Significantly.

Let me give you an example:

You have a $50,000 note you need to sell. Although you could sell only a few payments or whole note, for this example, let's say you wish to sell whole note.

You do a search on internet and find a long list of brokers hawking phrases at you like, We can get you top dollar for your note..." and like.

So you choose one and give them basic information about your note so that they can give you a quote on what you could expect to receive for your note.

So, broker calls you back after speaking with an "actual investor" about your note. The investor has told broker that he'll pay, say $41,000 for your note.

Your broker says to you, "We can pay you $37,500 for your note.

He explains whole reason notes are discounted but never mentions that other $3,500 discount you had to take because of his broker fee.

So, without ever discussing fees, you just paid $3,500 to have a guy make a phone call on your behalf to an "actual note buyer/investor.

***A Smarter Way To Sell Your Note***

What I am about to reveal to you is subject of many nasty emails I get from other brokers....angry brokers.

Angry because what I am about to tell you takes money out of their pockets and puts it back into yours.

All brokers are in possession of a "little black book" of "real note buyers and investors".

Private individuals mostly but it also includes institutional note buyers.

Check it out yourself. It's called $67 Solution! You can find and use it risk-free by going to: www.mortgagenotecash.com/directaccess.htm

Frederick Webb is a Certified Cash Flow Consultant and resident of Webb Funding Group, a small debt brokerage agency he runs with his wife, Kashita Webb.

 4. Split Payment. This is when investor purchases half of seller's monthly payment and seller continues to receive income from other half.

 5. Balloon Only. The note investor, in this case, only purchases balloon due at predetermined date on promissory note.

This option works when seller needs some cash at closing but doesn't want to wait 30 years to collect balance.

To illustrate, let's use this hypothetical situation:

 Mr. Jones holds a note on a property with a balance of $103,865.68. It is amortized over a period of 360 months (30 years), 10% interest with a monthly payment of $943.83.

 Now Mr. Jones gets an offer of $87,613 for note on a full purchase option and is very disappointed.

He objects to this offer. So then note investor offers Mr. Jones $73,165.82 for a partial purchase of note where investor buys 150 of 300 payments remaining on note. (1/2)

 Mr. Jones is pleased with this offer because he got a better price for selling only half of note. Do you see that?

In full purchase offer, half would only be a little over $43,000 using full purchase offer of $87,613.

Mr. Jones got a much better deal this way and he is still owner of 150 remaining payments due to him from note.

 So, as you can see, deciding whether to accept a full purchase offer over a partial purchase offer is not always an easy decision to make...

if getting most money for your note is your primary concern.

Frederick Webb is a Certified Cash Flow Consultant and President of Webb Funding Group, a small debt brokerage firm he runs with his wife, Kashita Webb.