ALL ABOUT NOTES
NEWSLETTER – June 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 setting up your note, maintaining your note value and selling your Note.
Please read on to learn more about maximizing your investment in Notes!
MONTHLY FOCUS ITEMS
Avoid these Three Seller Financing Mistakes
So, you have decided to use Seller Financing to sell your property. Now is the time to think about how to set up the terms the Note to maximize future value. Find out the 3 biggest mistakes to avoid to maximize your future investment value.
Payment Histories Increase Note Values
Receiving monthly payments are the “fruit” of the Seller Financing effort. Many sellers are excited to receive and will immediately start using the cash. However, there are a few key steps that you should complete with each payment to help maximize the future value of your Note when you decide to sell.
What are the steps in selling my Note?
Want freedom from collecting payments for the next 10, 20, or even 30 years? Prefer a lump sum of cash today? If you sold property with seller financing chances are you’ve wondered about selling the real estate note. Here’s how to sell a mortgage note, trust deed, or contract in 7 easy steps.
BEST PRACTICE TIPS
Check Insurance
Contact the borrower for a copy of the new policy or reach directly to the insurance agent for proof.
Ensure you are listed on the declaration page as lien holder
Estate Planning
Your Note is an asset and should be included in your estate plans.
Consider if your heirs have enough knowledge and ability to manage a Note. A 3rd party servicer may help the transition.
Tracking payment timeliness
It is also important to track the timeliness of payments. Use a ledger or spreadsheet to track each month.
Keeping track will give insight to the borrowers willingness or ability to pay. It reveals trends and gives insight when you need to reach out to the borrower.
MARKET NEWS * (06/05/25)
Mortgage Rate Update
The average mortgage rate decreased this week, which is welcome news to potential homebuyers who also are seeing inventory improve and house price growth slow.
* 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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