Owner Financing Homes
with Real Estate Notes

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America's Premier Real Estate Note Investors
TCF Buys Owner Financed Mortgage Notes, Trust Deeds & Land Contracts Nationwide

Legendary singer/songwriter Bob Dylan nailed it: The times, they really ARE a-changin'.

Seller-financed real estate notes are quickly becoming the financial tool of choice for motivated property sellers.

We get the same three questions all the time nowadays:

1). "Why isn't anyone paying face value, or even close to it, for my note like they did a couple of years ago?"
2). "Why is the price investors are paying for real estate notes so deeply affected by Wall Street and the economic crisis?"
3). "What happened to the secondary note market?"

To understand the answers to those questions, you need to understand where the note market has come from, what's really driving real estate market values and the prices that note buyers can pay for real estate secured notes (it's not what you think) and the factors that will continue to drive them for at least the next 5 to 10 years.

Call us now at 1-877-932-2628 or request your free, online quote.

What Ever Happened To 'The Good Ole Days'?
Once upon a time, mortgage & real estate secured debt, including seller financed real estate notes, were bought, bundled and securitized into massive financial instruments called mortgage backed securities (MBS), and Wall Street loved them. MBS's were very popular. In fact, they were considered to be among the safest and most secure, sure-bet income-producing assets investors could get their hands on.

There was a nationwide housing boom in full swing and things were good all over. Investment brokerage firms sprang up like weeds and it seemed, at least for a time, like everyone and their sister was either a part-time real estate agent or a part-time mortgage broker, or both. Interest rates were at an all-time low and cash-out home equity loans with adjustable rate mortgages swept the nation.

Low-cost money was easy to get and investors were willing to pay high prices for mortgage debt because they knew they'd be able to quickly recoup their money by dumping their note bundles off on Wall Street investors who would securitize the bundles into MBS's. Consumer spending shot thru the roof; home equity loans, home equity lines of credit and credit card debt spiraled into the trillions and no one seemed to notice while big banks & Wall Street quietly raked in hundreds of billions of dollars in profits.

To bury their snouts as deeply as possible in the financial feeding frenzy trough, big banks tossed common sense lending guidelines out the proverbial window and seemed to give home mortgage loans and home equity loans to practically anybody who applied for one, including tens of millions of adjustable rate loans, based on over-inflated property values, to borrowers despite bad credit, limited income and no apparent means of repaying the loans. The result was, unfortunately, as predictable as it was inevitable.

And The Band Played On...
Because everybody wanted MBS's, the Wall Street investment community that created them could scarcely keep up with the demand. Local, national and international banks, investment firms, huge institutional investors, private investors, insurance companies, hedge funds, mutual funds...you name it, everyone snatched them up. MBS's were THE hot investment and everybody wanted them in their portfolio. It was classic supply and demand; Huge demand + limited supply = higher prices. And the market supported it; at least for awhile. Right up until midway through 2007, MBS's were a Wall Street mainstay.

What Goes Up Must Come Down
And then suddenly, almost overnight it seemed, the adjustable rate mortgages that bloated the MBS's began resetting to higher interest rates. A veritable avalanche of defaults and foreclosures followed, over-leveraged banks and investment firms began dropping like flies, 'sub-prime mortgage crisis' became a household buzzword, fear gripped the markets, everybody scrambled to get out of the collapsing MBS's and the whole thing came crashing down.

As predictable as ever, big banks and Wall Street did their best to "spin" their greed and make themselves out to be the victims while pointing the finger of blame at everyone else. Then huge banks, insurance companies and investment firms started to fold; even mortgage giants Fannie Mae and Freddie Mac screamed for a government bailout and then, recession set in. The party was over; everything had changed. Nothing would ever be the same again.

A Brave New World
Now Wall Street won't hardly touch mortgage backed securities. The demand has all but vaporized; all the institutional investors, mutual funds and banks have taken their loses and moved their money elsewhere. Private investors are about the only ones who are still buying seller financed real estate notes these days. And because they can't sell them off to Wall Street and recoup their money like they used to do, private note buyers have to buy and hold. As a result, they can't afford to pay the same high prices for notes like they used to. Indeed, everything has changed.

Time for a Reality Check
Since bank and mortgage lending dried up in 2007/2008, owner financing of homes has emerged as one of the leading ways people are buying and selling property - just like in the late 80's and 90's. And just like in the 80's and 90's, while the market is becoming flooded with seller financed real estate notes, there are only a very limited number of places still willing to buy them. Again, it's supply and demand, only this time it's reversed. Huge supply + limited demand = lower prices; it's just basic economics.

To make matters worse, sub-prime mortgage giants Fannie Mae and Freddie Mac announced in 2008, amid hundreds of bank and investment firm failures, that they were on the rocks, saddled with almost $5 TRILLION in consumer mortgage debt and needed a government bailout just to survive. The combination of that, the sub-prime meltdown, tens of millions of foreclosures and millions more on the way, a full-on recession, rising unemployment and plummeting real estate values nationwide has taken a devastating toll on the remaining, ever-shrinking pool of active note buyers and investors.

The net result is that more than 95% of the note investors that were in business just 3 years ago have been forced out of business or are no longer buying real estate secured notes. More than 95%. How's that for a reality check?

TriMark Capital Funding, Inc. - Solid As A Rock
Fortunately TCF was not among those casualties and did not share in their fate, primarily because TCF has always taken a conservative approach to investing and has never securitized any of it's investments. It is for that reason that TCF is still one of the leading private note investors and mortgage note buyers operating in the United States today.

Want more good news? At TCF, we are STILL buying and STILL paying top dollar for good quality private real estate notes and discounted mortgage notes. While it is no longer possible to offer up to 99 cents on the dollar like we did "back in the day", we are still able to offer aggressive, realistic pricing, we can still beat out all of our competitor's prices and we still back that up with our top dollar guarantee.

And that's not all. As one of America's top private note buyers, we know this business inside and out. You won't be at the mercy of greedy, unscrupulous note brokers or middlemen; you'll be working directly with professionals who have been buying and selling notes for years. TCF will pay you the highest cash price for your note with no hassles, no risks, no runarounds and no closing costs either.

Commercial Mortgage Note	Mobile Home Notes
Contract for Deed	Mortgage Notes
Land Contracts	Trust Deeds

Flexible Purchase Options
TCF offers several purchase options that can be customized to suit your exact financial needs, whether you want to sell your entire note or convert just a portion of your future payments into immediate cash.

Full Purchase:

Our full purchase option is popular with note holders for several excellent reasons: Provides the largest amount of cash right now Liquidates the entire note immediately Eliminates IRS and tax reporting Removes the risk and hassle of a potential foreclosure

Partial Purchase:

Our partial purchase is exceptionally popular with note sellers because of it's extreme flexibility and because in many cases it is possible to receive MORE MONEY than the original selling price. Also, note holders frequently don't need to sell their entire note, they just need to access some of it's value, so we buy a specific number of note payments instead of the whole note and the note seller keeps the rest. The note seller receives cash at closing to achieve their immediate goals and has the option to sell the remaining payments later or begin collecting payments again in the future. Do you just need a large chunk of cash for something, or do you still want some level of monthly payment in addition to a lump sum? And how much cash do you need? That will determine how much of your note we need to buy. These are the kinds of things we'll go over with you in the phone consultation.

The TriMark Capital Funding, Inc. Promise of Excellence:

We will always do our utmost to pay you the HIGHEST CASH PRICE for your note. We will consider all 1st lien position notes, regardless of size or balance. TCF pays all normal closing costs including title, appraisal, etc. We promise FAST QUOTES, FAST PROCESSING, FAST CLOSING & FAST FUNDING.

TCF's Top Dollar Guarantee THE Final Word on Pricing: TCF's goal is to deliver to every single TCF client friendly, straightforward, world-class customer service, served up with honesty, integrity and courtesy, in addition to the best pricing available. We will do our utmost to beat every other purchase offer you receive, but in the unlikely event that another note buyer offers you a higher price, by all means CALL US, let us know and we'll beat it. And if we can’t beat the price, we’ll tell you so, right on the spot so we don't waste your time. And just so there's no hard feelings, we'll send you a check for $300 when you close with the other note buyer. That's how committed we are to earning your business the right way and making sure you get the best possible price when you sell your mortgage note or trust deed.