ALL ABOUT NOTES
NEWSLETTER – MARCH 2026
Welcome to March and hopefully spring is right around the corner!
With the March newsletter, we will be focusing on Selling Your Note. We will provide steps and insight into the entire process from requesting offers all the way to getting money in the bank. As a bonus, we have added an article discussing how your Note is valued, providing great insight into how buyers price out your offers.
Please read on to learn more about Selling Your Note!
MONTHLY FOCUS ITEMS
How do I sell my Note? (part 1 of 2-Preparation to Purchase Agreement)
So, you have enjoyed the monthly payments from your Note for years, but now you are looking to make a bigger investment and redeploy your capital. How do you go about getting an offer for your Note? What is a good price? What are the steps and how should I prepare? …read more
How do I sell my Note? (part 2 of 2-Purchase Agreement to Cash in the Bank)
So, you have finished the offer process and decided on a Buyer. What are the next steps and how long do you have to wait until you get paid? What should you do to speed up the process and make the closing as smooth as possible? …read more
Understanding the Value of a Seller-Financed Note
If you’ve created a seller-financed note, you’ve essentially become the bank. But unlike banks, most individual sellers aren’t familiar with how notes are valued when it comes time to sell them. Why does one note sell for close to its balance while another receives a significant discount? The answer comes down to a handful of important factors that determine the risk and value of the loan. …read more
BEST PRACTICE TIPS
Initial Seasoning Required
Most Note buyers will require the Borrower to establish at least a 3 to 6 month payment history before making an offer.
Most borrower issues are discovered in the 1st year of the note so initial seasoning is a must.
If you are interested in selling your note and want the best price, wait 6 months before requesting offers.
Timely Payments with Unbroken Timeline
All buyers want to know that the borrower will consistently pay within the grace period and pay every month.
If your borrower has been consistent for the last 12 months, your note will receive higher offers.
Whenever the borrower is not on-time, the clock will reset and will need to reestablish the payment history.
Some buyers will buy delinquent Notes, but the level of discount will be severe.
Proof of Payments
Payment history is solid proof that your borrower has been paying according to terms. This proof is normally copies of checks, bank statements, reports from your servicer or cash receipts.
When you receive monthly payments, immediately put them into the bank and preferably in a separate account from your personal banking.
Some Buyers will request 3, 6 or even 12 months of on time payments.
Be ready with your pay history before starting the offer process.
MARKET NEWS * (03/12/26)
Mortgage Rates Inch Higher as Housing Activity Picks Up
The 30-year fixed-rate mortgage returned to last month’s level of 6.11%. Despite the modest uptick, buyers are responding to rates in this range, with existing-home sales increasing 1.7% in February. Purchase applications also increased this week, a welcome sign as buyers enter spring homebuying season with rates down more than half a percentage point compared to the same time last year.
- The 30-year fixed-rate mortgage averaged 6.11% as of March 12, 2026, up from last week when it averaged 6.00%. A year ago at this time, the 30-year FRM averaged 6.65%.
- The 15-year fixed-rate mortgage averaged 5.50%, up from last week when it averaged 5.43%. A year ago at this time, the 15-year FRM averaged 5.80%.
* 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 March 2026 newsletter and have gained a much greater understanding about Selling Your Note!
THE PEAK-NOTES TEAM
John Knoblich
Karen Worthington
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