage note market for nearly two decades, and one of the most common issues we come across…

December 8, 2014

How to Find Notes with Little to No Budget

For note brokers without a budget, effectively marketing your note business and getting the property seller to say yes to your note offer can…

October 27, 2014

Can I Get Scammed When Selling My Mortgage Note?

This is obviously a question that would need to be addressed (and answered) if you are planning on selling your mortgage note on the…

January 10, 2014

Land Trusts – byline preview

According to the most recent census data, there are approximately 1,363 land trusts in the United States. Put simply, a land trust is a…

August 25, 2026