The articles below have been published in the periodicals of numerous bar associations, realtor groups, and builder/developer
associations.  
All articles on this website are copyrighted by Alan Noblitt and may not be reprinted, duplicated, or used without
his written permission.

TIPS ON CREATING A REAL ESTATE NOTE

Over the past few years of low interest rates in real estate, there was not a lot of news about owner
financing.  Banks and credit unions have scrambled to find more customers by lowering their
lending criteria and competing on rates, so that nearly anyone could find a loan for their house or
business somewhere.  That is still somewhat the case today, though it will become less so as
interest rates continue to rise and foreclosures climb.

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SELLING YOUR REAL ESTATE NOTE

Perhaps you’ve recently come across a great investment opportunity.  Or, maybe you need some
extra cash flow to pay down debt.  Whatever the reason, you have heard that you can sell your real
estate note (more often called a mortgage note), but you aren’t quite sure how it works or how to
ensure that you get a good deal.

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GETTING THE CASH OUT OF YOUR BUSINESS NOTE

Business notes, known more specifically as seller carryback business notes, are created when the
buyer of a business can not or will not pay all cash.  Frequently, banks and similar lending
institutions are hesitant to loan money to new business owners who have minimal track records and
where hard assets make up a small percentage of the total purchase price.

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MAKING THE SALE WITH SELLER FINANCING
(for Business Brokers)

In the purchase and sale of any business, the amount of cash trading hands is always one of the
major factors in the transaction.  The buyer of the business wants to pay as little as possible and
get as favorable of terms for himself as he can, while the seller is looking to get as much cash as
possible so he can move on to other opportunities.  

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