America’s Preferred Note Buyer!
When working with Central Valley One, Inc., you can expect to receive a personalized client experience from start to finish. As a Principal note buyer, we leverage our real-world experience and over 100 years of combined escrow expertise to provide top cash offers and complete transactions quickly. Oftentimes, in just 10 to 21 days.
It’s this kind of efficiency and personal attention that you can only expect from a dedicated company that values every client.
Why Work with Central Valley as your Note Buyer!
At Central Valley One, REAL PEOPLE answer your calls, and real people handle your transaction from start to finish.
Starting with your first call to the final step, you’ll work with real people who are committed to making your experience smooth, personal, and stress-free. There are no handoffs or confusion. Just consistent support from start to finish.
Personalized service means “no” automated emails or answering services. And, No AI! You deserve to have a conversation with a real person who understands your transaction when you’re looking to sell your promissory note or trust deed note
We strive to provide the best Cash-Out pricing upfront while keeping the escrow and overall closing process simple. If you are looking to sell your note, please give us an opportunity to review pricing options and explain in detail how the note-buying technical process works.
We Buy Notes Secured by the Following Property Types:
- Single-family residential units (both owner and non-owner occupied)
- Manufactured home/Mobile home with land combination.
- Bare, unimproved, and Improved land parcels
- Commercial properties.
Note Buyer’s structure Purchases two ways:
We always provide a full-purchase cash-out offer and a variety of partial-purchase options that may fit specific needs.
With a full purchase, Central Valley One, Inc., purchases the entire remaining balance of your mortgage note. You receive a lump sum payment at closing.
With a partial purchase, Central Valley One, Inc., purchases a portion of the payments. When that number of payments has been made, the partial is complete, and the payments revert to the note holder.
As a quick example, there might be 144 payments remaining on a promissory note. We make a cash offer to purchase 24 payments; after receiving the 24 payments, the purchase is complete, and all future payments revert to the note holder.
This allows a client to sell only a portion of it, while retaining the remaining future payments. Many clients use this strategy to free up funds now for travel, new investments, and personal needs, all the while retaining their remaining payments after the portion we purchased is paid out.
Partial purchase reasoning is simple: the smaller the amount purchased of any promissory note, the less money Central Valley One or any other note investor will make. This is always the most beneficial option for any note holder seeking to cash out a promissory note.
Contact us today for a no-obligation cash-out offer!
Note holder’s most common questions:
Whether you’re a first-time note holder seeking a Mortgage Note buyer or an active real estate investor, we welcome your inquiry.
We prioritize our one-on-one client consultations with personal attention. We are here to answer your questions about selling your Note.
The typical question-and-answer cash-out conversation lasts anywhere from 5-10 minutes.
Below is a list of questions we receive daily from current note holders who are inquiring about selling their mortgage notes.
- I want to sell my Note. How much can you offer me?
- Promissory Note: What is it?
- What is a Note Buyer?
- How does the sale of my note affect the current borrower?
- How does the closing process work?
- When do I receive my money?
- Discount, why is there a discount?
Receive an offer:
800-819-0615
We Buy Notes! How much can we offer you?
There are two purchase options available for most Mortgage Notes: Full Purchase and Partial Purchase.
With a full purchase, Central Valley One, Inc., purchases the entire remaining balance of your mortgage note. You receive a lump sum payment upfront.
With a partial purchase, Central Valley One, Inc., purchases a portion of the balance due, for example, the next 24 months of installments.
Several factors are considered when making a cash offer for a mortgage note. Although it’s not necessarily in any specific order, the mortgage industry generally considers the following:
- Property type, collateral type.
- Equity, preferably upfront cash equity, at closing.
- Note Terms, Payment amount, Interest rate.
- Duration of the note terms.
- Repayment schedule: Amortizing, interest-only.
- The time value of Money is a significant factor.
As a trusted note buyer, we take an informative approach to every transaction.
Our Note Buyer Resources section of this website provides valuable information to help you understand the note-selling process, evaluate your options, and make confident decisions when researching the sale of your note.
Whether you’re a new note holder exploring your selling options or an experienced investor who has previously held private notes, we are here to help and guide you every step of the way.
Promissory Note: What is it?
A promissory note is a legally binding document that formalizes the details of a loan agreement between a borrower and a lender. It clearly outlines the original loan amount, interest rate, repayment schedule, and the agreed-upon loan term. When real estate is used as collateral, a promissory note is typically secured by a mortgage or deed of trust, which is recorded in the public record to protect the lender’s interest.
The lender, also known as the beneficiary, holds the promissory note until the borrower has fully satisfied all repayment obligations. In essence, a promissory note is a formal “I Owe You” (IOU) that establishes accountability between the parties and provides legal assurance that the loan will be repaid under the agreed terms.
As explained, Chase Bank. (2025, July 29,) – Promissory note in real estate, explained. https://www.chase.com/personal/mortgage/education/financing-a-home/promissory-note
What is a Mortgage Note buyer?
Mortgage note buyers are investors, institutions, or private individuals who purchase mortgage notes for investment purposes. These groups provide note holders with the option to sell for a lump sum rather than wait years for monthly payments. Mortgage notes are purchased on the secondary market for passive income.
Many investors are familiar with traditional real estate, purchasing physical property to generate rental income or profit from market appreciation. Note investing, however, offers a different approach to real estate investing without the responsibilities of property ownership.
Note investing involves purchasing the debt secured by real estate, not the property itself. As the note buyer, you become the lender, earning income from the borrower’s payments of principal and interest over time.
Institutions, this group typically consists of private investment companies that purchase mortgage notes for resale. They will either originate private loans or assign existing packaging and resale contracts to a larger banking institution.
Private individuals, retirees, passive-income investors, contractors, or real estate pros who make a living from fix-and-flips will use seller financing to complete real estate sales.
Real estate investors who have an extensive rental portfolio. This group of investors will also use seller financing to build a retirement-income portfolio. Often, they are older or unwilling to comply with the newer onslaught of rental requirements imposed by local cities or ordinances.
How does a Note Sale affect the current borrower?
When a mortgage note is transferred to a new holder, the borrower generally experiences no changes to their obligations or payment terms.
The terms for the borrower remain the same. The borrowers are responsible for making payments in accordance with the original agreement.
The most significant change, if any, is the payment address for future payments to the new account servicing agent. The borrower will be notified of the transfer, and payment instructions will be updated accordingly.
More importantly, the terms and conditions of the mortgage, including the interest rate, payment schedule, and maturity date, remain unchanged unless explicitly renegotiated.
In summary, there are no changes to the borrower obligations; the only adjustments are administrative, relating to where and how payments are sent.
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How does the Closing Process work when selling a note?
The note sale, purchase, and closing process is handled through an escrow. “Escrow” is a term that describes a neutral third party that handles transactions of all Types. Including real estate sales, trust deeds, and mortgage assignments, better known as note purchases.
Note Buyer and Fraud Protection for all clients!
Although this is not a traditional real estate purchase, to help prevent fraud and ensure a secure transaction for all parties involved, Central Valley One utilizes established real estate title companies for all note purchases, such as the following:
- Pioneer Title Agency in Arizona.
- Great American Title Company in Florida.
- Fidelity National Title in most states.
Escrow Closing with a Title Company.
Central Valley One will provide the escrow officer with escrow instructions. The escrow instructions are directions followed by the escrow officer. We also include several tasks to be completed during the escrow, such as executing documents, recording the assignment, and transferring funds.
We also request an updated or new title policy. This will consist of a title search. Most transactions involving note buyers require a clear title report for several reasons.
- We provide instructions to open escrow with the title company.
- These escrow instructions will require a title search and closing directions.
- Once the title search is completed, the title is confirmed as clear.
- The closing package is prepared and provided to all parties.
- Once all parties have executed the closing package, the escrow officer is instructed to verify the mortgage details and ensure all signatures are correctly executed before recording and completing the wire transfer with the note seller’s proceeds.
I want to cash out my note. How do I receive my money?
The seller’s proceeds are transferred via bank wire. This is standard; title companies no longer process cashier’s checks. If they do, it’s infrequent. This is to prevent fraud.
As a Note Buyer, what is your Acquisition protocol?
Enter the strategic time-tested analytics developed from a “Real-world approach” with a trial-and-error set of guidelines by the Banking/finance industry. This approach is applied to mortgage loans, and the discounted mortgage note industry is used to analyze and provide an accurate purchase offer by discounting the note.
These strategic guidelines have significantly reduced the risk of approving new mortgages, including those involving note buyers who follow these guidelines in mortgage assignment transactions, also known as buying a mortgage note at a discount.
Why does a Note buyer have a Discount?
When selling a real estate note, the seller typically receives less than the remaining balance, resulting in a discount. This discount compensates for several factors, including the added risk to the note buyer and, secondly, the inflation factor resulting from the time value of money.
The time value of money is the principle that money today is worth more than the same amount in the future.
One of the most important things to remember when selling a note is that there is no clear-cut discount for any specific private mortgage note. Every note is evaluated
individually by the mortgage buyer, ultimately on a case-by-case basis.
The note buyer is trading an equivalent amount of cash today for cash to be received over several years, or, in many cases, over 10 years or more, before the mortgage note buyer, Central Valley One, Inc., receives the equivalent cash return under the terms of the note.
Then you have the reality of risks as another primary concern, including potential borrower defaults, unexpected property issues, and market fluctuations that could affect property values.
Notes are discounted primarily because investors (note buyers) are purchasing the right to receive future payments, and future money is worth less than cash today due to risk, time, and opportunity costs. We consider the following:
- Property type.
- Time Value of Money – The principle of money today is worth more than in the future.
- The down payment, cash at closing, often determines the equity position.
- Payment structure, interest-only, amortizing, and the distance to the maturity date.
- Borrower’s creditworthiness, or corporate payor. (No personal guarantee).
- Investment to Value.
- Property Condition.
Risks of Holding a Mortgage, or Trust Deed Note: The Ugly Side!
Notes are discounted to account for risk and the time value of money factor. Although notes can be a good investment, they are a long-term, passive investment strategy. Before investing in a note secured by real estate, a thoughtful due diligence plan should be factored into any purchase offer.
The fastest way to lose money and create serious unwanted time-wasting issues is to buy discounted notes driven solely by a unilateral greed discount.
Note buying as an investment without a proven due diligence strategy can lead to late payments, defaults, and, in the worst case, bankruptcy before any foreclosure is completed.
If borrowers default and then file for bankruptcy, the court process can tie up the property for an extended period. This risk is catastrophic to a note buyer. In most cases, properties that are not maintained end up in a distressed condition.
If the note buyer, especially Central Valley One, is involved in short-selling the property after legal fees and time-consuming issues with a bankruptcy, and finalizing any foreclosure procedure with the courts.
This is a nightmare scenario; this can tie up the property for several years.
Meanwhile, the note holder may be responsible for any delinquent property taxes and insurance premiums. Then, when it’s all said and done, the borrower could legally stay in the property and then destroy it on the way out the door.
In many cases, the note holder would sell the property short to a local real estate investor for cash. The potential note buyer ends up with a significant or total loss. This scenario is all too familiar and, unfortunately, catastrophic for the note investor.
Many mortgage note holders claim they want to foreclose to build value in the conversation and use it as a negotiation tool to secure a higher purchase offer for their note.
The reason is they may have purchased the property many years ago, for example, for $45,000.00, then rented it for 15 years and sold it under a private contract for $140,000.00.
The cost basis to this note holder might be $65,000.00, considering repairs, taxes, and
Property insurance. Even at $800 a month for 15 years, it puts them in a favorable, profitable position. This would be a perfect example of a note holder claiming they have
no issues with a foreclosure.
This is not a win-win strategy for most note investors looking to acquire mortgage notes for passive income.
The note holder’s cost basis in the property is much lower than that of any mortgage note buyer. In most cases, the note buyer would end up with even money at best if the deal goes south. The note seller, on the other hand, is typically unaware of the foreclosure process and its details.
The real estate investor holding a note would often have no issue with pursuing a foreclosure, as they see it as a more profitable strategy. On the other hand, the typical mortgage buyer has a cost basis and opportunity cost that is much, much higher. Therefore, any mortgage buyer purchasing notes for passive income clearly does not want to end up in foreclosure.
Central Valley One, or any mortgage note buyer seeking passive income, would rather solve the problem by helping the buyer sell the property or, if necessary, by modifying the note terms to avoid a catastrophic foreclosure.
Referrals
Over the years, as a leading national note buyer, we have made a strong impression on many people. We’ll be happy to provide you with real-world referrals from the following sources upon request:
- Google Reviews
- Better Business Bureau reviews
- Escrow officers from title companies
- Prior clients, note sellers, borrowers/payers from prior accounts purchased
- Servicing agents who handle our accounts
- Principal note buyer verification with public record assignments
- Corporate info