Wolf Empire Homes pays top-dollar for notes all across the nation. We can purchase your note quickly, providing you with immediate liquidity.

Looking to Sell All or Part of Your Note?

We don’t apply a one-size-fits-all approach when buying notes. Wolf Empire Homes understands that every situation is different so we evaluate each note individually to offer a creative solution.

Common Reasons People Sell Their Mortgage Notes

How It Works

1. Provide us with basic information about the property and note.
2. We will get back to you with 48 hours and let you know how much cash when can offer for the note.
3. If you choose to proceed, just send us a copy of the note and we will put together a simple letter of agreement.
4. Return the signed agreement along with a copy of the closing statement for the sale of the property and proof of payment history. (check copies, post-marked envelopes, bank statements, etc. )
5. We will order title work, appraisal, and a credit report on the borrower-all at our expense.
6. Once the details are verified, we proceed with scheduling closing at a reputable title company.
7. RECEIVE YOUR CASH!

A Note Buyer You Can Trust

Although we are based in Texas, we buy notes all across the nation. We treat all sellers with respect and are committed to providing a win-win solution. We exist only to serve and ensure you are treated fairly and with respect. I guess you can say it’s the Southern Charm.

No Hidden Fees

We cover all of the costs associated with selling your note.

Free Note Appraisal

There is no cost or obligation to receive your quote.

Free Schedule

We’ll also provide you with a free Amortization Schedule

White-Glove Service Commitment

Our premium service is exhibited by using special attention to detail. We are committed to handling every seller with care, integrity, and honesty. Wolf Empire Homes is ALWAYS willing to go the extra mile to satisfy our clients.

Types of Notes That We Buy

Frequently Asked Questions

Will it cost me anything to receive a quote?
There is no cost or obligation to obtain a quote.

Will it cost me anything to sell my note to you?
No, we cover all of the cost. You will receive the amount that we quote you.

How long will it take to get my cash?
Typically we close within 3-4 weeks. However, we ask to allows 45 days in the case of any unforeseen title or foreclosure issues.

What does the purchase process look like?
If you like our quote, we’ll prepare a simple agreement confirming the details. We will gather information from you, order the title work and appraisal, and we may also obtain a credit report on the payor. Once all details are verified, we proceed with scheduling the closing.

Where will closing take place?
We usually prefer to close at a title company or attorney’s office in the county where the property is located. If you already have a title policy, we will close at the same title company or attorney’s office who issued the policy.

What documents will I need to provide?
If you accept our offer, in order to prepare the note purchase agreement, we will need to have a copy of the note, mortgage or deed of trust, and settlement statement from when you sold the property. (You’ll need to bring the original note and your driver’s license to the closing.)
We will also need proof of on-time payment history, typically copies of the checks or post-marked envelopes. If those are unavailable, we can sometimes use your bank statements showing the deposits made each month.

It will speed up the process if you also give us any previous appraisal or title work that you may have.

Prior to closing, we will call the homeowner’s insurance agent to have our name added to the property insurance as a mortgagee insured.

Will you contact the payor on the note?
We ONLY contact the payor after the agreement has been signed and have made the decision to proceed with the sale.

Will you buy my note if there have been late payments?
Each note is carefully reviewed and on a case-by-case basis. We may still be able to purchase the note based on other factors.

What if the property taxes are delinquent?
We generally do not buy a note if the property taxes are delinquent because the note would typically be in default. As the seller of the note, we do not allow you to pay the delinquent taxes out of your proceeds from the sale of the note.

Does my spouse need to sign the Purchase Agreement?
If the note is payable to both you and your spouse, both you and your spouse will need to sign the agreement.

Do you buy land contracts?
Yes, we buy land contracts. In some cases, we may want to help you convert the contract to a mortgage or deed of trust prior to purchase.

Do you buy notes secured by mobile homes?
Yes, we can but the note if the mobile home has been permanently fixed to the ground and is now considered real estate.

Do you buy notes secured by commercial properties?
Yes, we buy notes secured by owner-occupied homes, rental homes, commercial properties, and land.

Will you buy a new note?
We prefer to have at least three months of seasoning, that is, that the payor has made at least three payments. The longer the seasoning, the more we can pay for the note. Ideally, we like to see twelve months of payments, but it is NOT required.

Get Your Quote Today!