Proficient Note Buyers
  • What We Buy
Proficient buys privately-held (also called seller-financed) real estate notes in all 50 states. Depending on the state, this Ďpaperí may come in the form of a Note & Deed of Trust, a Note & Mortgage, or a Contract for Deed. Certain states have other names for the documents, but they essentially fall into one of these three categories.

The collateral securing the notes may be on any of the following property types:


  • Single-family residences
  • 2-4 family residences
  • Multi-family residences (apartment buildings with five or more units)
  • Condominiums
  • Townhouses


  • Mixed-use properties (buildings with a residential and commercial component)
  • Retail properties (strip malls, single-tenant shops)
  • Office buildings
  • Office condominiums
  • Other (If the commercial property type is not listed here, contact us)


  • Improved residential lots (utilities, sewer/septic, roads, etc.)
  • Unimproved residential lots
  • Improved and unimproved commercial land
  • Recreational land
  • Agricultural land


Do you have a need for a set amount of cash? We can provide an option to purchase just part of your seller-financed note, leaving you a future stream of payments once our entitlement has been satisfied. This is called a partial purchase, and itís another option to consider, especially in declining real estate markets where the property you sold may be worth less today than it was on the sales date.
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Our efforts stay focused on note holders. If you are a note finder, a note broker, or anyone other than the actual note holder, please do not contact us.

Proficient Note Buyers
  • Blog
April 01, 2014
A Coastal Conundrum
As a note holder, what should you do when the county comes after you when the property falls into neglect?

  • News
April 01, 2014
Real Estate Agent, Account Exec Sentenced for Massive Mortgage Fraud
A prominent North County married couple were sentenced Thursday to more than three years in prison for a multi-million dollar mortgage fraud scheme, centered in San Diego.

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