For private note owners
Turn Future Mortgage Payments Into Cash Today.
Own a privately held mortgage, land contract, deed of trust, or seller-financed note? ClearPath helps organize your note and connect qualified opportunities with professional note buyers so you can explore a full or partial sale.
No obligation • Confidential review • Full & partial sale options
A clearer first step
Organize the note. Understand the options. Decide at your pace.
Why note owners decide to sell
A payment stream can be useful—and still not fit the season you’re in.
Cash for a current goal
Some owners would rather access cash now than wait years for scheduled payments.
Simpler finances
A sale may help simplify a financial picture that has become difficult to manage.
Less collection work
Some note owners no longer want to track payments, records, and related paperwork.
Life or estate changes
Retirement, a move, a change in family circumstances, or estate planning can change what feels practical.
How it works
Three straightforward steps.
The first conversation is about understanding your note—not making you commit to a sale.
01
Tell us about your note
Share the basic details about the note, property, payments, and what you are considering.
02
We review and match
We organize the information, identify anything else that may be needed, and look for qualified buyer fit.
03
You decide whether to proceed
You can review available options and decide what, if anything, makes sense for you.
Two ways to explore a sale
Full note sale vs. partial note sale.
The right structure depends on what you want from the note and how much future income you want to keep. A review can help make the trade-offs easier to understand.
Full note sale
Sell all future payments
A full sale transfers the entire payment stream, subject to the final terms of an agreement. It may provide more immediate liquidity, but you give up the future payments connected to the note.
Partial note sale
Sell part of the payments
A partial sale transfers an agreed portion of the payment stream while you retain the remaining payments. It can preserve some future income, with different terms and trade-offs to evaluate.
What determines a note’s value
The details shape the conversation.
A note’s value is specific to its terms, payment history, property, and position. No single factor tells the whole story.
Unpaid balance
Interest rate
Remaining term
Payment history and performance
Property type and location
Equity and down payment
Borrower credit
Balloon terms
First vs. second position
Types of notes ClearPath works with
Private real estate notes, explained in plain language.
ClearPath can help organize information for a range of privately held real estate notes, including:
- Seller-financed mortgages
- Deeds of trust
- Contracts for deed
- Land contracts
- Privately held first and second liens
- Land, home, and rental property notes
Why ClearPath
A process built for informed decisions.
Organized
We help put note details and documents into a clearer picture for review.
Transparent
We explain what is known, what is needed, and what each next step means.
Qualified network
We work toward relevant conversations with professional buyers whose criteria fit the note.
No pressure
A review gives you information to consider. You decide whether to continue.
Frequently asked questions
Start with the questions you already have.
Is there a cost to have my note reviewed?
There is no obligation to proceed with a review request. Any specific costs, fees, or transaction terms should be explained before you decide whether to move forward.
Do I have to sell the whole note?
No. Depending on the note and buyer criteria, you may explore a full sale, a partial sale, or simply learn more about your options.
What documents will I need?
Helpful documents may include the note or contract, mortgage or deed of trust, payment history, property information, and any related supporting records. We can tell you what is relevant after the initial review.
How long does it take?
Timing depends on the completeness of the information, the note’s terms, and whether a qualified buyer wants to evaluate it. We will explain the next step as the review progresses.
Am I obligated to proceed?
No. Requesting a review does not require you to accept an offer or continue with a transaction.
What if my borrower is still paying on time?
A performing payment history is one factor buyers may consider. It does not guarantee a value, offer, or buyer interest, so the full note details still matter.
Do you work with land contracts and second liens?
Yes, ClearPath can organize information for land contracts and privately held first or second liens. Buyer fit depends on the specific terms and supporting information.
A clearer next step
See What My Note Could Be Worth
Share the basics of your note for a confidential review. There is no obligation to proceed.
See What My Note Could Be WorthNo obligation • Confidential review • Full & partial sale options