SIMPLE. SECURE. STOUT.
YOUR TRUSTED PARTNER IN REAL ESTATE NOTES
what are NEXT steps in the process?
Real Estate Notes: A real estate note is a written agreement in which a borrower promises to repay a loan used to purchase property, outlining the loan amount, interest rate, and repayment terms. It can be generated by a seller and then becomes an owner financed real estate note, but the loan to the buyer acts the same as if the borrower received financing from a bank or mortgage company.
Mortgage Notes: A mortgage note is the legal document that secures the property as collateral against the terms of the Note until the loan is paid off in full.
Deeds of Trust: A deed of trust is a legal instrument that secures a real estate loan by transferring the property's title, that is the collateral, to a neutral third party (trustee) until the loan is fully repaid. This is used in certain states.
REQUEST A QUOTE: Start by completing the QUICK QUOTE form and providing some basic information about the property.
GET A CASH OFFER: We’ll review the details and send you a cash offer.
ACCEPT THE TERMS: Review the offer, if you accept the offer, then sign the purchase agreement.
REVIEW: Next, our team will begin reviewing the documents you’ve submitted and order a property valuation. In some cases, we may also open title.
FUND & CLOSE: Once underwriting is complete, we’ll schedule the closing—either directly with you or through a local title company.
WHAT IS A NOTE BUYER?
what do we purchase?
A note buyer is a company or individual who purchases real estate secured promissory notes. These promissory notes are secured by a deed of trust or mortgage. At Stout Financial, we purchase notes from individuals or companies who have sold a property and carried back an owner financed note as part of the sale. Selling a note can be a beneficial option for note holders looking to access funds quickly, simplify their financial portfolio, or reduce risk.
what infO do i need to provide?
Once you have submitted the QUICK QUOTE form, gather the following documents that are needed to continue the underwriting process:
The HUD or settlement statement
Promissory Note
Contract used to sell the property
Current insurance policy
why choose stout financial?
Real People, Real Service
Work directly with knowledgeable staff—no frustrating phone trees or endless voicemail loops.
Fast, Responsive Communication
Our team values your time. We respond quickly and work efficiently because we know that time is money—especially yours.
Custom Pricing for Every Note
We don’t do one-size-fits-all. Each note submission is carefully evaluated to provide you with the strongest possible offer.
Personal Attention, Professional Results
Receive personalized service from experienced professionals who are equipped to handle even the most complex transactions with confidence—ensuring a smooth, seamless process from start to finish.
Direct, Competent, Streamlined
We’re a private investor—not a big bank. No middlemen, just straightforward service from a team you can trust.
Over 30 Years of Experience
With decades of industry expertise, we bring knowledge, stability, and proven results to every transaction.
how DOES A NOTE BUYER VALUE A NOTE?
There are several key factors that influence both the risk and return of the investment of a real estate note. Valuing a note is rooted in the science of investment strategy and the note buyers credibility and knowledge of the current real estate market trends —while some elements are objective, like equity and credit score, others aspects of evaluations depend on the buyer's portfolio preferences and risk tolerance in a fluctuating market.
Most reputable note buyers focus on the type and condition of the collateral, the amount of equity built through down payments and consistent monthly payments, the creditworthiness of the borrower, and the overall terms of the note—including interest rate and loan duration. These elements all work together to determine the market value and attractiveness of your note.
SHOULD I KEEP OR SELL MY NOTE?
If you own a mortgage note, you can unlock cash by selling it. The question becomes: who can you trust to get the closing done right? At Stout Financial, along with our investment partners, we bring years of hands-on experience navigating everything from paperwork and servicing issues to tax liens that may affect the value of your note. Let us step in, handle the details, and get it closed—efficiently and professionally. This is what we do.
Is the borrower keeping up with property taxes, insurance, and home maintenance? Will they still be financially stable five or ten years from now? Selling your mortgage note can help you avoid these uncertainties. Either way, it’s wise to speak with a trusted, experienced mortgage note buyer from Stout Financial to explore your options and make the most informed decision..
Contact Us
Interested in learning more? Fill out some info and we will be in touch shortly. We can’t wait to hear from you!