ALL ABOUT NOTES
NEWSLETTER – July 2025
We hope you liked last month’s newsletter and we are excited to provide some new and interesting information about your Note, focusing on selecting interest rates, using third parties for closing and different types of offers for your Note.
Please read on to learn more about maximizing your investment in Notes!
MONTHLY FOCUS ITEMS
How the right Interest rate can ensure the future success of your note!
Want to maximize the value of your Note, then make sure your Note’s interest rate and terms are set up correctly on Day 1. Picking the correct Interest Rate for your Note is the first step in your future success!
Why is it important to use a third-party to sell your Note?
So, you have decided to sell your note, you found a buyer and agreed on a price. What is the next step? Should you write something up and shake hands? The smart answer is NO. Even if the sale is with family or friends, it always make sense to use a 3rd party to close your transaction.
What is a Full or Partial Offer?
With Seller Financing, you do not have to wait years or decades to cash out. Your Note is valuable and there are numerous buyers out there willing to give you cash today, either through a full buyout or a partial offer.
BEST PRACTICE TIPS
Property Inspection
On an annual basis, conduct or hire someone to perform a visual exterior inspection of the property. This is especially important if you live remotely from the property.
The maintenance and upkeep of the property can affect future sale price of your Note.
Protect Documents
After closing, put your closing document in a fire-proof safe or in a bank safe deposit box.
These original documents, especially the note, will be needed to sell the note.
Running amortization
When you receive your monthly payment, update the amortization, clearly showing the break out between principle and interest. This distinction is important for year end report for both you and your borrower.
Many financial applications can manage your amortization very easily. Other methods are using a spreadsheet or a manual ledger.
MARKET NEWS * (07/03/25)
Mortgage Rate Update
The average 30-year fixed-rate mortgage decreased for the fifth consecutive week. This is the largest weekly decline since early March. Declining mortgage rates are encouraging and, while overall affordability challenges remain, more sellers are entering the market giving prospective buyers an advantage.
* Source – Freddie Mac
We hope you have enjoyed this months newsletter and found some interesting items to help you and your investment in Notes!
Our goal is to combine some insight, helpful tips and market information in an easy to read monthly newsletter. Through our years working with Note owners, we have found that most Note owners do not have a real source of knowledge or updates about managing their Note after closing. If there are topics you would like us to cover, click on the email link below.
THE PEAK-NOTES TEAM
John Knoblich
Karen Worthington
CONNECT WITH PEAK NOTES
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