Apparently some people think this aspect of real estate is a little "shady"...  We actually provide a very valuable service that many people need.  There is nothing "shady" about it. Some people who hold notes find themselves in a position where they are surviving on the payments they are receiving month to month.  They need a large sum of money to pay off bills, fund their children's education, or even to take a vacation they have been dreaming about.  We do not question what they do with the money, and it does not matter. We simply provide people with the money that they need in exchange for the remaining payments on their notes.  We offer a high market value for the notes, and get the money to our clients within 4 to 6 weeks - and even sooner if we can get all of the paperwork together quickly. We do not accept any payments, and we do not charge for anything.  We simply pay our clients the amount of money that is agreed upon beforehand.  Some people think that the value of their note is higher than what the appraisers establish - but our appraisers valuate the note with the consideration of escrow services, and any variable fees that may be required.  We pay all of these costs, so that our clients have nothing to worry about, and can use all of their money for whatever they wish to use it for. ...read more

At MD&Associates;, we work alongside several wealthy investors who are looking to invest in privately held Mortgage Notes, Trust Deeds, and Land Sales.  We are interested in Single Family Residences, Multi-Family Residences, Land Sales, and Commercial Properties. For those of you who are in the know, this is good information, but for those who just read that and asked yourself -- huh?  Allow me to explain. I am not a broker, and I am not rich.  I have over five thousand contacts who are real estate investors.  We, as a company are worth hundreds of billions of dollars (more than $100 Billion)  but that is as a company.  Myself, I am freezing because the heat is so expensive up here. What do I do?  Too many times I have been asked this by everyone I know.  I try to explain it, and I think I might be able to do so very well by now. It is very complex, but rather simple.  I buy mortgage notes, trust deeds, and land sales contracts.  In short, I buy notes.  A note is any type of paper that can be redeemed for something desirable.  Do you have a U. S. dollar bill? (or any denomination) they all say at the top "Federal Reserve Note".  These notes were originally created to cover a certain amount of silver and gold that the US reserve was holding, and once upon a time could actually be redeemed for such.  Not any more. We buy real estate notes.  Residential and commercial - a house, or condo, apartment complexes, retirement homes, etc...  When a property is sold, and for whatever reason the buyer can not get financed through the bank (usually credit scores), then the seller finances the sale.  - These are my target note holders.  The seller will draw up all of the paperwork, and make everything legal, and have the buyer put up a down payment, pay closing costs, and write up a mortgage, or a trust deed.  Everything goes the exact same as with a bank, only that the amount of money that is still owed, and must be paid off is referred to as the "note". There is still interest, and with amortized interest payments, they are included with the monthly payments.  Every payment pays some interest, and some principal.  The amount that pays the principal reduces the value of the note, when the note is paid off, then the title goes to the home owner.  Most people who have a seller financed note never wanted it to begin with.  And others thought it was a good idea at first, but didn't realize that thirty years (typically) is a long time to wait for monthly payments.  Well the monthly payments start immediately, but it takes 30 years to collect the total amount. Here's where I come in.  I contact the people who want to sell their notes for cash NOW.  Or in some cases they contact me.  I place ads online, and at real estate offices that I can not name because I don't have their permission to do so...  I have contact information sent to my e-mail, and I forward this information to my company investors.  I have over 5,000 investors, so it is sent out in a bulk e-mail to all of them.  Those who are interested in the notes contact me, and I work with them a little like an auction.  In the first 72 hours I submit to the note holder the highest amount offered, and if they wish to wait a couple more days to see if a higher offer comes in, I can do so as well...  I am an honest person, and I make sure the seller gets the best value. If a note holder is happy with the amount that the investor offers, then we have a deal, and the note holder gets their cash within 4 to 6 weeks, and the investor pays all closing costs and fees.  At this point, I get my commission from the investor for bringing the sale together.  This does not affect the buyer of the property in any way at all, well a change in payment address.  They stay in the house, they pay the exact same amount, and they usually have no idea that anything has happened at all.  Except that they receive in the mail a notice that from this date forward they will now make all of their mortgage payments to a new address. Check out my web site here. If you want to drop a note, leave a message, or say "hi" click here for my e-mail contact. ...read more