Unlock the Value of Your Mortgage Note
Discover Your Cash Options Today!
Looking to turn your mortgage note into immediate cash?
Whether you’re looking to sell your entire mortgage note or just a portion, we offer customized solutions that fit your financial needs.
Receive a Free, No-Obligation Estimated Quote &
Enjoy a Complimentary $100 Restaurant Coupon!
Who am I
👤 Jerome D. Westbrook
NMLS #2545328
With over 30 years in real estate and mortgage finance, I’ve seen firsthand how the right financial move can change lives.
I’m a licensed loan officer in all 50 states, and I work closely with note holders and property owners to create win-win solutions—whether that’s through a full cash-out or a creative partial sale.
I believe every seller deserves clarity, fairness, and a process that fits their unique situation.
How does the note-selling process work?
Our process begins with a detailed consultation to understand your note and financial goals.
We then provide an estimated quote within 48 hours.
After your acceptance, we conduct due diligence to verify the details including credit, appraisal, and title before presenting a formal offer.
Once approved, we proceed to closing and ensure you receive your funds promptly.
Full Note Purchase
Sell Your Full Note. Get Paid in a Lump Sum.
Trade your monthly payments for one upfront cash payment—and walk away without managing the hassle of
long-term collections or risk.
Perfect for note holders who want to cash out now. We handle the paperwork. You get paid!
Watch the video to see how the process works!
Immediate Lump Sum Payment: Receive a one-time cash payment for your entire mortgage note, giving you quick access to funds.
No More Borrower Risk: Eliminate the worry of late payments or default by transferring all future payment obligations to us.
Hassle-Free Process: We handle all the paperwork and transaction details, ensuring a smooth and stress-free experience.
Maximize Financial Flexibility: Use your cash payout for new investments, paying off debts, or funding personal projects.
Partial Note Purchase
Discover the flexibility of partial note sales—get cash now while still receiving future payments.
Watch the video to find out how!
With a partial note sale, you keep some of the future payments while still receiving cash up front.
This allows you to access some liquidity now without giving up your entire income stream from the note. We’ll purchase a specific number of payments from your note, and once those are completed, the payments revert back to you.
This is an ideal solution for note holders who want flexibility—cash now, but continued income in the future.
Keep Future Payments: Unlike a full note sale, you don’t lose the entire value of the note. You sell a portion now but still retain payments in the future, ensuring long-term financial security.
Customized to Fit Your Needs: A partial note sale is highly flexible. You can choose how much of the note to sell based on how much cash you need now. Whether you want to sell the next 12 payments or the next 5 years of payments, you remain in control of your note.
Reduce Risk, Keep Control: A partial sale allows you to transfer some of the risk associated with non-payment while retaining a portion of the note. It’s ideal if you want to minimize risk but still want income down the road.
Immediate Cash Flow: With a partial sale, you receive an immediate lump sum for the payments you sell. This helps you take care of urgent financial needs or allows you to reinvest the money in new opportunities.
Quick and Simple Process: The process for a partial note sale is just as fast and easy as a full sale. You’ll receive a cash offer quickly, and once accepted, we’ll handle all the paperwork, ensuring a smooth transaction.
🧩Customizing a Partial Note Sale for Your Unique Situation
💡 Every note holder’s needs are different.
📌 Whether you want a small lump sum now or a larger portion upfront partial note sales let you choose how many payments to sell based on your financial goals.
👉 Here’s one simple example to show how this strategy works:
Imagine you hold a note with a $100,000 balance and monthly payments of $1,000 for the next 10 years.
You need $30,000 cash now - for a business, a personal goal, or an unexpected expense.
With a partial note sale, you could sell just the next 30 payments to receive a lump sum upfront.
After 30 months, your payments return to you - allowing you to keep the long-term benefits of owning the note!
Need More Flexibility?
Here's another example of how we structure note sales creatively designed to help you access cash now while keeping future value.
As a thank-you for working with us, we offer select clients a complimentary vacation!
Want to know more? Check out the FAQ section below or ask during your consultation!
Frequently Asked Questions: Get Clear Answers About Selling Your Mortgage Note
What is a mortgage note?
A mortgage note is a promissory document where the borrower promises to repay the lender a specific amount of money, usually with interest, over a set period. When you sell a property and offer seller financing, you create a note that outlines the terms of the repayment.
What types of notes do you purchase?
We purchase residential, commercial, and land notes, as well as contracts for deed and deeds of trust. If you’re unsure whether your note qualifies, contact us for a free consultation.
Why should I consider selling my mortgage note?
Selling your note allows you to receive a lump sum of cash instead of waiting for monthly payments over time. It eliminates the risk of non-payment, missed payments, and the hassle of managing the note. It's also a way to immediately access liquidity for personal or business needs.
Are there any costs or fees involved in selling my note?
No, we cover all transaction-related costs. The offer you receive is the amount you’ll get paid with no hidden fees or surprises.
Is it safe to sell my mortgage note?
Yes, our process is safe and transparent. We provide a contract outlining all terms, and you’re encouraged to review it with your legal or financial advisor. We also follow strict guidelines to ensure the safety and privacy of your information.
What is a Full Note Sale?
You sell the entire note, meaning all future payments are assigned to the buyer. You receive a lump sum of cash up front and are no longer responsible for managing the note.
What is a Partial Note Sale?
You sell a portion of the note—usually the next few years' worth of payments—while retaining future payments. This allows you to access cash now without giving up all future income from the note.
What factors affect the value of my note?
The value of your note depends on several factors, including the unpaid balance, the interest rate, the borrower’s credit history, and the property’s location and value. We will assess all of these factors when providing you with a quote.
Why is my note not purchased at the full amount owed?
Notes are typically purchased at a discount based on a variety of factors like the interest rate, payment history, property condition, and borrower risk. This discount reflects the risk the investor is taking and the costs involved in managing and servicing the note. Our goal is to provide you with a fair, market-driven offer based on current investor demand.
Can I sell my note if the borrower has missed payments?
Yes, even if the borrower has missed some payments, we may still be able to make an offer. Contact us with details, and we’ll evaluate your situation.
What happens to the borrower when I sell my note?
The borrower will be notified that the note has been sold, and they will continue to make payments to the new note holder (us). There are no changes to their payment terms unless specified in the contract.
How quickly will I receive my money after selling my note?
The process typically takes between 7-14 days, depending on the complexity of your note. Once you accept the offer and all paperwork is completed, you'll receive your funds via wire transfer or check.
What is the $100 restaurant coupon, and how does it work?
The $100 restaurant coupon is a complimentary dining voucher that allows you to enjoy discounts and special offers at participating restaurants across the United States and Canada. You can use the coupon to save on meals and beverages at your favorite local dining spots.
How do I use the $100 restaurant coupon?
Once you receive the coupon, you’ll activate it online and access a list of participating restaurants in your area. Simply present the coupon or offer details at the restaurant to redeem your discount.
When will I receive the $100 restaurant coupon?
You’ll receive the restaurant coupon via email or SMS after we provide you with a free, no-obligation quote for your mortgage note.
Are there any costs associated with the $100 restaurant coupon?
The coupon is complimentary, but there is a small activation fee required to unlock access to the offers. Any additional expenses, such as taxes, gratuities, or purchases exceeding the coupon’s value, are the responsibility of the user.
What does the complimentary vacation coupon include?
The vacation coupon includes a 3-to-7-night stay at luxurious hotels or resorts in over 130 destinations worldwide. The accommodation cost is covered, but taxes and resort fees apply.
How do I qualify for the vacation coupon?
You will receive the vacation coupon as a thank-you gift after successfully selling your mortgage note through our service.
How do I book my vacation?
After receiving your vacation coupon, you’ll activate it online. Once activated, you have 18 months to select your travel dates and book your stay through our designated platform.
Are there any costs associated with the vacation coupon?
The vacation coupon is complimentary, but there is a small activation fee, as well as taxes and resort fees. Airfare, meals, and other personal expenses are not included.
Do I have to attend any presentations or timeshare meetings?
No, there are no presentations or timeshare obligations required. The vacation coupon is a reward with no hidden conditions.
Testimonials and Case Studies
“Working with Jerome was a game-changer. I was able to sell my mortgage note quickly and get the cash I needed to invest in my business. The process was seamless, and Jerome’s expertise made me feel confident every step of the way.”
— John D., Massachusetts
Case Study 1: Full Note Sale
Client
David M., Connecticut
Scenario
David had a mortgage note with a balance of $150,000 and wanted to cash out to invest in a new property.
Solution
After a consultation, Jerome provided a fast, fair offer for the full note purchase, allowing David to receive his cash in just 10 days.
Outcome
David was able to invest in a new property and no longer had to manage monthly payments or deal with borrower risks.
“I didn’t know much about selling a mortgage note, but Jerome explained everything clearly. I was able to sell part of my note, keep my cash flow, and still get some upfront cash. Couldn’t have been happier with the outcome!”
— Sarah T., California
Case Study 2: Partial Note Sale
Client
Linda K., Texas
Scenario
Linda was looking for liquidity but didn’t want to sell her entire note. She had $250,000 remaining on the note with 15 years left.
Solution
Jerome worked with Linda to sell the next five years of payments while keeping the remaining balance intact.
Outcome
Linda received a lump sum of $75,000 upfront and will resume receiving payments after the five-year period ends, maintaining her long-term financial goals.
So, what’s next
Fill Out Our Quick Survey.
Schedule a Free, No-Obligation Consultation!
To ensure a smooth process, it’s a good idea to gather the following documents:
The Promissory Note: This document, signed by the borrower, is essentially an IOU that outlines the loan terms, repayment schedule, and interest rate.
The Closing Statement: This will show the property address, sale information, and the down payment amount, providing a clear record of the transaction.
Payment Records: If you’ve used an outside servicing company to collect payments, request a record of when payments have been made. They can typically print and email this to you.
Ready to Explore Your Options?
Complete Our Quick Survey and
Get a Free, No-Obligation Estimated Quote!
Contact Us:
Phone: (413) 271-7961 Email: [email protected]
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