Once upon a time, seller financed real estate notes, mortgage notes and trust deeds (deed of trust) were considered some of the safest, lowest risk, most secure income producing assets you could get your hands on. And until very recently, mortgage backed securities were a Wall Street mainstay; safe and secure.

Everything has changed. Now seller financed real estate notes and mortgage notes are perceived as risky by many note holders because the combination of the subprime mortgage crisis, a stagnant real estate market in most states, plummeting property values and rising unemployment are working together to make their future payments much less certain. People get nervous when the prospect of foreclosure goes up or they think they can’t sell mortgage note payments any longer - and rightfully so.

And that’s not all. To add insult to injury, none of the major real estate note investors who used to buy private mortgages and package them into mortgage backed securities for sale to Wall Street will touch them anymore. With the largest loan servicing companies like Countrywide, Fannie Mae, Freddie Mac and IndyMac all in serious financial trouble, holding a private mortgage note is suddenly viewed as a much riskier proposition. But it doesn’t have to be that way.

Is There Any GOOD NEWS? YES! Seller financing always has been and STILL IS an excellent way to generate qualified buyer interest and sell a home or property quickly - ESPECIALLY in slow markets or now that mortgage lenders have tightened their lending requirements and made it more difficult or impossible for people to qualify.

By following some simple, common sense guidelines, people can sell their home or other real estate properties with owner financing, often for full asking price and rest assured that they can sell real estate note payments or the entire note and they won’t get “stuck” holding a private mortgage note or deed of trust they don’t want.

This is where private real estate note investors and private mortgage investors like TriMark Capital Funding, Inc. can help. We buy owner financed real estate notes, mortgage notes, trust deeds and land contracts in all 50 states. We flexible, so we can buy all or just a portion of your future note payments, we pay all closing costs and we can normally close and fund within about 10 business days.

Is There Any More Good News? YES! TCF is owned by Private Real Estate Note Investors & Private Mortgage Investors. That means we buy & hold; we don’t package & sell to Wall Street so we’re STILL buying and STILL paying TOP DOLLAR for good quality private mortgages, trust deeds and real estate notes!

It’s a Good Time to Cash Out Real Estate Notes

Given the choice, it’s no wonder millions of Americans who are currently receiving payments from privately held real estate notes feel like the clock is ticking and have begun converting their notes into cash now, before the market declines further and especially before their payments stop or there is a problem that causes their note to lose even more value. If history has taught us anything, it’s that “he who hesitates loses his shirt”.

You can learn more about how to sell your property using seller financing or get a free quote if you’re ready to sell your real estate note or private mortgage by visiting our Real Estate Note Investors page.

Or is there a difference?

Mortgages and deeds of trust are both financial instruments that a lender uses to protect their financial interests when they make a loan, usually on real estate. When you borrow money and sign a promissory note, the money that a mortgage lender loans to you is now automatically at risk, and because of that, they need some kind of security that you will pay them the specified amount of money back as scheduled. Mortgages and trust deeds will help them to make certain of it.

These types of loans have 2 parts; 1.) the promise to pay, and 2.) the teeth to enforce that promise if it is ever broken.

The Promise To Pay

You will sign a promissory note, which simply stated, is a formalized IOU. It states the amount of money you owe and the terms of repayment, such as how many months or years repayment will take, when and where the payments are to be made, the interest rate that is to be charged and how the interest is to be calculated on the unpaid balance. This is usually either simple interest or calculated with some sort of amortization schedule.

The Teeth

You will also sign a mortgage or deed of trust that will detail specifically how the lender will take the property back in the evet you stop making the payments as promised in the promissory note.

The laws of your state will dictate which instrument you will use. Some states will require this to be a mortgage while others will require a deed of trust. The primary difference is in how the property is foreclosed in the event that you default on the loan.

One of the only real differences between a mortgage and a deed of trust is in the number of parties involved in the entire foreclosure process. With the deed of trust, there are actually three different parties; the lender, the borrower and the trustee. In this case the trustee will hold the title instead of the lender or the borrower. This protects both parties and the title will only be given back to the borrower after they have paid the balance of the loan.

The trustee can be a bank, escrow company or title company. When the loan has been paid off then the trustee will order a release deed and the deed will revert back into the hands of the borrower. This release deed or deed of reconveyance should be recorded at the county recorder’s office right away. There it will be copied and public notice will be made that the entire the loan has been paid off.

Generally speaking, a deed of trust foreclosure usually goes much faster than a mortgage foreclosure simply because of the way they have to travel through the courts.

If you sold a property and used seller financing, you took back a promissory note and either a mortgage, deed of trust or land contract. Where TriMark Capital Funding, Inc. is concerned, we are able to purchase mortgage notes, deeds of trust and land contracts equally.

As people age, the life insurance policies they needed to protect their families and businesses when they were younger often become unnecessary, obsolete or even financially burdensome. Until recently, when this happened the only options available to policy owners were to either surrender the policy to the issuing insurance company for the policy’s “cash surrender value” (if it had any) or more often, simple allow the policy to lapse and forfeit all of the benefits that had been paid for.

Both options worked out GREAT for the insurance companies who gladly accepted the policy premiums for decades but then never had to pay the death benefits, but no so great for the policy owners themselves who received little or nothing for the policies they so diligently paid into for years, often even decades.

That is until now. This is where life settlements can make all the difference.

A life insurance settlement is created when the life insurance policy is sold on the secondary market to the highest bidder. This is possible because very often the “fair market value” is far in excess of the issuing company’s opinion of the “surrender value”. The new purchaser of the policy pays the policy owner a lump sum of cash for the right to become the new beneficiary on the policy.

The old policy owner is then free of the policy and doesn’t have to worry about paying premiums anymore. They are also free to use the money they received for anything they choose; vacations, bills, travel, quality time with family and friends … anything they want.
The purchaser continues making the premium payments, life goes on, and when the old policy owner finally passes, the purchaser receives the death benefit.

Is this option for everyone? No. But if you are in a situation where you have an unneeded, unwanted or unaffordable life insurance policy and you could use a lump sum of spendable cash instead, what have you got to lose by checking it out?

We offer FREE, non-binding appraisals so you can find out what your policy is really worth in the secondary market, and we also have a FREE informational video on our website that will explain the process and answer your questions.

Absolutely! Consider selling your property using seller financed real estate notes.

Think about it. A large part of the problem with real estate not moving quickly right now is a lack of buyers who can ultimately qualify for financing via conventional means i.e. a mortgage company or bank. Obviously there are still plenty of good homes available, in fact a lot of GREAT homes thanks to improvements and upgrades made by motivated sellers in hopes of ’standing out in the crowd’. Obviously there are lots of people who are interested in buying good homes at good prices - it’s not like everyone just stopped needing a home. And since real estate values have dropped nationwide, it’s an excellent time to buy. So what exactly is the holdup?

Financing. Or more accurately, the LACK of financing.

Because most mortgage lenders are still in shock from the sub-prime meltdown and most news media are feeding into those fears, lending requirements have been tightened and the result is that many otherwise qualified buyers can’t get financed. Perhaps they have less than stellar credit, or the new higher interest rates push their debt-to-income ratio out of whack. Or maybe they’ve relocated or changed jobs so their employment history sends up a red flag. There could be many reasons but the bottom line is that somewhere during the underwriting process their application gets shot down and you can’t sell them your house.

Enter seller financed real estate notes.

Using nothing more than your own common sense underwriting guidelines, a title company and some legal forms, you could offer seller financing for your home and a MOB of motivated buyers will flock to your door. You give them your list of qualifications and then you choose the best one from the pool of buyers who meet or exceed your qualifications.

So what exactly are “Common Sense Underwriting Guidelines”?

• Owner Occupied is ALWAYS the safest bet. If the house is going to be the primary residence for someone, they will fight tooth and nail to hang on to it when the going gets rough. This translates into a much lower default risk for you, which is obviously a good thing. If you’re selling your house to someone who doesn’t plan to live there but instead intends to rent it out, there is a much, much greater likelihood that they will ultimately default on the note. If they can’t find a renter, they just stop making their payments to you - after all, they STILL HAVE A PLACE TO LIVE. If that happens, they will walk away, leaving you with the note and the house in whatever condition the last renter happened to leave it in. To combat this, insist in writing that the buyer will occupy the house and not sublet it. If you must sell to an investor, insist on a 20% to 25% cash down payment minimum. You should also be aware that if you plan to sell real estate note payments to TriMark Capital Funding, Inc. or any other note buyer for that matter, you’ll get less for it if the house is non-owner occupied.

• Good Credit. Most people automatically assume someone has bad credit if they can’t qualify for a mortgage. This isn’t always the case. In fact, particularly in the current market, this isn’t the case a lot of the time. And what you’re looking for here isn’t JUST a particular score. You’re looking for a demonstrated propensity for paying one’s bills on time over a period of time. Anything above a 650 FICO mid score is usually fine (get a tri-merged credit report and average the 3 scores - that’s the mid-score, and they can order them here for FREE). Be sure to peruse the report for both spouses and look for things that stand out - charged off credit cards or other debts, collections, foreclosures, judgments, IRS tax liens, bankruptcy; that sort of thing.

• Good Down Payment. If cash is king then buyer equity is the queen. And if there is one thing that motivates people to continue making their house payment on time, even when the going gets tough, it’s the prospect of losing tens of thousands of dollars of their own money along with the place where they live. That is a BIG motivator. Insist on a minimum of 10% cash down, but bear in mind that whoever offers the largest cash down payment above 10% should certainly get preferential consideration. A lot of people nowadays are selling their homes they bought in the last 5 to 10 years and cashing out some extraordinary equity so it’s not uncommon for buyers to have a lot of cash for a down payment on a new home.

• Appropriate Interest Rate. This is a touchy subject for a lot of people because they think they need to offer 6% in order to be attractive. Don’t do that. There are risks and hassles and conveniences associated with seller financed real estate notes and the interest rate you charge needs to reflect that. As a general guideline we recommend nothing below 9.5%. If they balk, move down to the next one on your list. Remember, you’re selling to people who for whatever reason can not get financing through a bank or they would have already. You’re incurring the risks of a lender and offering the convenience of selling them a house without having to qualify for a bank loan. Risk and convenience both have price tags.

• Have an Exit Strategy. Creating a note with a 15 or 30 year term is not recommended, because if for some reason they stay in the house that long and for whatever reason you can’t sell the note, you’ll be servicing it for three decades! Instead, you’ll do better with a fixed-rate interest-only note with a 5 to 7 year balloon. This means you’ll be earning a nice cash flow for 5 to 7 years, plus there is every reason to believe that the current mortgage and real estate crisis will have resolved itself by then so the buyer should be able to either sell or refinance without any trouble. Plus 5 to 7 years is plenty of time for anyone with minor to moderate credit blemishes to clean up their credit so they can refinance later on. And the biggest reason is that if you decide to sell real estate note payments or the entire real estate note at some point, you will take MUCH LESS of a discount with a shorter term of 5 to 7 years as opposed to 15 or 30 years.

Our website will provide you with much more information about your options to sell real estate note payments.

While seller financing is a different animal than a conventional “bank” type loan, it is important to understand that we are not insulated from the current storm. Keep in mind that mortgage loans, no matter what type, are the byproduct of the purchase or refinance of real property. Whether the loan is made by a bank or an individual, the final result is a mortgage loan. As we have all seen, mortgage loans rarely stay in one place very long.

Right when you get comfortable making your mortgage payment to one institution you find out that your loan is on the move. You may go through two or three different “servicers” before your loan reaches its final destination. This may be a bit unnerving, but the buying and selling of mortgage loans is an important part of an economy with a lot of moving parts. When one of those parts breaks or malfunctions, the whole thing can come to a grinding halt. This is not to suggest that the problems in the mortgage market are going to shut down an otherwise solid economy but we should certainly expect a bumpy ride.

Many mortgage loans, whether institutional or private, end up as part of a “security”. For example, a bond being sold on Wall Street may well be comprised of a large bundle of residential mortgage loans, hence the term “mortgage backed bond”. These bonds are bought and sold (traded) as part of the complex machinations of what we call the “market”. The market includes the trading of equities, commodities, currencies, etc. Our concern here is the bond market and, specifically, the market for mortgage backed bonds.

To make a long story short, the market for mortgage backed bonds is currently almost non-existent. The widespread defaults in the sub-prime loan pools started a wave of panic in the mortgage markets that has made “mortgage” a dirty word on Wall Street. So how does a storm on Wall Street cause problems for a note broker on Main Street? The simple answer is a theory taught in economics 101….supply and demand.

When Wall Street loses its appetite for mortgages the whole system becomes “clogged”. Mortgages that were being sold or securitized into bonds are now “stuck” in a system that is backing up like a clogged drain. The number of willing buyers for mortgage loans is decreasing [dramatically] while the number of [performing AND non-performing] loans on the market is increasing [dramatically]. When our drain is clogged and begins to overflow our natural reaction is to bail water. The mortgage sellers are doing the same by dropping their prices in an effort to prevent the overflow.

Eventually, the clog will clear up on its own as Wall Street regains its appetite and recovers from this case of sub-prime indigestion.

What do we do in the meantime? Our only choice is to adjust to the market fluctuations and ride out the storm. To make it through to the calm waters we [need to better educate potential note sellers]. Sellers have tunnel vision and often ignore what is going on around them. All we can do is provide an honest assessment of their note or their property [based on current market supply, demand and valuation] and move on to the next one. I have already been laughed at, cursed and hung up on by people who have no idea what is happening in the broader market and really don’t care [to hear about it or how it affects the selling price of their note]. They want what they want for their loan and think they will get it if they keep calling other [mortgage note buyers].

I think it is clear that high LTV’s are to be avoided as that is one of the primary reasons we are in this mess. Buying a home is a commitment and part of that commitment is a down payment. A down payment is money that has either been saved by the buyer for this purpose or it may be a gift from a parent or friend to help fulfill the dream of home ownership.” ** [Blog author comments have been added in brackets].

Let’s consider some short term guidelines for the current seller financed real estate market. If you are considering carrying back a seller financed mortgage in order to sell your property, these general guidelines will help you create a note that will require the least amount of discount when you sell it:

• Avoid high LTV – get a minimum of 10% CASH down payment. You can reduce LTV further by carrying back a 2nd mortgage for an additional 10%.

• Understand LTV – We calculate Loan to Value by using the most recent selling price of the property – NOT THE APPRAISED VALUE.

• Buyer Credit Is IMPORTANT – get a tri-merged credit report for buyer and spouse so you have a good idea of their tendency to pay their bills on time. FICO mid-score should be 625 or higher. Anything below 600 in this market will be difficult, or impossible, to sell and will require a larger discount.

• Interest Rate Is KEY – We currently recommend a MINIMUM of 9.5% to offset the risks of seller financing in this market and absorb the bulk of the discount when you sell your note. Lower interest rates will require a larger discount to make the note attractive to investors and that translates into less money in your pocket.

• Financing Term Is Important – We currently recommend interest-only with a 5 to 7 year balloon. This will provide sufficient time for the buyer to repair their credit if necessary and should be sufficient to weather the current mortgage crisis and put them in position to refinance out of the loan. Exit strategy is important and giving a 30 year term will require a larger discount.

• Pay Attention To Underlying Obligations – If you have an underlying mortgage that you intend to continue making payments on (a wraparound mortgage or all-inclusive wrap), be sure that the underlying balance is less than 75% of the current value (selling price) of the property or the note may be difficult or impossible to sell. This can be mitigated by getting more cash down payment from the buyer and doing a principle reduction on the underlying mortgage.

The bottom line is that the mortgage industry and the seller finance industry are not dead.

For more information about selling your owner-financed real estate note or mortgage note or to get a free, no-obligation quote click here: Sell Real Estate Note.

** Excerpt Noteworthy Newsletter 12/2007 www.noteworthyusa.com. Travis Creed of Avalar LLC 800-361-7992 Fax 501-907-1595.

“A lot of people are nervous about what they are reading in the newspaper and hearing on TV. But how can you blame them? The media is bombarding people with reports about the housing decline and the sub-prime mortgage mess.

However, Chief Economist for the National Mortgage Bankers Association, Doug Duncan decided last week to set the record straight. In a private conversation, Doug said that people have nothing to worry about in Texas and other places as well. Some of his defenses were:

• The foreclosure problem in this country is really a story about 7 states
• The biggest foreclosure problem is in Michigan, Ohio and Indiana.
• These are predominantly manufacturing states
• Since 2001, Michigan has lost 300,000+ jobs
• The other 4 states are California, Florida, Arizona and Nevada. In each of these states there has been significant overbuilding. 25% of the foreclosures in these states are on properties that are held by investors who were speculating
• California & Florida have been hit very hard
• 35% of the homes in the USA do not have a mortgage
• 98% of the mortgages in the USA are performing
• Only 9% of all mortgages are sub-prime
• 75% of all sub-prime mortgages are performing
• In the other 43 states, foreclosures have fallen in 2007 from 2006

Right now, our local inventory levels are half the national average and well-priced homes are selling fast. You cannot expect this type of factual information to be distributed by the news media channels. We have to be telling folks this story.” **

For more information about selling your owner-financed real estate note or mortgage note or to get a free, no-obligation quote click here: Sell Real Estate Note.

** Excerpt Noteworthy Newsletter 12/2007

Historically, personal injury, wrongful death and product liability lawsuits were settled by the payment of a single lump sum cash payment in exchange for the release of the claim in a lawsuit. Under this type of arrangement, it was the responsibility of the individual and their family to manage the large lump sum of cash and invest it wisely so they could use it to provide for the victim’s medical and income needs over their entire lifetime. Structured settlements laws have been passed recently that help reduce the difficulties faced in these types of situations and to help provide the claimant and their families with long-term financial security.

Structured settlement payment agreements are fairly unique because they are written to focus on the beneficiary’s financial needs and provide payments for a certain period of time or throughout the injured persons lifetime. Formally recognized by the U.S. Congress in early 1980’s, structured settlements are voluntary compensation agreements (albeit they are usually forced into existence by virtue of a lawsuit) between an injured person or persons and a defendant.

With a structured settlement, the beneficiary receives a series of periodic payments instead of a single cash lump sum. Many settlement agreements are entered into privately (i.e. either prior to, or during, a trial) while others, often involving minors or persons deemed mentally unfit, may be created by a court order.

Structured settlements are a creative solution because the payment amounts and the future annuity timetable are completely up to the parties negotiating the structured agreement. Rather than receiving a single lump sum, victims can receive a customized stream of tax free annuity payments, individually tailored to meet their present and future cash needs. Using structured settlements, annuity payments may be in equal amounts at regular intervals, or they may be paid in periodic lump sums. Larger intermittent payments are sometimes used to provide for anticipated future needs such as funding; a college education, medical equipment replacement (motorized wheelchairs), or planning for retirement. The possibilities for setting up structured settlements are limited only by the imagination. It is important to note however, once the parties have agreed to the structured settlement annuity amounts and timetable, it becomes a legally binding contract and the annuitant cannot make changes.

While this may seem like the best course of action at the time the settlement is reached, annuitants frequently discover that, over time, they encounter unanticipated cash needs. Opportunities avail themselves, needs and desires change, lifestyles change, and sometimes annuitants find themselves in a situation where a larger lump sum of cash would be more beneficial than the smaller payments.

This is where a buyer of structured settlements like TriMark Capital Funding, Inc. can help. The annuitant can sell some, or virtually any combination or portion, of their annuity payments and get a lump sum of cash for structured settlement proceeds. Because of the decaying effect of the time value of money, it is not normally prudent to sell all of their remaining annuity payments at once.

Frequently however, structured settlement payment recipients discover that they have a need to access a larger lump sum of cash than their periodic payments provide. This is where TriMark Capital Funding, Inc. can help. We buy structured settlement and annuity payments nationwide and we pay guaranteed top dollar for them too. And we’re flexible - we can structure our purchase to fit your specific needs. You can sell all, just a portion, or almost any combination of your payments to generate the amount of cash you need.

If you need extra money but like the security of receiving a monthly payment, we can arrange to purchase only a portion of each of your monthly payments. This way you get the cash you need AND keep some monthly income as well. Our professional structured settlement buyers are available to discuss your needs and customize a purchase offer to get you the cash you need FAST.

After all, it’s YOUR money … shouldn’t you be able to use it when and where you need it?

If you’re considering the idea of selling some or all of your structured settlement payments for cash, visit us here for your FREE, no-obligation quote:

Get Cash For Structured Settlement Payments!

The result was predictable. Practically anyone that wanted a home mortgage or home equity loan could find a bank or financial institution somewhere that would give them one.

That was still somewhat the case right up until a few months ago when the sub-prime real estate and mortgage markets collapsed. Today, it is extremely difficult for sub prime borrowers to get financing to buy homes, and the sub-prime meltdown has had serious, lasting repercussions on the prime real estate and mortgage markets as well.

The ARM’s have started automatically resetting their interest rates, many people could no longer afford their new mortgage payments, defaults and foreclosures skyrocketed and everything changed, almost overnight. Gone are the days of the stated income mortgage loan (so-called “liar loans”). Common sense is making a remarkable comeback and lending institutions are once again making lending decisions based upon sound financial principles such as income verification, cash equity and down payments, and of all things - people’s actual ability to afford and repay their loans. Equity is important, interest rates are climbing, foreclosures are skyrocketing at an unprecedented rate, over 40,000 mortgage brokers have lost their jobs just between January and September of this year, and we still haven’t seen the worst of it yet. To protect themselves, banks and other mortgage lenders have tightened their lending requirements considerably and many have terminated their sub-prime lending programs altogether.

But here’s the rub: Millions of people are STILL going to need to sell their homes in the coming years and millions of people are STILL going to need to buy homes. Given the combination of tightened lending qualifications, a flood of new and recently foreclosed homes on the market and a brutal buyer’s market that is going to get much worse before it gets better, sellers have no choice but to compete for buyers. And what’s the easiest, most common sense way to stand out in the crowd and attract qualified buyers?

Simple. Just make it easier for someone to buy YOUR property than your neighbor’s property.

How? By offering seller financing.

The reasons for offering owner financing vary, but include:

• Seller wants to generate a pool of motivated, qualified buyers quickly
• Seller wants to defer taxes on gains
• Avoid excessive bank closing costs and fees
• Seller wants to close quickly
• Creating more flexible terms and payment schedules
• Working with weak buyer credit
• Sales between family members, or divorce agreements

Owner financing notes can vary, but always includes an agreed upon term, interest rate, payment amount, and payment date on which the buyer of the property must pay the seller. The conditions are formally written into a note, called a promissory note or installment note. Usually, the seller would have preferred to have received all of the cash upfront. Even if that wasn’t the case at the beginning, circumstances may have changed or new investment opportunities have appeared that cause the seller to need cash quickly.

There are investors, both institutions and private, who will buy these notes. They will generally discount the note (pay the seller an amount below the note’s current balance) to offset their risk and meet certain yield requirements. The amount of discount varies across notes, but the two biggest factors in determining the discount (besides the type of property) are the amount of equity in the property (cash down payment plus principal payments received) and the credit of the buyer. The more equity and the better the buyer credit, the more that the note is worth.

For creating a real estate note, here are some tips we give to our clients so they can minimize the discount they’ll have to take and maximize the amount of money they would receive if they later need to sell it and how to protect themselves if they don’t:

• Require a good down payment in cash - Get a minimum of 10% cash down payment (more is preferable) for a house and 20-30% for commercial properties, land and mobile homes with land. These numbers cannot always be reached, but try to get as much money up front as you can without financially crippling the buyer. Also, if you accept a 2nd mortgage in lieu of a cash down payment, you will not be able to sell the 1st for many years.
• Insist on a 1st lien position - Don’t carry back a note in any lien position other than a clear 1st position
• Sell to a buyer with decent credit - A FICO mid-score (credit score) of at least 650 is preferable, though 625 is usually adequate. You’ll often still be able to sell the note even if the buyer’s credit is below 600, but be prepared to take a much larger discount. Get a tri-merged credit report for your buyer and their spouse.
• Interest rate of at least 9.5% - More is better and keep in mind that if you accept a lower interest rate, you’ll also have to accept a higher discount when it comes time to sell your note.
• Keep the term of the note as short as possible - A 5-7 year balloon is usually best. This provides enough time for the buyer to re-establish their credit if necessary, establish a strong, consistent payment history and still gives you an exit strategy so you’re not carrying the note for 30 years. A shorter term will also help to minimize the discount if you decide to sell the note.

Other items that we consider to be positive when deciding whether to buy a note and how much to pay include:

• Property is owner-occupied (for houses and mobile homes)
• Access to power, water, and roads (for land)
• The property and surrounding area being in good condition
• Regarding commercial notes: multi-unit apartments or general purpose office buildings are easier to place than specialty businesses like restaurants, gas stations and auto repair facilities. A note on a property that was previously a gas station or anything that could have adverse environmental consequences will be much harder (or impossible) to sell due to the potential environmental contamination liability.

You’ll also want to be sure that the sales price is not above the market value or the current appraised value and that the title to the property is clear by getting title insurance.

You can visit our Real Estate Note Buyer page for more information on selling a real estate note, mortgage note or business note.

But that’s not all we do. In fact, not by a long shot.

TCF also pays cash for structured settlement annuities, award annuities like casino jackpots and lottery winnings, life insurance settlements (called a life settlement or senior settlement) and business notes. In addition, we offer lawsuit funding, invoice factoring and an array of flexible personal loans, commercial loans, small business loans and other small business financing alternatives.

This blog and our accompanying websites are for, and about, the cash flow business.

What is the cash flow business? Well, it’s really an umbrella term that refers to a lot of different industries, but in a nutshell, what we do is we help individuals and businesses to improve and better manage their cash flow by leveraging money that is tied up in future periodic payments.

You can learn more about what we do and, more specifically, how we can help you by visiting our website , calling us toll-free at 1-877-WECANBUY, or emailing us with your questions.