How Long Does This Process Take?

As with anything, selling your mortgage note can be very fast, or very slow. It depends on how quickly we’re able to collect all the required information we need. In general, we can go from our first conversation to closing, with cash in your bank account, in about 21 business days. Below is an example timeline for each stage in the process to illustrate the steps and what happens with each:

Quote
- 1 – 2 Business Days
- After we’ve collected all of the information we need to value your note, we will respond with a comprehensive cash price for your note within 48 business hours.
Acceptance
- Seller Dependent – TBD
- If our options fulfill your needs, we proceed to the next step in the process.
Processing & Due Diligence
- Payor Interview and Credit Check – 2-3 Business Days
- We validate the details of the note or contract
- Property Appraisal – 3-10 Business Days
- Determine and validate property condition
- Title Check – 3 – 90 Business Days
- Check to ensure clear title on the property and clear up any issues
Closing
- 3 – 5 Business Days
- We are able to begin closing once we have completed all of the above steps, have all the required documents, and have verified clear title
Funding
- 1 – 2 business days
- Funding occurs via check or wire transfer. The process can vary depending on your specific banking institution

This timeline is meant to provide an example of the steps involved and the expected length of each. Each transaction is unique with its own special circumstances to consider. Thus, it’s not until we begin exploring your options that we are able to provide a more accurate of how long the process will take.

We’ll Help You Through The Process

We are nation-wide buyers … so reach out and let’s chat. Get started below.

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Your First Name *

Your Last Name *

Your Email Address *

Phone (Optional)

SMS Opt-in *

Yes, you may text me.

By signing up for text messages you agree to receive messages from Gardiner Capital Group, LLC at the number provided, including automated reminders and deal-specific communication. Message frequency varies. Msg & data rates may apply. Reply STOP to unsubscribe. View our Privacy Policy.

Are You Making or Receiving Payments *

Property Information

Property Address *

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City *

State *

Zip *

Note Information

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Property Sale Price *

Current Unpaid Balance *

How Many Payments Are Left *

Note Current? *

Down Payment *

Amount Financed *

Monthly Principal & Interest *

For accurate pricing, check for additional questions

Why are you looking to sell the note? *

Do You Need The Funds By A Specific Date? *

By When Would You Need The Funds? *

Successfully closing and funding a note transaction can take 30-45 business days. Please let us know by when you would require your funds (i.e. for another real estate transaction or closing). If you require funds sooner than this, this avenue might not be the best fit for your situation.

What type of property? *

Single Family House
Condo
Commercial
Land
Mobile Home
Business Note

What was the original sale price? *

Confirm the monthly P&I payment *

Current Interest Rate % *

Lien Position *

First Position
Second Position
Third or greater

How many payments have been made? *

Are taxes current? *

Yes
No
I don't know

Are payments current? *

Yes
No
I don't know

Any underlying mortgages or liens on the property? *

Yes
No
I don't know

Approximately how much is owed on the property in addition to your note? *

Collateral File Upload

Click or drag files to this area to upload. You can upload up to 15 files.

For faster, more accurate quoting, please upload a copy of the note, mortgage, and closing statement for the property.

Thank you for your inquiry, but Gardiner Capital Group is only able to purchase notes where the seller is receiving payments from the sale of the property (not making them to another lender).

Unlock The Cash Stuck In Your Note Below!

We buy real estate notes, mortgages, and other types of notes fast. Put your address and email below and answer 5 easy questions on the next page to get a cash offer in 24 hours!

Layout

Your First Name *

Your Last Name *

Your Email Address *

Phone (Optional)

SMS Opt-in *

Yes, you may text me.

Are You Making or Receiving Payments *

Property Information

Property Address *

Layout

City *

State *

Zip *

Note Information

Layout

Property Sale Price *

Current Unpaid Balance *

How Many Payments Are Left *

Note Current? *

Down Payment *

Amount Financed *

Monthly Principal & Interest *

For accurate pricing, check for additional questions

Why are you looking to sell the note? *

Do You Need The Funds By A Specific Date? *

By When Would You Need The Funds? *

What type of property? *

Single Family House
Condo
Commercial
Land
Mobile Home
Business Note

What was the original sale price? *

Confirm the monthly P&I payment *

Current Interest Rate % *

Lien Position *

First Position
Second Position
Third or greater

How many payments have been made? *

Are taxes current? *

Yes
No
I don't know

Are payments current? *

Yes
No
I don't know

Any underlying mortgages or liens on the property? *

Yes
No
I don't know

Approximately how much is owed on the property in addition to your note? *

Collateral File Upload

Click or drag files to this area to upload. You can upload up to 15 files.

For faster, more accurate quoting, please upload a copy of the note, mortgage, and closing statement for the property.

Thank you for your inquiry, but Gardiner Capital Group is only able to purchase notes where the seller is receiving payments from the sale of the property (not making them to another lender).

“…private mortgage notes can be sold and thus converted into cash. The amount they sell for is based on the principal balance, the number of payments that have been made (referred to as “seasoning”), the number of remaining payments, the home’s (or other asset) appraised value and the borrower’s creditworthiness.

How Long Does This Process Take?

Quote

1 – 2 Business Days

After we’ve collected all of the information we need to value your note, we will respond with a comprehensive cash price for your note within 48 business hours.

Acceptance

Seller Dependent – TBD

If our options fulfill your needs, we proceed to the next step in the process.

Processing & Due Diligence

Payor Interview and Credit Check – 2-3 Business Days

We validate the details of the note or contract

Property Appraisal – 3-10 Business Days

Determine and validate property condition

Title Check – 3 – 90 Business Days

Check to ensure clear title on the property and clear up any issues

Closing

3 – 5 Business Days

We are able to begin closing once we have completed all of the above steps, have all the required documents, and have verified clear title

Funding

1 – 2 business days

Funding occurs via check or wire transfer. The process can vary depending on your specific banking institution

We’ll Help You Through The Process

We are nation-wide buyers … so reach out and let’s chat. Get started below.

Thank you for your inquiry, but Gardiner Capital Group is only able to purchase notes where the seller is receiving payments from the sale of the property (not making them to another lender).

Unlock The Cash Stuck In Your Note Below!

Thank you for your inquiry, but Gardiner Capital Group is only able to purchase notes where the seller is receiving payments from the sale of the property (not making them to another lender).

FREE Note Holder's Handbook

The more you know about seller financed notes, the more value you can create (and maintain) with yours!

Submit your name and email address below to download a FREE copy of our NOTE HOLDER'S HANDBOOK.

This resource is full of useful information to make you a more informed note holder.

Check your email inbox (and spam). We've sent you a link to download your copy instantly.

How Long Does This Process Take?

Quote

1 – 2 Business Days

After we’ve collected all of the information we need to value your note, we will respond with a comprehensive cash price for your note within 48 business hours.

Acceptance

Seller Dependent – TBD

If our options fulfill your needs, we proceed to the next step in the process.

Processing & Due Diligence

Payor Interview and Credit Check – 2-3 Business Days

We validate the details of the note or contract

Property Appraisal – 3-10 Business Days

Determine and validate property condition

Title Check – 3 – 90 Business Days

Check to ensure clear title on the property and clear up any issues

Closing

3 – 5 Business Days

We are able to begin closing once we have completed all of the above steps, have all the required documents, and have verified clear title

Funding

1 – 2 business days

Funding occurs via check or wire transfer. The process can vary depending on your specific banking institution

We’ll Help You Through The Process

We are nation-wide buyers … so reach out and let’s chat. Get started below.

Thank you for your inquiry, but Gardiner Capital Group is only able to purchase notes where the seller is receiving payments from the sale of the property (not making them to another lender).

Unlock The Cash Stuck In Your Note Below!

Thank you for your inquiry, but Gardiner Capital Group is only able to purchase notes where the seller is receiving payments from the sale of the property (not making them to another lender).

FREE Note Holder's Handbook

The more you know about seller financed notes, the more value you can create (and maintain) with yours!Submit your name and email address below to download a FREE copy of our NOTE HOLDER'S HANDBOOK.This resource is full of useful information to make you a more informed note holder.

Check your email inbox (and spam). We've sent you a link to download your copy instantly.

The more you know about seller financed notes, the more value you can create (and maintain) with yours!

Submit your name and email address below to download a FREE copy of our NOTE HOLDER'S HANDBOOK.

This resource is full of useful information to make you a more informed note holder.