What it means to sell a note
Selling a note means transferring some or all of your right to receive future payments. Homedough helps note holders explore full or partial sale options and connect with potential buyers and funding partners — we operate as a brokerage, not a guaranteed single buyer for every note. Whether a buyer purchases depends on their underwriting.
Full sale vs. partial sale
A full sale transfers the entire remaining balance. A partial sale sells a set number of payments or a portion of the balance while you keep the rest. A partial sale can preserve some future income while freeing cash now — a useful middle ground when you want liquidity without giving up the whole asset.
- •Full sale — transfer the entire remaining balance for a lump sum
- •Partial sale — sell a set number of payments, keep the rest
- •Front-end partials — sell the next payments due, keep later ones
- •Each structure has different cash, tax, and risk trade-offs
How a note's value is estimated
Buyers look at remaining balance, interest rate, term, the payer's payment history, property value, and lien position (first vs. second). A lower rate, weaker payer, or weaker collateral generally means a larger discount to face value. Any estimate is an evaluation — not a guaranteed offer or a commitment.
What affects the offer
Payment consistency, payer credit, loan-to-value, seasoning, and lien position all matter. Initial evaluations are free and carry no obligation. Any applicable brokerage fee or service terms are disclosed before you decide to proceed — no blanket 'no fees' promise applies across every structure.
Choosing what fits you
Do you want cash now or income later? Are you comfortable selling the whole note, or keeping some payments? We help you map the options; the final agreement and closing happen only when you decide to move forward.
Frequently Asked Questions
Will Homedough buy every note?
Not necessarily. We connect note holders with potential buyers and funding partners; whether a buyer purchases depends on their underwriting of the note, payer, and property.
Is the evaluation free?
Yes — the initial evaluation is free and carries no obligation. Any applicable brokerage or transaction costs are explained before you proceed.
Can I sell just part of my note?
Often, yes. Partial sales are common when you want cash now while keeping future payments. Available structures depend on the note and the buyer.