Answers to the questions Midwest note holders ask most.
A mortgage note (or promissory note) is a legal document that outlines the terms of a loan used to buy real estate. If you’re receiving monthly payments from a property sale, you likely hold a privately funded mortgage note, sometimes called a seller financed note, owner financed mortgage, or seller carryback note. A mortgage is a security agreement tied to property, while a promissory note is the promise to repay the loan. They work together but serve different purposes.
It’s not an appraisal and we don’t claim it is. A formal appraisal requires a licensed appraiser, a site visit, and a fee. What we provide is a data-backed overview of what notes like yours are currently trading for in the Midwest secondary market — based on real buyer activity, recent transactions, and the specific characteristics of your note. Think of it as the equivalent of a Zillow estimate for your house: not a formal valuation, but a well-informed, current picture of where the market stands. It gives you a real number to work with before you ever speak to a buyer.
Selling your private mortgage note can give you immediate access to cash, simplify your finances, and reduce risk. It’s also a great option if you no longer want to manage monthly payments.
Our reports are built on actual investor bid activity and comparable note transactions — not algorithms or national averages. We research what buyers are currently paying for notes with a profile similar to yours.
That said, a report is a range, not a guaranteed offer. Final pricing may shift slightly based on due diligence findings (title, insurance, payment history documentation). But our clients consistently tell us the actual offer landed within or very close to the range we quoted.
Mortgage note value depends on several factors: the remaining balance, interest rate, payment history, property value, and borrower’s creditworthiness. Owner-financed and seller-financed notes are valued the same way: by what active buyers are willing to pay in today’s market. We provide a clear, data-backed Market Data Report based on real 2026 Midwest investor activity, so you can see what notes like yours are currently trading for.
Absolutely not. The report is designed for note holders who simply want to know what their asset is worth, whether you’re thinking of selling, planning for retirement, or just curious.
Many of our clients keep their report on file for years before deciding to act. There is zero obligation attached to receiving your report.
Yes! Completely free. There are no hidden charges, no subscription, no credit card required. We provide the report at no cost because we believe you deserve clarity before you make any financial decision.
Yes. We are an established data research and lead generation firm. Your data is handled securely and in compliance with our 2026 Privacy Policy. We do not share your information without your consent.
Simply fill out our short form. It takes about 3 minutes. Tell us your note’s balance, interest rate, property state, and property type, and we’ll deliver your free Market Data Report.
Free Market Data Report. State-specific Midwest data.
Illinois
Indiana
Iowa
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Michigan
Minnesota
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Ohio
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Send us your question, and we will get back to you as soon as possible.
