USA Main Street purchases qualifying seller-financed and owner-financed mortgage notes secured by properties throughout California. We also evaluate eligible land contracts and deeds of trust from note holders who want a lump-sum cash payment instead of receiving monthly payments over time.

Each note is evaluated based on its payment history, interest rate, unpaid balance, remaining term, property value, borrower information and overall risk. Because every mortgage note is different, all purchasing decisions and cash offers are handled on a case-by-case basis.