I am part of a growing industry specializing in working with professionals and individuals alike to find creative cash solutions; namely, I help note holders receive a lump sum of money in exchange for their secured real estate notes.

Once a real estate note is created through the use of private or seller financing, it can be sold for cash shortly after the close of escrow.  Existing notes can also be sold to achieve cash liquidity for any financial need or objective.

Simply put, a note is a written document that specifies a promise to pay.  The terms of the payment agreement and the parties involved are stated in the note.  The terms usually include the amount owed, the interest rate, and the length of time or schedule of the payments.

You can think of a note as a "promissory note" or as a formal "IOU".  It is a credit instrument that documents a debtor's obligation to pay.  A note can also be referred to as a "cash flow", because that is literally what it describes - a flow of cash from one party to another.

A secured real estate note has a separate document that ties the obligation of the payer to the note holder (mortgagee, trustee) to a specific piece of property.  This additional document is called a mortgage, trust deed, deed of trust, or land contract depending on the area of the country.  All of these names describe the same legal document - a security instrument.

The security instrument provides the legal evidence of the pledge of real estate as security while the note provides the credit instrument or the promise to pay.  So, the mortgage or trust deed is drawn up to specify what property's ownership will be subject to the proper payment of the note.

Welcome and thanks for visiting!  Perhaps you would like to know more about me so I invite you to read on a bit.

I was born and raised in Southwest Michigan, more specifically, Grand Rapids.  My Father either managed or owned (still does) a bowling center almost all of my younger years.  So, unlike most youngsters I grew up in one.  Sometimes I wish it would have been a golf course but anyway$...  Hopefully you grasped the subtle hint with the "dollar sign" but back to me.

So it was my aspiration to be the greatest professional bowler of all time.  To help in this ambition I attended Wichita State University which is a dominant powerhouse in collegiate bowling.  By the way, they have a great business school as well.  During my attendance at WSU I managed a few accolades worth noting such as a Collegiate National Championship, a Collegiate All-American, and Collegiate Player of the Year.  I also had a few academic honors and graduated cum laude with a degree in marketing.

I have traveled the country as a PBA (Professional Bowlers Association) Member since joining in 2001 where I was awarded the PBA Central Region Rookie of the Year.  Although, not touring full-time anymore, I still enjoy competing from time-to-time when my schedule permits.

As a Professional Note Finder I carry with me the work ethic, honesty, and integrity that served in my achievements as an athlete.  I firmly believe in doing the best I can for people because it represents who I am as a person.

"Then give to the world the best you have, and the best will come back to you."