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Note Broker
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The Buying and Selling Private Paper or Notes has gained in popularity in recent years,
especially with the TV infomercials touting how great this business is.
They are right, each year millions of dollars of private paper is created when selling real estate,
businesses, cars, boats and a myriad of other assets. Until recently, the holders of
this paper had a limited marketplace to sell these investments for all cash in one large
lump sum. As a result they had to accept their monthly payments for the duration of
the note term. Today there is a huge market of buyers for this privately created
paper. Buyers of this Private Paper are enticed by the large yields they can achieve
through owning this Paper. Buyers on the west coast are buying notes in Florida and
vise versa. This can be a national business run successfully right out of your home.
Buyers and Sellers are getting together for these sales from all across the country
and much of this activity is controlled by "Note Brokers" who bring the buyer of
the note and the seller of the note together. We have been involved with note
brokering since the mid 1980s.
There is no licensing that
I know of to enter this business, but check with your states attorney general if
you are still concerned.
Today there is a significant market for Private Notes including:
Real Estate Notes - basically any form of Seller Financing secured by real estate; trust deeds, mortgages, wrap-arounds, AITD's, seller 2nds, land contracts, lease options and the list goes on.
Business Notes - When a small business sells, typically the seller is involved in Seller Financing of the Business Sale. These notes can be secured by real estate, business equipment etc.
Lottery Winnings - Often the winner of a lottery is paid their winnings over 20 years; we can provide the lottery winner with all cash today!
Any Form of Structured Settlement - Insurance Settlements, Law Suit Settlements, Divorce Settlements etc. where a principal amount is paid out over time.
Personal Property Notes - on cars, boats, airplanes etc.
Any Private Note created most probably can be sold for all cash today.
How The Note Brokerage Business Works
The Note Brokerage Business is quite simple really, when you have the know-how and the software. You find a private party who is accepting payments on a private note who would like to receive all their cash today in one lump sum rather than receiving the monthly payments, and list the note for sale. This is a finders fee arrangement whereby the note owner/seller agrees to pay you a fee for marketing this note and agrees to pay you a fee upon it's sale. Next you market the note to potential note buyers until you have a cash buyer with terms suitable to the note seller. You have this buyer sign a non-circumvention agreement agreeing not to buy this note without your participation and you bring the buyer and seller together. A typical deal may have the buyer offering $100,000 for the note and you negotiate a sales price of $95,000 with the seller and keep the difference or $5,000 as your fee.
The major stumbling blocks to this business have been knowing how to discount paper, where to find the note buyers and sellers, what information is needed to answer all the buyers questions and how to write contracts to protect your relationship with the Seller and the Buyer to be sure you get paid.
Discounting Paper has always been a
mystery to many people. Let's say we have a note seller with a note with a
starting balance
(or Face Amount) of $250,000 @ 8% amortized for 30 years with a balloon
payment due after the 60th payment, or 5 years and the Seller has already received 6
monthly payments on this note. The Note Buyer says he will purchase this note if it
is Discounted to Yield 9%.... How much will this Buyer pay for the note? Now if you
are very handy with a financial calculator you can crunch the numbers and solve for the
answer of $239,970.04. OR
you can plug
the information into our spreadsheet program and have it calculate all the details of this
note in an instant. You apply a 5% brokerage fee for you and quote the Seller a net
amount of $227,521.21. Our software crunches all these numbers instantly and tells
you your fee is $12,448.83, the Sellers total discount including your fee is $21,455.40 or
8.617%. Our software goes further and tells you that the total yield with your
fee is 10.456%. Our software will also work backwards going from a Buyers cash quote
and calculate the yield to the investor and the total yield and discount paid by the
Seller, including your fee. This software is really great and is the best on the
market. It provides ALL the financial information you will need, is very accurate
and is easy to use.
Once you have a note to sell and a quote to buy from a Buyer, you simply get both parties to sign our agreements of non-circumvention and start collecting the items from the Seller that the Buyer will need to complete this sale. Once the pertinent data has been collected from the Seller and submitted to the Buyer, you simply wait the customary 2 to 3 weeks for the sale to close and collect your check.
Here Is What We Provide To You: (16 Files & Programs in Excel & Word & .txt)
- Complete explanation of how the business works, how to conduct it, why your services are needed and how to avoid the common mistakes that cost you time and money.
- Checklists of information needed from the note Seller to be able to get an accurate cash quote from Note Buyers and Note Sellers Questionnaires to be completed by the Sellers to be sure you get all the pertinent information
- Note Discounting Software in Excel with complete operating instructions so you will know the yields and discounts of your offers before and after your fees are included
- What typical purchase yields and discounts are for various types of notes and collateral securing these private notes
- Non-circumvention contracts or agreements to interface with the note Seller and the note Buyer to be sure your fee is protected
- Where and How to find Private Note Sellers who may be interested in receiving all cash for their note in one lump sum today
- Names, addresses, phone numbers and email addresses of National Note Buyers including US who will often purchase or arrange the sale for you; and yes, we may purchase your note or have buyers for it too!
How Much Can You Make
Brokering Notes?
Typically your fees will range from 5% to 10% of the current note balance. As the dollar amount goes up the fee structure goes down. An average real estate note of about $100,000 in face amount would generate a fee in the range of about 5% or more. We provide some benchmark fee percentages based upon the dollar amount and type of note in our material.
Earnings Potential
| Number of Note Deals Closed Per Month | 3 |
| Average Note Amount | $100,000.00 |
| Your Fees (5% to 10% Typical Fee Range) | 5% |
| Your Monthly Income | $15,000.00 |
| Your Annual Income | $180,000.00 |
Not a bad income if I do say so myself. This program is the
best program on the market today. No other program gives you all this know how; where
to get the notes to sell, who buys these notes, all the contracts you need to safe-guard
your fee and software (Note Discounting Program written in msExcel) to crunch your numbers
like the pros. Our program also has NO
recurring monthly fees associated with it.
You can spend anywhere from about $850.00 to almost $9,000.00 for similar programs
providing all these features.... WHY? Why not save several hundred dollars getting
into a proven profitable business?
The total one-time price of this entire money making
Business Opportunity is only
$59.95
NOW $29.95
. This is less than
10% the cost of some programs to
duplicate this business offering. The software alone is worth more than that and the
"Know-How" and contacts are priceless; not to mention a personalized web site.
We are planning on making our money by helping you fund your notes.
We want you to bring your notes to us so we can help you get them funded.
Fast, Secure and totally FREE
service used world wide to handle your payment and credit card information. If you
are not a current PayPal member, signing up takes only a couple minutes and they even
credit your new account with $5.00 just for signing up. Your order will be available
for immediate download as soon as payment is processed.
Click the Add To Cart To Pay via Credit Card or Debit Card or Check etc.
Personal Checks or Money Orders should be made payable to and sent to:
T. J. Stewart [] 20310 N. SR 3 [] Eaton, IN 47338 [] (765) 396-3427
Upon receipt of payment your complete package will be emailed to you for fast easy download and save any Shipping & Handling fees. If you choose to get this material sent to you on disk via US Mail, please include $10.00 to cover additional shipping and handling.
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