Proficient Note Buyers
  • Frequently Asked Questions
  • Why do most people sell their notes?
The reasons people sell their notes are as varied as the people themselves:
  • They find a better investment opportunity
  • They need cash for their children’s college tuition
  • They encounter unforeseen medical bills
  • They no longer wish to deal with the hassles of servicing their note themselves
  • They need cash for a new car, motor home, boat, etc.
  • They just want to take that dream vacation
  • What factors determine the price you can offer for my note?
Several factors come into play: the interest rate on the note, the down payment at time of sale, the loan-to-value (LTV), the property type, property condition, the borrower’s credit and pay history all impact the value of your note.
  • Will the sale of my note affect the borrower in any way?
The terms of the note are not affected when you sell your note. The only thing that changes is where (and to whom) the borrowers send their payments.
  • How quickly can you fund?
The due diligence process typically takes two to four weeks, dependent upon a few factors:
  • Our ability to get copies of all needed documents from you
  • The time it takes to obtain a property value from a contracted professional (appraiser or real estate agent)
  • The time it takes to obtain an updated title report, if needed
  • Why should I work with you over one of your competitors?
Our company is founded on the principles of integrity, honesty, and fairness. We believe that if the transaction doesn’t benefit both the seller and the buyer that it simply shouldn’t be done. Our two principals have a combined 30+ years experience in buying and selling real estate notes – we can answer most (if not all) of your questions. We exist to provide solutions and service to our customers.
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Our efforts stay focused on note holders. If you are a note finder, a note broker, or anyone other than the actual note holder, please do not contact us.


Proficient Note Buyers
  • Blog
April 01, 2014
A Coastal Conundrum
As a note holder, what should you do when the county comes after you when the property falls into neglect?




  • News
April 01, 2014
Real Estate Agent, Account Exec Sentenced for Massive Mortgage Fraud
A prominent North County married couple were sentenced Thursday to more than three years in prison for a multi-million dollar mortgage fraud scheme, centered in San Diego.




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