ALL ABOUT NOTES
NEWSLETTER – July 2026
Welcome to July and our country’s 250th Birthday! We in the Note Industry should be very thankful to have the opportunity to create, buy and sell Seller Financed Notes (an opportunity not found in other countries!). Here is to the next 250 years!
With the July newsletter, we will be focusing on Setting up your Note. Over the past year, we have written about different elements of the initial creation of a seller financed note. With this newsletter, we have pulled together all the information that you would need when creating your next Note. Starting with the steps to setup, to qualifying a buyer, to negotiating terms, to selecting interest rates and finishing with closing! This newsletter should be your single source to use when creating a new Note!
Please read on to learn more about Setting up your Note!
MONTHLY FOCUS ITEMS
How to set up your Seller-Financed Note?
So, you decided to sell your home with Seller Financing, what are the steps I should follow to set up a successful Note? How do I select a buyer from all that are interested? How much can the buyer really afford? How much down should I require? What terms should I negotiate in the contract? Should I go alone or look for professionals to assist?
How to qualify a Buyer?
So, you have decided to use Seller Financing to sell your property. Next, you must find the right buyer. But how do you do this? You are not a bank and so many people are interested. How do you select the right borrower to ensure the success of your new Note?
Terms – The Foundation of Your Note
The foundation of a Note is the contracted terms . The foundational strength is not accidental—it is engineered. By negotiating the right down payment, interest rate, and loan term, investors can control risk, increase value, and create predictable income. Learn how to set up these key components of your Note to ensure future success!
How to select your Note’s Interest Rate?
An important element of any Note is the interest rate…so what interest rate should you select for your new Note? Should I pick a rate to match current bank rates? Since you are selling to a friend, should you give them a discount? What is the highest interest rate you can charge? With Seller Financed Notes, setting the interest rate correctly on day 1 is key to ensuring the success of your investment!
How to make your Closing successful?
So, you have negotiated your first Note deal….Congrats! What do you do now? What documents are needed to close the deal? What other steps are required to ensure you are compliant with regulatory agencies? The key to getting through a successful closing is using season professionals to help along the journey to financial success!
MORTGAGE RATE UPDATE * (07/16/26)
Mortgage Rates Average 6.55%
The 30-year fixed-rate mortgage averaged 6.55% this week. Purchase application demand has weakened recently, but housing affordability is more favorable and housing inventory continues to rise, thus the backdrop for prospective homebuyers is modestly improving.
- The 30-year fixed-rate mortgage averaged 6.55% as of July 16, 2026, up from last week when it averaged 6.49%. A year ago at this time, the 30-year FRM averaged 6.75%.
- The 15-year fixed-rate mortgage averaged 5.93%, up from last week when it averaged 5.82%. A year ago at this time, the 15-year FRM averaged 5.92%.
* Source -FREDDIE MAC
Our goal with the monthly newsletter is to combine some unique insight, helpful tips and market information in an easy-to-read format to help you with managing your Note investment. We have been working with Note investors for years and hope that this insight is helpful and on point!
We hope you have enjoyed the July 2026 newsletter and gained a great understanding of Setting up your Note!
THE PEAK-NOTES TEAM
John Knoblich
Karen Worthington
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