Author Archive

Note Safety—Loan-To-Value Ratio

A low loan-to-value ratio makes your note safer and increases its resale value. The loan-to-value ratio for your note is the sum of the current loan balance for your loan and all senior loans divided by the current market value of the property securing the note. Loan-to-value ratio for a second loan having a current….  Read the rest »

Basic Note Buying Negotiation Tips

Lets take a look at some basic negotiation tips that you can easily apply to your own note purchase situation. 1. Look for some type of common ground when you first begin your negotiation. You are building up rapport and spending time just getting to know the other person or party involved. 2. Look and….  Read the rest »