FIXnotes

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FIXnotes 📍 Learn Notes for Free: https://www.skool.com/notes Elevating the industry's standards for quality & social responsibility.

Investors everywhere trust FIXnotes for training/education, investment opportunities, asset management & due diligence.

10/13/2026

$1.7M on the first. $347K on our second. House worth $900K.

Before discounting a second mortgage, ask for the first mortgage statement. This one hid a $600,000 deferred balance from a loan modification.

From a FIXnotes office hour. General information, not advice.

Comment NOTES for an invitation to apply.

Can you buy a mortgage note straight from a bank? Usually not at first.Banks sell in bulk to buyers they've already vett...
10/12/2026

Can you buy a mortgage note straight from a bank? Usually not at first.

Banks sell in bulk to buyers they've already vetted. Here's how a loan actually moves, and the 3 ways in.

Comment NOTES for an invitation to apply to the Mortgage Note Mastermind.

10/11/2026

Paid off in 2009? The pay history says otherwise.

The borrower's payoff letter was for a prior mortgage. The payments after the 2009 modification proved this loan was still open.

From a FIXnotes office hour. General information, not legal advice.

Comment NOTES for an invitation to apply.

A charge-off isn't the end of the debt. It's often where note investors come in.The bank writes the loan off its books, ...
10/11/2026

A charge-off isn't the end of the debt. It's often where note investors come in.

The bank writes the loan off its books, but the borrower still owes it and the lien stays on the house. What that means, and what happens next.

Comment NOTES for an invitation to apply to the Mortgage Note Mastermind.

Education only. Not investment, tax or legal advice.

Before you buy a mortgage note, check the paperwork. Here's what should be in the file, shown on a training file from ou...
10/10/2026

Before you buy a mortgage note, check the paperwork. Here's what should be in the file, shown on a training file from our members' packet.

4 papers can't be missing: the original note, the endorsements, the mortgage and the assignments.

Save this for your next bid.

Comment NOTES for an invitation to apply to the Mortgage Note Mastermind.

10/10/2026

$20K to make it go away. Then $30K in lawyers.

A second with no equity went to sheriff's sale. Investors bought it out thinking it was a first, and sued when they found out. The client got close to $60K, then paid it back out in settlement and legal fees.

One file's outcome from a FIXnotes office hour. Not typical results, not advice.

Comment NOTES for an invitation to apply.

Is the first mortgage being paid? Is there equity? Who lives there? 3 questions, then a price, worked through on our tra...
10/09/2026

Is the first mortgage being paid? Is there equity? Who lives there?

3 questions, then a price, worked through on our training file.

Comment NOTES for an invitation to apply to the Mortgage Note Mastermind.

He paid $30,000 for a mortgage note. 3 years later, breaking even is the best case.A member's real New York file: no pay...
10/08/2026

He paid $30,000 for a mortgage note. 3 years later, breaking even is the best case.

A member's real New York file: no payment records, a borrower who said the loan wasn't his, and $20,000 in legal fees. The numbers, all in, and what he'd do differently.

Swipe to the math slide before you price your next New York loan.

Comment NOTES for an invitation to apply to the Mortgage Note Mastermind.

Education only. Not investment advice. Real results vary, and losses happen.

10/08/2026

Send the demand letter and the refinance is dead.

A charged-off second mortgage can still be refinanced out, even through a reverse mortgage.

A demand letter puts the loan in foreclosure, and no lender will underwrite that.

From a FIXnotes office hour. General information, not legal or lending advice.

Comment NOTES for an invitation to apply.

What do note investors actually do all day? 1 loan from our training file, followed from the list of loans for sale to s...
10/07/2026

What do note investors actually do all day?

1 loan from our training file, followed from the list of loans for sale to steady payments. 13 months, 10 steps, and none of it in a courtroom.

Comment NOTES for an invitation to apply to the Mortgage Note Mastermind.

Education only. Fictional training file.

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Philadelphia, PA
19102

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