We ONLY purchase first position (or wrap-around second position) owner or seller financed Real Estate secured Notes or Contracts on properties located in Arizona, Colorado, Idaho, Montana, New Mexico, Oregon, Utah, Washington, and Wyoming. The 9 states mentioned above are the geographical areas we know best and specialize in. The following is what we buy and this is our ONLY business. We DO NOT lend money.

We pay instant CASH for ANY type of Real Estate secured Note or Contract in FIRST LIEN position, or which completely WRAPS AROUND the first lien, (also known as an "All-Inclusive Trust Deed" or "Wrap-Around Mortgage"), which has a current MINIMUM of buyer’s equity* as stated below, payments are current, title is clear, buyer’s credit is good (or better), property is in good (or better) condition, and is secured by ANY of the following types of properties, subject to underwriting review:

  • REHABBED or FLIPPED Properties MUST have a MINIMUM of 6 to 12 months seasoning, (unless you, as the seller, occupied the subject property as your primary residence for at least one year prior to the sale)
  • Single Family Detached Homes (MUST be Owner/Buyer Occupied, MINIMUM of 10% equity*)
  • Single Family Detached Homes (NON-Owner/Buyer Occupied, MINIMUM of 15% equity*)
  • Mobile Homes WITH Land (MUST be Owner/Buyer Occupied, MINIMUM of 15% equity*)
  • Mobile Homes WITH Land (NON-Owner/Buyer Occupied, MINIMUM of 20% equity*)
  • Duplexes, Triplexes, and Fourplexes (MINIMUM of 15% equity*)
  • Apartment Complexes (MINIMUM of 20% equity*)
  • Hotels and Motels (MINIMUM of 20% equity*)
  • Farms and Ranches WITH Homes (MUST be Owner/Buyer Occupied, MINIMUM of 10% equity*)
  • Single Unit Commercial Properties (except bars or gas stations, MINIMUM of 20% equity*)
  • Multi Unit Commercial Properties (MINIMUM of 20% equity*)
  • Mixed Use (Residential and Commercial) Properties (MINIMUM of 20% equity*)
  • Commercial Land WITH Improvements (MUST have water, sewer, power, road, MINIMUM of 30% equity*)
  • Residential Building Lot WITH Improvements (MUST be 20 acres or less, MUST have water/well, sewer/septic, power, road, MINIMUM of 20% equity*)
  • Residential Building Lot WITHOUT Improvements (MUST be 20 acres or less, MINIMUM of 25% equity*)
  • Recreational Land WITH Improvements (MUST be 40 acres or less, MUST have water/well, sewer/septic, power, road, MINIMUM of 30% equity*)

*To determine the current equity in the property, add the total of ALL the loans/liens against the property, (if you have an All-Inclusive Trust Deed or Wrap-Around Mortgage, use just the remaining unpaid principal balance of that loan/lien), and divide that figure by the current market value, then subtract that figure from 100. Example: Total of ALL Loans/Liens = $82,648; Current Market Value = $104,500; 82,648 ÷ 104,500 = .79; 100 - 79 = 21. For this example, there is currently 21% equity in this property provided the current market value is accurate.

PLEASE NOTE: If your property has less equity than stated above, we may not be able to make you an offer to purchase your entire remaining unpaid principal balance, but if you would consider a partial sale or a split-partial sale, we may be able to purchase a specified number of payments or a portion of each payment and/or part of the balloon payment (if applicable), or any variation, depending upon the terms and conditions of your transaction, so you can get the maximum amount of CASH you need right NOW!

We DO NOT purchase ANY of these types of Real Estate Notes or Contracts, or Notes or Contracts secured by ANY of the following types of properties:

  • REHABBED or FLIPPED Properties with LESS than 6 months seasoning (see above)
  • Bank Pools or Bank Portfolios of Loans
  • Bars or Taverns
  • Buyers with a FAIR or POOR credit report or score (usually scores MUST be 600 or higher)
  • Buyers with 2 or more late payments in the past year (or 4 or more late payments in 2 years)
  • Churches
  • Commercial Land WITHOUT Improvements (of any size)
  • Condominiums
  • Contracts or Notes with NEGATIVE Amortization
  • Duplexes, Triplexes, or Fourplexes which were sold for LESS than $80,000
  • Farms, Ranches, or Agricultural Land WITHOUT Homes (or are NON-Owner/Buyer Occupied)
  • Gas Stations (or ANY other commercial property selling or storing diesel, gasoline, or oil)
  • Industrial Properties (with ANY type of toxic chemical)
  • Mobile Homes WITH Land which were sold for LESS than $35,000
  • Mobile Homes WITHOUT Land
  • Properties of any type which are in FAIR or POOR condition
  • Properties of any type which are VACANT (except Land ONLY Properties)
  • Properties of any type located in neighborhoods which are in FAIR or POOR condition
  • Properties sold to non-U.S. Citizens (or any person WITHOUT a Social Security Number)
  • Recreational Land WITHOUT Improvements (or MORE than 40 acres)
  • Restaurants
  • Rowhouses
  • Single Family Detached Homes which were sold for LESS than $50,000
  • Townhouses
  • Unimproved Raw Land (or any Land type MORE than 40 acres WITHOUT Improvements)

If you are currently receiving payments and ready to receive the absolute highest maximum lump sum in CASH possible from the sale of your privately held Real Estate Promissory Note or Real Estate Contract, please follow the steps below:

  1. Review What We Buy to determine the qualification of your transaction.
  2. Locate your REAL ESTATE NOTE or CONTRACT and related documents.
  3. For the fastest service, complete our simple online Quote Request. Alternatively, you may call us between 9 AM and 6 PM Mountain Time at 406-897-4389.

Please click here to save a shortcut to our web site in your bookmark or favorites folder.