Trust Deed Investments

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Making Your Money Work for You

Purchasing a Note and Deed of Trust
Why a Trust Deed Investment?
Approving a Borrower
Approving a Property
Protecting Your Money & Your Privacy

Risks


Penalties & Late Fees for Late Payments
Selling a Note and Deed of Trust
"What is the value of my Note?"
Acceptable Notes
Would you like to sell your Note and Deed of Trust?
Click here to see how.
Purchasing a Note and Deed of Trust
  Investing in Notes and Deeds of Trust is a compliment to most investment portfolios.
  • Trust Deed investments can earn more interest than many other investments.
  • Most Trust Deeds are in first lien positions.
  • Most Trust Deeds have regular monthly payments.
  • Each Trust Deed is secured by real property in Arizona.
  • Trust Deeds are suitable for IRAs and other retirement accounts when you have a qualified custodian. Many private pensions, family trusts, and corporate organizations purchase trust deeds from Cattlemen’s Mortgage.
  • Each Deed of Trust is title insured.
  • All Trust Deeds are independently serviced by independent title or escrow companies.

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Why a Trust Deed Investment?

Cattlemen's Mortgage offers Trust Deed investments with interest rates above prevailing market rates. Some borrowers are willing to pay slightly higher interest rates for fast loan decisions and fast funding. Typically the borrower has a short term need, and is therefore willing to pay a higher rate.

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Approving a Borrower:
Cattlemen’s Mortgage originates Trust Deeds with borrowers who are referred to us from our advertising efforts or by local lenders (such as banks and mortgage companies) when borrowers do not qualify for conventional loan programs. Each borrower is screened to determine ability their to pay and adequacy of collateral.

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Approving a Property:
Each property is evaluated by a member of our staff. Market value is determined either by comparable sales in the immediate area or by appraisal. Further analysis of the property includes marketability, resale time, and acceptable risk relative to area growth, condition, and location.

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Protecting Your Money and Your Privacy:
When originating a Trust Deed, a title commitment is obtained and a title insurance policy is purchased in the amount of the Trust Deed, ensuring that you, the investor, have a good, marketable lien on the property.

When purchasing a Trust Deed, you make your purchased check payable to an independent title company. The borrower makes scheduled payments according to the terms of the promissory note to an independent servicing agent, who in turn sends the payment to you.

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Penalties and Late Fees for Late Payments:
Our Trust Deeds have a penalty for late payments. If the borrower’s payment is more than 10 days late, the borrower incurs a late charge, typically at a rate of 25% of the payment. Further, if the borrower fails to make a payment for more than 30, days the interest rate accelerates to a higher default rate unless prohibited by law.

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For more information on becoming an investor, call 602-230-9393.
Selling a Note and Deed of Trust

"What is the value of my Note?"

The value of a Note is highly dependent upon the following factors:

  • Amount of cash flow (payments)
  • Frequency of payments
  • Remaining term of the Note
  • Loan to Value
  • Lien position

Because each Note is a unique transaction, it is important for us to read the original terms of the Note you wish to sell and to complete a property profile.

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Acceptable Notes

We buy Notes secured by real property in Arizona. Properties include single family residential, land, churches, commercial properties, apartments, subdivisions, condominiums, and residential lots.

  • The Note must be seasoned for a minimum of six (6) months.
  • Each Note must have regular monthly, quarterly, or annual payments.
  • The maximum Loan to Value may not exceed 70% of the market value of the property.
  • We do not accept Notes secured by anything other than real property. For example, we do not accept loans secured by business property or equipment.

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We buy and sell Deeds of Trust and Promissory Notes
We are direct buyers of Notes and Deeds of Trust. Want to sell your Deed of Trust and Promissory Note? Need a fast, fair quote? Fill in the form below and we will contact you in 24 to 48 hours. Please provide as much information as possible to help us better serve you.
Quotes are based on information provided and are subject to change.
Contact Information
Company:
(if requesting on behalf of a company)
Contact Name:*

Phone:
E-mail:*
Best time to contact:
Preferred method of contact:
Property Information
(If no physical address, provide parcel number and/or legal description)
Street Address:
City:*
State:
Zip:
Parcel Number:
Legal Description:
Note Details
Sales Price of Property:
Original Date of
the Note:
Original Principal
Balance:
Current Balance:
Interest Rate:
Principal
and/or Interest
Payment:
Payment Frequency:
Original Term of the Note
(in months or years):
Is Note serviced by a Title Company?:
If so, what company?
Borrower pays taxes & insurance in addition to the monthly payment
Other information to be considered:
* Indicates a required field
Privacy Notice
In the course of our business with you, we collect information about you that is necessary to provide you with our products and services. We treat this information as confidential and recognize the importance of protecting it. We value your confidence in us. For the complete Privacy Notice, click here.
 

We pay all escrow fees and transfer costs. In most cases you will receive your money in 10 days or less.

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