How to Find Note Holders


In real estate, a note is created when someone sells his property privately to someone else and carries a portion of the payment in the form of a mortgage note. In the attempt to eagerly sell a home, a homeowner enters into a seller finance agreement with the buyer.

This transaction occurs outside of a banking institution and between the two individuals--the buyer and the seller. For whatever reasons, people who own real estate sometimes sell their notes in exchange for immediate cash.

Things You'll Need

  • Computer with Internet access
  • Contacts in real estate industry
  • Up to 2 hours in courthouse
  • Money for advertising

Search Engines

You can find note holders by searching online using the phrases, “for sale by owner,” “owner will carry” and “seller finance.” The results will show people who are selling their homes privately and those who are open to financing the transaction for a quick sale. This information should include the property addresses and telephone numbers.

Your local courthouse carries a database of property owners. You can search this database for free. However, this takes long hours of searching and sifting through information to find properties that the seller finances.

If you know someone at your local title office, you can obtain this information for free. Usually, homeowners use a title office to close the deal on a home sale. You will know if the transaction conducted included a mortgage note.

You can find note holders by word-of-mouth referrals. You can even offer the referrer a finder’s fee.

You can purchase a list of mortgage note holder leads and contact those individuals by mail or phone. These list companies build their databases from information received from the credit bureaus.

You can also place an ad in your local newspaper indicating that you are searching for note holders who want to sell their mortgage notes. Include all your contact information in your ad.

Tips & Warnings

  • Be persistent in your search. Be open to suggestions from professionals.
  • Beware of scams.

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