Many of the articles and posts below about mortgage notes and other promissory notes have been published in the periodicals of various county bar associations, realtor groups, and builder/developer organizations throughout the U.S. Seascape Capital serves as real estate note buyers (private mortgage buyers) and occasionally as a real estate note broker in the purchase of nearly any type of promissory note.

All articles, posts and content on this website are copyrighted by Seascape Capital Inc. and may not be reprinted, duplicated, or used without the company’s written permission.

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4 Effective Ways to Sell a House in 2024

Photo by Lili Kovac on Unsplash There are easy ways and hard ways to sell a house in 2024. Some avenues involve heavy lifting from your end – the seller. Others are quick, easy, and painless. Thankfully, with the help of technology, home sales can happen quicker than ever before. Consider these unique strategies to

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Mortgages Public Record: An In-Depth Guide

For everyone working in the real estate market, knowing the mortgages and their position as public records might be essential. Knowing how mortgages operate in the public domain is crucial whether you’re a buyer, a real estate agent, a note buyer, or just someone who enjoys looking at property data. The goal of this thorough

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The Essential Guide to Recourse vs Non Recourse Loans

In a time when financial flexibility is crucial for the expansion of both individuals and businesses, it is essential to comprehend the complexities of various loan types. Recourse and non-recourse loans, while frequently encountered in the lending industry, can be perplexing to borrowers, particularly when making critical decisions such as selecting a note buyer for

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Promissory Note vs Loan Agreement: Key Components and Comparisons

Transparency in financial transactions hinges on understanding the disparities between loan agreements and promissory notes. While loan agreements delineate terms like loan amount, interest rate, and repayment schedule, promissory notes serve as concise acknowledgments of debt. Recognizing these distinctions is crucial for all parties, including note buyers, to ensure legal adherence and risk mitigation in

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What Is An Allonge and How Does It Impact Your Mortgage?

When buying or selling a house, there’s a key document called an “allonge to a mortgage note” that comes into play. It’s not as complicated as it sounds. Essentially, an allonge is an extra piece of paper attached to the original mortgage note. This is needed when there’s no more space left on the mortgage

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Mortgage Subordination: A Comprehensive Guide

Embarking on the journey of homeownership frequently introduces various financial concepts, with mortgage subordination being a pivotal yet often misunderstood element. This guide aims to demystify mortgage subordination, elucidating its role and importance in home financing, especially in scenarios involving note buyers. Note buyers, as entities that purchase promissory notes tied to properties, often encounter

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The Essentials of Holding the Note in Real Estate Investing

The real estate market is a dynamic and intricate sector, filled with unique terminologies and practices. Among these, the concept of “holding a note” is particularly significant, yet not always well-understood. This blog post aims to demystify this concept, exploring its nuances and implications for both sellers and buyers in the real estate market. Key

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Understanding Addendum to Promissory Note

Promissory notes are legally binding financial instruments, essential in various lending transactions. These documents outline the terms under which money is borrowed and repaid. However, financial circumstances and agreements can evolve, necessitating modifications to the original terms. This is where an addendum to a promissory note becomes critical. In this article, we will explore the

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Exploring Straight Notes in Real Estate

In the world of real estate, filled with specialized terms and concepts, the “straight note” stands out as particularly crucial, especially for note buyers. This aspect of property transactions may initially appear complex, but anyone involved in the real estate market needs to understand. In this article, we aim to simplify the concept of a

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Unraveling Mortgage Securitization: A Comprehensive Guide

Mortgage securitization is a key process in the financial industry. It’s a method for banks to transform home loans into a product that can be sold to investors. This intricate process transforms mortgages into marketable securities, influencing everything from individual home loans to the global banking sector. In this detailed exploration, we’ll dive deep into

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