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As A Deed Owner Payments and Interest are Secured and paid to you just like the Bank.
Instead of being the Renter or property Owner You Own the Deed still secured by the property receiving payments.
How it Works
- ALL FUNDS PLACED WITH LICENSED US THIRD PARTY FICDUCIARIRES
- All funds are placed in A Licensed US Escrow Companies
- All Escrow are Held at Major US Title Insurance Companies Only
- All Mortgages have Title and Hazard Insurance with you as the Beneficiary
About Us
Secure and protect your financial nest egg during these moments of global uncertainty. Whether it is the Pandemic or the Ukrainian War that is driving inflation and destabilizing world financial markets, there is security and protection
in “brick and mortar real estate Mortgage Note ownership in the United States.“
To own a real estate mortgage on commercial apartment building properties in the USA, it does not require USA citizenship or any special registration different, other than normal Title and Hazard Insurance that any owner would obtain to protect their beneficial interest and investment.
Because Apartments buildings have muti-family tenants that pay their rent monthly in addition to the actual trustor-owner mortgage monthly payments, you have enhanced payment performance security in addition to a brick and mortar asset that cannot be lost overnight in the stock and commodities market and that is insured against physical loss. Thus you personally retain your right to “hold” or “liquidate” your mortgage note o
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Mortgage Purchase Disclosure and How it Works
Secure and protect your financial nest egg during these moments of global uncertainty. Whether it is the Pandemic or the Ukrainian War that is driving inflation and destabilizing world financial markets, there is security and protection in “brick and mortar real estate Mortgage Note ownership in the United States.“
To own a real estate mortgage on commercial apartment building properties in the USA, it does not require USA citizenship or any special registration different, other than normal Title and Hazard Insurance that any owner would obtain to
protect their beneficial interest and investment.
Because Apartments buildings have muti-family tenants that pay their rent monthly in addition to the actual trustor-owner mortgage monthly payments, you have enhanced payment performance security in addition to a brick and mortar asset that cannot be lost overnight in the stock and commodities market and that is insured against physical loss. Thus you personally retain your right to “hold” or “liquidate” your mortgage note o
Purchase of a Mortgage is the Acquisition of Specific “Beneficiary Ownership”:
a) A Mortgage or Deed of Trust Secured by Real Estate (Apartment Buildings).
b) With a “Note” that Defines the Payment, Terms and Condition of the Mortgage Deed.
c) Apartments Buildings are commonly defined as Multi-Single Family Units.
The Key Parties in Mortgage Purchase Transactions are:
a) The “Trustor” (The Property Buyer -Person Making Payments)
b) The “Beneficiary” (The Deed Owner-Person Receiving Payments)
c) The “Trustee” ( Entity to Recovery In event of Default) (3 rd Party)
d) Loan Servicer: Third Party Professional (3 rd Party)
The Key Essential Participants of Mortgage Purchase Transactions are:
a) The “Seller” (Seller of Mortgage-USAMORTGAGES4SALE)
b) The “Buyer” ( You-The Buyer of Mortgage)
c) Property Valuation: Master Real Estate Appraiser (MAI) (3rd Party)
d) Purchase Contract-Escrow Instructions
e) The “Escrow Company” (3 rd Party)
f) The “Title Insurance Company” (3 rd Party)
g) Assignment of Mortgage –Deed Ownership to be transferred
h) Loan Servicer Optional: If Not (You) the Beneficiary Direct. (3 rd Party)
Collateral/Security:
a) Title and Hazard Insurance Assignment: Specific Apartment Mortgage
b) “Note” Payment Assignment: Terms and Condition for Mortgage-Deed.
c) Tenant-Assignment of Rents: Trustor to (You) “Beneficiary”.
Mortgage Back Securities are considered the number one collateral source worldwide. Our Private-Individual Mortgage sale and Purchase program is based on good old fashioned Real Estate Brick and Mortar Principals. All though Mortgage Back Securities have similar features in as much that Real Estate is the collateral source; our products are uniquely different:
a) You personally own and Control the Mortgage
b) The Mortgage is Brick and Mortar Investment (Real Property Estate)
c) Not a Derivative-Paper IOU or Collateral)
d) Trustor Payment Performing : Equity Cushion
e) Tenant Payment Performing: -Assignment of Rents
f) USA Economy is vibrant and competitive even in slow periods.
Buyer Certification Letter and Disclosure Acknowledgement Required:
First Time Mortgage Buyers, Consumers, Non Professional Note Holders, Real Estate Individuals, Investors, require a written supporting statement that they understand the terms and Conditions of this prospective Mortgage Purchase as it relates to Mortgage Collateralization, Maintenance, RISK and Income Yield.
a) A brief internal Certification of their Business Experience that aids the Seller
in making a decision to sale. You’re Memorandum of Understanding and Management resources will help protect your real estate investments.
b) Certification or Letter from your Accountant, Financial Advisor or Attorney.
c) Buyer’s Valuation: (MAI) Master Real Estate Appraisal-Escrow Closing
Mortgage “Sales are Final” upon escrow closing and not eligible for repurchase;
unless mutual Agreement. Any Note repurchase considerations will be subject to New Cost, Fees, Yield, Escrow and Title Expenses.
Legal Sufficiency: If you have any questions or desire legal expertise or advice, regarding the Legal Sufficiency of this Agreement, please consult your Financial Professional or Attorney. The Seller does not and cannot provide you with legal advice.
Commercial Note
No Cost to You We Close Deals Quickly Buying a Commercial Note
Commercial note characteristics to be considered when buying a Note and Mortgage:
Notes on apartment buildings with more four or more units.
Industrial notes
Notes for mixed use properties, such as when a retail shop is downstairs and or apartments upstairs
Office building notes
Special use properties including gas station notes, restaurant notes, mobile home park notes, church notes, etc. (we also do buy notes on auto repair shops and many
others)
A commercial note will show the payment information, is signed by the new owners, and describes conditions relating to the payment and default. Documents like escrow a 1) escrow closing statement 2) deed of trust or mortgage authentication, and 3) title policy are almost always used to evaluate the legitimacy, credibility and value of transaction. 4) Recent appraisals by a qualified professional and 5) Title and Hazard Insurance.
For a commercial note buyer, some of the differences of a commercial note compared to a residential one include:
Commercial notes have multiple or varying business uses.
Property value can also be determined by income production or other factors not related to comparing appraised value only.
Notes are commonly signed by an LLC or corporation rather than by an individual.
More consideration is given to environmental concerns, zoning, usage, etc.
A commercial note buyer is generally able to give the best prices if the following are true:
Good down payment of at least 20% to 30%
First (1 st) liens against the property are required.
Personal guarantees (Optional) on the note rather than the buyer just signing as a member of an LLC or corporation
If there is a personal guarantee, a strong FICO score above 650 will help
Good pay history showing that the new owner can make full and timely payments
The note collateral is mainly the property and does not include any separate business at the property.
Additional factors like properly prepared documents, attractiveness of the property, the business performing well, etc.
Buying a Commercial Note
If you are looking are looking to buy a commercial note, here are the normal steps that you would take:
1. Contact 2-3 note buyers that are knowledgeable, experienced, and well-reviewed by the Better Business Bureau or a comparable entity.
2. Upon receipt of the document package a Buyer can also offer to buy the full note or just some of the payments.
3. Once a price has been agreed upon and you have received
copies of the relevant documents and requested information you will then fund only the (3 rd ) party escrow at the Title Insurance Company upon request.
4. As a commercial note buyer you will review the documents, order an appraisal, and receive a title commitment from escrow.
5. Due diligence is completed by escrow and Title, you will receive insured assignment documents from the new Buyer (Trustor), via the escrow and Title company.
6. After you fund escrow assignment to your name and has been recorded with the county recorder, the escrow and Title Insurance Documents will be sent directly to you. Close of escrow is generally about 4-5 weeks. Since each note transaction is unique and commercial notes can be complex, the time period to close can occasionally go beyond five weeks.