Have you ever sold a note before?

Let me just briefly explain to you how this process works and how we determine the cash value of your note.

We analyze each monthly payment you receive and calculate its value into the future. In other words, dollars today will buy more than dollars in the future. If it's ok with you, I would like to give you a couple of examples about what I'm talking about.

Looking back 20 to 30 years ago, we could go to the movies for what? about $1, right? And gasoline was about $.65 a gallon? Now look at what we pay. This is what I mean when I say dollars today are worth more than dollars in the future.

So we have to factor that into the price. I have another example: Suppose I have $10 in my left hand and $5 in my right. Which one do you want? Of course, you would choose the $10 in my left hand. But now, let's add this to the equation: you have to wait (the remaining number of monthly payments on their note) ____ years to get the $10 or you can have the $5 now. Which one would you rather have? Of course the $5 now, right?

So, let me give you some numbers, now that you understand how we determine the cash value of your note. There are two ways you can sell a note. The first way is through a partial sale of your note -- this is the most profitable way for you. You can sell a portion of the remaining payments on it. For example, you sell me the next 60 of your 96 remaining monthly payments you are owed. At the end of the 60 months, the note payments revert back to you, and you would receive the remaining 36 payments. At that time, the balance will still be $_________. So, you are getting a lump sum of cash now and you still have $________ coming to you in 5 years. With this option you are still in the deal. If the Payor doesn't pay, I'm going to come back to you and say, "His/Her First Name, I gave you all that money, so you need to keep me whole by keeping those payments current.” They sound as if they are good Payors from what you described, so I'm sure there shouldn't be any problem.

The Second option is to cash you out in full. So, if the Payor's don't pay or the property burns down or blows away, you don't care because you are out of the deal. I will give you $__________ for the full sale of your note.

Which one of these options sounds the best to you?

When you decide to go ahead with this sale, I will send you out a Commitment Letter that states my obligation to you, along with a list of copied documents I will need back from you.

Then I'll deposit a check in the amount of $__________ (purchase price) into an escrow account at a title or escrow company of your choice. They'll close the transaction and make sure you get the right amount of money and that I get the right paper work. That way you are 100% guaranteed to get paid. Sounds pretty good, doesn't it?

Paper Analysis Worksheet Questions / All information given is totally confidential and will not result in any spammimg or junkmail. We suggest you use your actual loan papers when answering these questions because accuracy will be important for us to come up with a viable offer.

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