Define the note
Identify the note type, unpaid balance, payment status, maturity, rate, collateral or obligor context, geography, and material exclusions.
Fitzgerald Advisors · Direct portfolio brokerage
Note Broker: How selling a mortgage or business note works.
At a glance: Learn how Fitzgerald Advisors brokers mortgage, business, promissory, BHPH, and other whole-note transactions for qualified sellers and buyers.
Transaction hub: Note Brokerage & Whole Loans: sell a mortgage note
A defined starting point
A note broker connects the file to the right next conversation.
Fitzgerald is a broker-led desk, not a public note marketplace and not the buyer of every note. The work begins by clarifying the note type, payment and maturity profile, collateral or obligor context, ownership and assignment record, servicing, documentation, objective, and timing. A suitable process is then shaped around qualified counterparties and controlled diligence.
Asset scope
What the conversation may cover.
- Mortgage and real-estate notes
- Owner-financed notes
- Business and commercial notes
- Promissory notes
- Performing and non-performing notes
- BHPH and auto notes
Establish the file
Summarize payment history, documents, ownership and assignment chain, servicing records, collateral or guaranty evidence, and known gaps.
Match the role
Route sellers to a note review, buyers to qualification, and independent brokers to a separate partner discussion without claiming to be the purchaser.
Illustrative transaction patterns
What a prepared mandate can look like.
These are anonymized, non-transactional examples of information and decision patterns a broker-led review may involve. They are not representations of completed deals, current inventory, pricing, recovery, or closing results.
Mortgage-note seller with a documented payment stream
Illustrative pattern: a note holder wants to evaluate a full or partial sale and can organize the note, payment history, collateral and lien context, assignment chain, servicing record, and known exceptions. The broker-led question is whether the file is defined enough for a controlled buyer conversation, not what price is guaranteed.
Business-note buyer with a defined mandate
Illustrative pattern: a qualified buyer states the note type, balance range, geography, payment profile, collateral or obligor preference, capital source, servicing capacity, diligence requirements, and approval timing before requesting detailed records. That creates a usable fit screen without representing that inventory is available.
The first conversation
How a note brokerage conversation starts
- 01
Choose the path
Tell us whether you are selling a note, seeking notes to buy, or exploring a broker-led referral or advisory conversation.
- 02
Describe the asset or buy box
Share the note type, geography, size, payment or collateral profile, records available, operating capacity, and timing at a business level.
- 03
Confirm fit
The desk determines whether the mandate is defined enough for a focused counterparty conversation and what information should be prepared next.
- 04
Control the review
If appropriate, the next stage can establish confidentiality, diligence responsibilities, bid or offer comparison, servicing transfer, and closing requirements.
Before you reach out
What to have ready for a note-broker review
Start with aggregate facts. Do not send borrower-level information, unredacted files, Social Security numbers, or account numbers through the initial inquiry.
- Note type, approximate balance, payment status, rate, maturity, and geography
- Payment history, collateral or obligor context, ownership, assignment, and servicing records
- Available documents, known exceptions, confidentiality requirements, and transaction objective
- Seller role, buyer buy box, or broker-partner context and decision timeline
Confidential intake
Start a note-broker conversation
Tell us whether you are selling, buying, or referring a note mandate. Begin with the note type, approximate scale, available information, role, and timing.
Choose a path: I want to sell a mortgage note · I want to buy mortgage notes
Direct answers
Frequently asked questions
What does a note broker do?
A note broker helps a qualified seller or buyer define the note mandate, organize the relevant information, assess counterparty fit, and coordinate a controlled path to diligence and transaction terms. Fitzgerald Advisors is a broker-led desk, not the buyer of every note and not a public note marketplace.
What kinds of notes can Fitzgerald review?
The initial conversation may cover mortgage and real-estate notes, owner-financed notes, business and commercial notes, promissory notes, performing or non-performing notes, and BHPH or auto notes when the asset, records, and mandate fit a qualified transaction process.
How does a mortgage-note sale begin?
Begin with the note type, approximate balance, payment status, rate, maturity, collateral or obligor context, ownership and assignment record, servicing, available documents, objective, and timing. Keep borrower-level information and unredacted files out of the initial inquiry.
Does Fitzgerald guarantee a buyer, price, or closing?
No. Fitzgerald does not guarantee a buyer, highest price, recovery, transaction availability, or closing. Any next step depends on the facts, documentation, counterparty fit, confidentiality requirements, and negotiated transaction terms.
Asset-class paths: Sell mortgage notes · Buy mortgage notes · Whole-loan and note process
Discuss a portfolio mandate · Sell debt portfolios · Buy debt portfolios