Built on Integrity.
Driven by Results.
Mortgage note company offering Note Investing, Purchasing, Intermediating, and Resolution Services.
Find Your PathHow Can We Help You?
We serve Passive Investors, Note Investors, and Seller-Financed Note Holders. Choose your path below.
Passive Investors
Earn passive income backed by real estate
Invest in mortgage notes secured by real property. We purchase discounted notes in the secondary market, work to get them re-performing, and distribute monthly returns to our investors. Starting at $5,000.
Invest →Note Investors
Unlock capital. Scale your portfolio.
Capture new deals by unlocking the liquidity of your note portfolio for fast re-capitalization. Recover your full UPB with clean exits through borrower refinancing.
Liquidity →Seller-Financed Note Holders
Want cash for your seller-financed note?
Turn your seller-financed note into cash. We purchase full or partial notes on residential properties.
Cash Out →Our Story
Creative Note Solutions is a mortgage note company specializing in note investing, note purchasing, and note liquidity services. Founded with the mission of creating win-win outcomes for investors and borrowers alike, we operate at the intersection of real estate finance and borrower advocacy.
We believe that every mortgage note represents a real family, a real home, and a real opportunity. Whether we're helping an investor access the note market or working with a borrower to find a path forward, we approach every transaction with transparency, compliance, and care.
Our Mission
“To facilitate ethical, transparent mortgage note transactions that benefit investors while keeping borrowers in their homes whenever possible.”
Our Values
Integrity
We do what's right, even when no one is watching. Every decision is guided by ethical standards and regulatory compliance.
Compliance
We adhere to all federal and state regulations governing mortgage note transactions.
Win-Win Solutions
We structure every deal to benefit all parties. Investor returns and borrower outcomes are not mutually exclusive.
Open Communication
Clear, honest, and timely communication with investors, borrowers, and partners at every stage of the process.
Our Services
Note Investing
Earn passive monthly income backed by real estate. We purchase discounted notes and distribute returns to investors starting at $5,000.
invest.creativenotesolutions.com →Seller-Financed Note Purchases
Full or partial note purchases on residential seller-financed properties. Turn your note into cash.
cashout.creativenotesolutions.com →Note Investor Liquidity
Recover full UPB to redeploy capital for portfolio diversification.
liquidity.creativenotesolutions.com →What Our Clients Say
“Creative Note Solutions helped me get back on track with my mortgage. They were patient, professional, and actually cared about my situation.”
“I've been investing in notes for years and CNS gave me a compliant path into the market.”
“The monthly distributions are consistent, and the reporting is clear. Exactly what I was looking for in a passive investment.”
“I didn't want to wait 20 more years for payments. CNS bought my note and I had cash in hand within weeks.”
“I had several notes I wanted to sell to free up capital for new acquisitions. CNS facilitated the refinancing on two of them — borrowers got better rates, and I got my full UPB back to deploy into fresh deals within 60 days.”
“I was holding a note on a property with collateral document issues that made it nearly impossible to sell at any reasonable price. CNS worked with the borrower and found a path to a clean exit. I walked away whole — something I didn't think was possible.”
Ready to Get Started?
Whether you're an investor, note buyer, seller, or borrower — we're here to help. Schedule a call and let's talk about how Creative Note Solutions can work for you.
Schedule a Call