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10 result(s) displayed (1 - 10):

January 06, 2012

Promissory Notes

Promissory notes are needed to document details about financial transactions. They are used to provide lenders with legal records that can be used as evidence in court if borrowers default on loan terms.

Promissory notes are used with most kinds of loans, including personal, business, auto, and real estate. They can be used by family members, friends, business partners, mortgage lenders, auto financing companies, credit card companies, or any other person or entity that extends credit.

People can create their own document by making use of preformatted promissory note templates or using online services such as those offered at LegalZoom. Of course, it's always a good idea to have a lawyer review forms to make certain they are legally binding in the event of loan default.

Real Estate Investing article on "Promissory Notes "

January 14, 2011

IOU Note

An IOU note is commonly used to record the promise to pay a debt. This document can be used amongst family and friends and when borrowing money from a bank or credit union. When banks issue IOU notes, the document is referred to as a promissory note.

The IOU note records pertinent information about the loan. It should include the names and contract information for the borrower and lender, total amount of funds borrowed, installment amounts and dates, interest rate, and maturity date. Financial institutions usually include a default clause which states what action will be taken if borrowers default on the loan agreement

Real Estate Investing article on "IOU Note "

October 16, 2010

Virgin Money

Virgin Money is part of the Virgin-empire created by Sir Richard Branson whose entrepreneurial spirit has created 360 companies during his lifetime. Virgin Money offers a unique 'social loans' program where friends and family can fund personal loans.

Virgin Money is not a bank, but does offer personal financial products including credit cards. In January 2010, Branson purchased Church House Trust, a small private bank, which will eventually allow Virgin Money to offer real estate mortgages and personal checking and savings accounts.

Real Estate Investing article on "Virgin Money "

November 10, 2009

Mortgage Note

A mortgage note is used when individuals purchase real estate by obtaining a loan through a lender. Mortgage notes contain information regarding the real estate transaction such as principal sum, interest rate, length of the note, monthly payment amount, prepayment penalties and stipulations of how the property is to be used; e.g.; primary residence or rental property.

A mortgage note can be sold to mortgage buyers in exchange for a lump sum cash payment. Multiple reasons exist to sell mortgage notes. The most common is to obtain quick cash to get out of debt, college tuition, or use funds for real estate or financial investments.

Real Estate Investing article on "Mortgage Note"

July 21, 2009

Mortgage Buyers

The term 'mortgage buyers' refers to investors who purchase monetary notes such as mortgages, promissory notes, land contracts and trust deeds. Individuals who own monetary notes can sell them in whole or part in exchange for a lump sum of cash.

When mortgage buyers purchase real estate notes and land contracts, the note holder assigns ownership rights by executing an assignment of mortgage. Typically, a real estate lawyer is required to execute the document and ensure both parties are legally protected in the event of default.

Real Estate Investing article on "Mortgage Buyers"

December 01, 2008

Cash Flow Notes for Sale

Investing in cash flow notes for sale can provide investors with a relatively secure investment opportunity. There are numerous types of cash flow notes including business notes, real estate notes, land contracts, owner will carry financing, and structured settlements.

All types of real estate can be backed with cash flow notes for sale. In fact, realestate notes are the most common type of cash flow note investment. Property owners can sell their real estate holdings in whole or part, using the property as collateral with promissory notes.

Real Estate Investing article on "Cash Flow Notes for Sale "

August 02, 2008 Investors Education Resource. is the brainchild of prominent real estate investors, J.P and Terry Vaughn. J.P. Vaughn possesses 20 years of real estate investing experience and is the author of "How to Buy Your Dream House for 1/2 Price." Terry Vaughn has been involved in real estate investing since the mid-70s. He has taught more than 30,000 people how to succeed in the real estate game. Terry's popular home study course, "Paper into Gold", teaches investors how to achieve guaranteed income for life buying and trading real estate notes.

Together, their pooled knowledge makes one of the most highly-respected and frequently visited real estate investing websites. Creative Real Estate Online is a one-stop shop for anyone interested in learning the benefits of real estate investing. From novice to seasoned investors, provides solid, up-to-date information on the ever-changing real estate market.

Real Estate Investing article on " Investors Education Resource."

May 09, 2008

Seller Carry Back Mortgages

Seller carry back mortgages are an agreement where a property owner provides financing to a buyer. The owner may finance the entire amount or a percentage of the purchase price. If the seller finances a percentage, the balance is usually financed through an assumable mortgage.

Engaging in seller carry back strategy can be beneficial to both seller and buyer. The seller benefits by being able to sell his property quickly and the buyer benefits by being able to purchase property he might not otherwise have been able to finance.

Real Estate Investing article on "Seller Carry Back Mortgages"

October 03, 2007

Real Estate Notes

Real estate notes are legal documents used to assign buyer rights and record details of the transaction. Also known as "real estate receivables," these documents are created when a piece of real estate or land is sold. It could be a mortgage note, land contract, or contract sale where the buyer makes cash payments directly to the seller.

In essence, real estate notes are used as collateral and to document the promise to pay the note. They are frequently used along with mortgages and aide in the financing of real property. They are almost always used when the seller offers seller carry back financing. In this type of real estate transaction the seller carries a portion or the entire amount of the loan. The buyer pays the seller a down payment and the balance is paid in installments.

Real Estate Investing article on "Real Estate Notes"

September 07, 2007

Types of Promissary Notes

Promissary notes are legal contracts used in nearly every transaction where money is borrowed. It is a written promise by a borrower to pay a specific amount of money over a set period of time. Oftentimes an interest rate is charged on the borrowed funds, but this is not always the case.

A typical promissary note includes the terms and conditions of the loan. It documents the amount of the loan, what the loan is for, interest rate, late payment fees, frequency and amount of installments, and provisions if the borrower defaults on the loan.

Real Estate Investing article on "Types of Promissary Notes"