Purchasing Mortgages,Trust Deeds, Annuities, Settlements and Lottery Winnings since 1984
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About National Contract Buyers
National Contract Buyers, LLC is a company that is owned and operated by Janette Kurucz. Janette has been purchasing, brokering and closing cash flows since 1990. Janette started working for the largest note investor in the nation, Metropolitan Mortgage, while she was in college. Through hard work and determination Janette quickly worked her way from an entry level position up to senior closer. Janette was the highest producing closer for several years before she decided to join forces with Nick Buschur of Buschur Mortgage to form National Contract Buyers. In 2004, Janette added another dimension
to her skill set by brokering and closing hard money commercial real estate loans.
Janette brings with her an extensive working knowledge of the intricacies of the cash
flow business.
Purchasing and processing cash flows is our only business, it's all we do. If you have any type of cash flow or contract to sell, call the "Cash Flow Specialist," National Contract Buyers, LLC.
We carry a very high volume and because of that we get the best rates from the investors. This allows us to pass the savings on to you. That is why we can say “Nobody beats our prices” and means it! National Contract Buyers has a vast network of private investors.
The company has been purchasing cash flows nationwide since its existence. This is possible because of an expert staff that always goes out of their way to make sure our customers are completely satisfied. All we do is buy cash flows and contracts, it is our business and we pride ourselves on our professionalism and expertise.
We purchase real estate contracts including mortgage notes, trust deeds, mobile home contracts, land and commercial property. We'll help you obtain the cash flow you need quickly and easily! Free quotes on all real estate notes.
» Trust Deeds - Mortgages
» Mobile Home Contracts
» Raw Land Contracts
» Commercial Property Contracts
Do you know someone else receiving cash flow payments from real estate they've sold or an annuity?
» Give them our name & phone number or e-mail address
» Have them call or e-mail and tell us you referred them
» If we buy their payments we will send you $200.00!
Trying to obtian a settlement from an injury? Need fast cash from lottery winnings or judgements? We can help you get the cash flow you need fast from any structured settlement without the hassle or wait.
» Annuities - Injury Settlements
» Lottery Winnings - Judgements
» Business Only Notes
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Real Estate Contracts
what we do
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noteholder's checklist
Dear Noteholder,
When you sold your home or investment property, you decided to carry back a note for the new buyer. Seller financing is a growing business. More people are electing to take back a deed of trust, mortgage, or contract for many reasons:
» Quick sale of the property
» Monthly income from the note
» No hassles of conventional financing such as fees, delays, and strict guidelines
» More qualified buyers
However, circumstances change and many noteholder's would prefer cash today for their future payments. There are a variety of reasons people consider selling their payments for cash:
» Retirement
» Taxes
» Investment opportunities
» Expensive medical care
» Vacation or college tuition
» Unexpected financial changes
» Peace of mind...being free from the worry of receiving late payments or having to foreclose on the buyer
» Accounting nightmares, IRS regulations, and paperwork hassles
and the list goes on...
If it's CASH you need, let us help!
We are in the business of buying land contracts, mortgages, deeds of trust, annuities, and other sources of payments commonly referred to as "notes." We have been assisting people like you for years, providing cash quickly and effortlessly. We represent a nationwide group of investors allowing us to offer top dollar for your owner financed note.
This site was designed to answer questions commonly asked by people considering the option of selling their payments. It also provides important information on maintaining the value of your note.
Why should I consider using your company?
We pride ourselves on:
» Quick closings
» Excellent customer service
» Competitive quotes
» Providing customized options
» Strong financial backing
» Over a decade of experience
» Flexibility on all note purchases
» Credibility in the industry
At National Contract Buyers we provide top rate service combined with the best prices available.
Call us if we can assist you, 1-800-490-0731
How is the value of a note determined?
The value of a note is affected by the down payment, interest rate, payment amount, and term as well as the buyer's credit rating and payment history. The type, condition, and value of the property also impact the value of your note.
The time value of money, which makes payments due now more valuable than payments due in 20 to 30 years, also plays a role in the evaluation process. Generally, due to inflation, money in your pocket today is worth more now than later. All of these elements will be taken into consideration in determining the current value of your note.
How do I maintain the value of my note?
Many of the items that affect the value of your note were determined at the time the property was sold. However, keeping good records of the payments received and requiring the buyer to provide annual proof of current taxes and property insurance will help maintain the value of your important asset.
Can I sell all or part of my note?
We can purchase all or part of your remaining payments. Selling part of the payments allows you to receive a lump sum of cash up front, then payments when the note reverts back to you. We can even pay cash for a portion of each monthly payment.
Many people elect to sell just enough payments to meet their cash needs today and keep some of the future payments as an investment or nest egg. Always ask for an option that meets your needs.
Why is my note worth more now than ever before?
With interest rates down and new buying guidelines, investors are able to pay more now than ever before.
How will selling my note affect the payor?
The payor experiences no change in the way the payments are structured. The only change will be the address where the payments are mailed.
How do I get started?
To start the process of selling your note to us, we request copies of the documents that were originated at the time of your sale:
» Note and deed of trust, mortgage or contract
» Closing statement
» Pay history and current balance
» Previous title insurance policy
» Current hazard insurance policy
We will then give you a firm offer subject to the standard title, appraisal, and buyer's credit review. Once under contract, you will receive your cash as soon as all of the documentation can be obtained. This typically takes as little as 10-15 working days.
Contact us
National Contract Buyers
9803 N. Wieber Drive
Spokane, WA 99208
Phone: 800-490-0731
Fax: 509-323-1522
