Sell Land Note Brownsville Texas: Get Cash for Your Note Fast

If you're holding a seller-financed land note in Brownsville, Texas and you're ready to convert those monthly payments into immediate cash, you've come to the right place. Whether you sold rural acreage in Cameron County, a residential lot near the Resaca, or commercial property along the Highway 77 corridor, Longhorn Money Services has been helping Texas note holders like you for over 42 years. We're not brokers — we're direct buyers with the capital to close your deal in as little as 7 days.

Brownsville sits at the southernmost tip of Texas, where the Rio Grande meets the Gulf of Mexico. This unique border region has seen tremendous growth in land sales over the past two decades, and many of those transactions were seller-financed. Now, thousands of note holders across the Rio Grande Valley are discovering that those future payments can be converted into lump-sum cash today. If you want to understand the complete process from start to finish, our comprehensive guide to selling your Texas land note covers everything you need to know.

Why Brownsville Note Holders Choose to Sell Their Notes

There are dozens of reasons why land note holders in Brownsville decide to sell. After years of helping clients throughout Cameron County and the entire Rio Grande Valley, we've heard them all. Understanding why others have made this decision can help you determine if it's right for your situation.

Retirement planning and relocation. Many Brownsville note holders created these notes years ago when they sold property. Now approaching retirement, they want to simplify their finances. Collecting monthly payments from a buyer in Texas while living in another state — or another country — creates unnecessary complexity. Converting that note to cash eliminates the hassle and provides funds for retirement investments or a new home purchase.

Investment opportunities. The Rio Grande Valley real estate market continues to evolve. Some note holders see better opportunities elsewhere — perhaps a rental property in Houston or a commercial investment in San Antonio. Selling your note provides the capital to pursue these opportunities without waiting years for payments to trickle in.

Medical expenses and family emergencies. Life doesn't wait for your note to pay off. When unexpected medical bills arise or a family member needs financial help, having cash available today matters more than payments spread across the next decade. We've helped countless families through difficult times by providing fast, fair offers on their notes.

Frustration with payment collection. Let's be honest — being the bank isn't always fun. If your buyer has been late with payments, if you're tired of tracking due dates and sending reminders, or if you simply want to stop playing landlord-from-a-distance, selling your note provides an exit. Our guide on why note holders get tired of collecting payments explores this situation in depth.

Business capital needs. Brownsville entrepreneurs often need capital to grow their businesses. That land note sitting in your portfolio could fund inventory, equipment, marketing, or expansion. Converting future payments to present-day cash can accelerate your business growth significantly.

Understanding the Brownsville and Rio Grande Valley Land Market

The Brownsville-Harlingen metropolitan area represents one of Texas's most dynamic real estate markets. Understanding this market helps you understand your note's value and why buyers like Longhorn Money Services are interested in purchasing notes from this region.

Population growth driving demand. Cameron County's population has grown steadily, driven by the region's strategic location on the U.S.-Mexico border, expanding port facilities, and SpaceX's presence at Boca Chica. This growth creates ongoing demand for land, which supports property values and makes notes secured by Cameron County real estate attractive to buyers.

Agricultural and rural land sales. Much of the seller-financed land activity in the Brownsville area involves agricultural tracts, ranchettes, and rural residential lots. Buyers in these transactions often can't qualify for traditional bank financing, making seller financing essential to completing deals. If you sold 5, 10, or 20 acres outside Brownsville with owner financing, you're holding exactly the type of note we purchase regularly.

Cross-border commerce impact. Brownsville's position as a major international trade hub affects the local economy and land values. The Port of Brownsville, multiple international bridges, and billions in annual trade create economic stability that supports the value of land notes in the region.

Development potential. As the Rio Grande Valley continues expanding, land that was rural a decade ago is now in the path of development. Notes secured by properties with development potential often command stronger offers because of the underlying land's future value.

How We Value Land Notes in Brownsville

Every note is different, and our evaluation process considers multiple factors specific to your situation. Understanding how much your land note is worth starts with knowing what buyers examine during the underwriting process.

Remaining balance and payment history. The outstanding principal balance and how consistently payments have been made are foundational factors. A note with a $50,000 balance and two years of on-time payments is more valuable than one with the same balance but sporadic payment history. We review the payment record carefully to assess risk.

Interest rate on the note. Higher interest rates generally mean higher note values because they generate more income for the buyer. If your Brownsville land note carries an 8%, 10%, or 12% interest rate, that works in your favor during valuation.

Down payment made by buyer. What did your buyer put down when they purchased the property? Larger down payments indicate buyer commitment and reduce risk. We've purchased notes with down payments as low as 5%, but notes with 15-20% or more down typically command better pricing. Unlike some buyers who reject low-down-payment notes entirely, we consider them — we just factor the risk appropriately.

Property type and location within Cameron County. The collateral securing your note matters. Is it a residential lot in a subdivision near Brownsville? Agricultural acreage near Los Fresnos? Commercial property along Highway 83? Each property type has different risk profiles and affects valuation.

Remaining term. How many payments are left? Notes with shorter remaining terms are less risky because there's less time for things to go wrong. However, longer-term notes can still command strong offers, especially with good payment history and solid collateral.

For a deeper dive into note valuation, including how discount rates work, see our detailed guide on understanding land note discounts in Texas.

The Direct Buyer Advantage: Why Working with Longhorn Money Services Saves You Money

When you decide to sell your Brownsville land note, you have two basic options: work with a note broker or sell directly to a buyer like Longhorn Money Services. This choice significantly impacts how much money ends up in your pocket.

Brokers add a middleman — and fees. Note brokers don't buy your note. They find a buyer and take a commission — typically 3-5% of the transaction value or more. On a $75,000 note, that could mean $2,250 to $3,750 out of your proceeds. Our detailed comparison of brokers versus direct buyers explains exactly how these fees affect your bottom line.

Direct buyers mean simpler transactions. When you work with Longhorn Money Services, there's no middleman. We evaluate your note, make an offer, and close the deal. No broker negotiations, no commission calculations, no wondering who's really buying your note. Our guide on note broker fees versus direct buyers breaks down the numbers in detail.

Faster decisions and closings. Because we use our own capital to purchase notes, we don't need to shop your deal around to multiple investors. We evaluate, decide, and act. This speed matters when you need cash quickly. Many Brownsville note holders choose us specifically because they want their deal done in weeks, not months.

Experience with Texas notes specifically. We've spent 42+ years buying notes across all 254 Texas counties. We understand Texas real estate law, Texas property markets, and Texas note documentation. That expertise means smoother transactions and better outcomes for you.

The Step-by-Step Process for Selling Your Brownsville Land Note

Selling your land note doesn't have to be complicated. Our streamlined process gets you from initial inquiry to cash in hand as quickly as possible. For a comprehensive walkthrough applicable to notes throughout Texas, see our step-by-step guide to selling your land note.

Step 1: Submit your note information. Visit our website and tell us about your note. We'll need basic information including the property location, remaining balance, interest rate, payment amount, and how long the buyer has been paying. This takes about five minutes.

Step 2: Receive your free quote. Within 24-48 hours, we'll provide a preliminary offer based on the information you submitted. This quote is free, and there's no obligation to accept. It gives you a clear picture of what your note is worth in today's market.

Step 3: Provide documentation. If you like our offer and want to proceed, we'll need copies of your note documentation. This typically includes the promissory note, deed of trust, payment records, and insurance verification. Our guide on documents needed to sell your land note provides a complete checklist. We also have a more detailed version covering all required documents for complex situations.

Step 4: Due diligence and title work. We'll verify the property information, confirm the note status, and conduct title work to ensure clear transfer. This phase typically takes 1-2 weeks, though we can expedite when necessary.

Step 5: Close and receive funds. Once everything checks out, we schedule closing. You sign the assignment documents, and we wire your funds. The entire process from initial contact to cash in hand typically takes 2-3 weeks — sometimes faster for straightforward deals.

Wondering how long it takes to sell a land note in Texas? Our detailed timeline guide explains each phase and what affects the speed of your transaction.

Full Sale vs. Partial Sale: Understanding Your Options

You don't necessarily have to sell your entire note. Partial purchases offer flexibility for note holders who want some cash now while retaining future income. Our guide comparing full vs. partial land note sales explores both options in depth.

Full sale. In a full sale, you transfer the entire note and all remaining payments to us. You receive a lump sum based on the present value of those future payments. This option makes sense when you want to completely exit the note and maximize immediate cash.

Partial sale. In a partial sale, you sell a portion of the payment stream — say, the next 60 months of payments — and retain the back-end payments. This provides immediate cash while preserving your right to future income. Our detailed guide to partial land note sales in Texas explains how this works and when it makes sense.

Which is right for you? It depends on your financial goals, tax situation, and future plans. If you need maximum cash now, a full sale is typically the answer. If you want partial liquidity while keeping some upside, a partial sale might work better. We can structure either type of transaction.

Property Types We Purchase in Brownsville and Cameron County

Over four decades of buying Texas land notes, we've seen every property type imaginable. In the Brownsville area specifically, we regularly purchase notes secured by:

Rural acreage and ranchland. Cameron County and surrounding areas like Willacy and Hidalgo counties contain thousands of acres of agricultural and ranch land. Notes secured by these properties — whether 5-acre tracts or 100-acre ranches — are exactly what we buy.

Residential lots and subdivision properties. Many Brownsville-area subdivisions sell lots with seller financing. If you sold a residential lot with owner financing, we can purchase your note regardless of whether the buyer has built on it yet.

Manufactured home lots. Mobile home and manufactured home communities are common in South Texas. Notes secured by these properties, including the land and sometimes the home itself, are within our buying criteria.

Commercial and mixed-use properties. Industrial parcels near the port, commercial lots along major highways, and mixed-use properties in developing areas — we evaluate all commercial-type notes for potential purchase.

Agricultural land. Citrus groves, farmland, and agricultural tracts have historically been financed with owner financing in the Rio Grande Valley. These notes often carry favorable terms and represent solid collateral.

Special Situations We Handle

Not all notes are perfect. Some have complications that make other buyers walk away. Our experience and capital base allow us to handle situations that smaller buyers can't touch.

Non-performing notes. Is your buyer behind on payments? Has the note gone into default? We buy non-performing land notes in Texas regularly. While the offer will reflect the additional risk, selling a problem note often beats the alternative of foreclosure proceedings.

Low down payment notes. Many Texas land notes originated with small down payments — sometimes 5% or less. Some buyers won't touch these notes, but we consider them. The payment history after origination matters more than the initial down payment in many cases.

Small balance notes. Have a note with only $10,000 or $15,000 remaining? Other buyers might not bother, but we purchase small balance notes throughout Texas. The transaction economics still work when you're dealing with a direct buyer without broker overhead.

Older notes with missing documents. If your note originated years ago and paperwork has been lost, we can often work around documentation gaps. Don't assume your note can't be sold — let us review what you have.

Wraparound or junior liens. Complex lien structures require careful analysis, but we have the experience to evaluate and purchase these notes when appropriate.

Avoiding Common Mistakes When Selling Your Brownsville Land Note

After four decades in this business, we've seen note holders make costly mistakes. Our guide on common mistakes when selling land notes in Texas covers the major pitfalls. Here are the ones most relevant to Brownsville note holders:

Accepting the first offer without comparison. Not all note buyers offer the same price. Get multiple quotes if possible, but make sure you're comparing apples to apples. A broker quote that doesn't account for their commission isn't really higher than a direct buyer's net offer.

Neglecting to gather documents early. The single biggest cause of delays is missing paperwork. Locate your promissory note, deed of trust, payment records, and insurance documentation before you start the selling process. Our document checklist helps you prepare.

Not understanding the discount. Notes sell at a discount to face value — that's how the math works. If you're expecting to receive $50,000 for a note with a $50,000 balance, you'll be disappointed. Understanding how and why notes are discounted helps you set realistic expectations.

Forgetting about tax implications. The sale of a land note has tax consequences. Capital gains, installment sale recognition, and other factors affect your after-tax proceeds. Our guide on tax implications of selling your land note in Texas provides important background, though you should consult a tax professional for your specific situation.

Waiting too long to sell. If you've been thinking about selling for months or years, delays rarely help. Property values can change, buyers can default, and your own circumstances may become more urgent. When you're ready, act.

Why Brownsville Note Holders Choose Longhorn Money Services

You have options when selling your land note. Here's why thousands of Texas note holders have chosen to work with us:

42+ years of experience. We've been buying Texas land notes since before many of our competitors were born. This experience means we've seen every situation, solved every problem, and closed every type of deal. You benefit from that expertise.

Direct buyer with $5 million monthly capacity. We use our own capital to purchase notes — no outside investors to satisfy, no committee approvals to wait for. When we make an offer, we can close. Our monthly buying capacity of $5 million means we're never too busy for your deal.

All 254 Texas counties. From Brownsville to Amarillo, from El Paso to Houston, we buy notes across the entire state. Cameron County is part of our regular buying territory.

No broker fees or hidden costs. Our quote is what you get. No commission to a middleman, no junk fees at closing, no surprises. We're transparent about pricing because we want you as a repeat referral source.

Fast closings when you need them. Standard deals close in 2-3 weeks. When you need faster — due to a deadline, emergency, or opportunity — we can compress the timeline to as little as 7 days. See our guide to selling your land note fast for more on expedited transactions.

Personal service from start to finish. When you call Longhorn Money Services, you reach George Mack — not a call center, not a junior processor, but the founder and lead buyer. That personal attention continues throughout your transaction.

Serving Brownsville and the Entire Rio Grande Valley

Our commitment to South Texas extends beyond Brownsville proper. We purchase land notes throughout the Rio Grande Valley, including:

Cameron County. Brownsville, Harlingen, San Benito, Los Fresnos, Port Isabel, South Padre Island, La Feria, Santa Rosa, and all rural areas throughout the county.

Hidalgo County. McAllen, Edinburg, Mission, Pharr, Weslaco, Mercedes, Donna, Alamo, and surrounding areas. Though a separate metro area, Hidalgo County note holders benefit from the same service.

Willacy County. Raymondville, Lyford, and the agricultural areas between Cameron and Kenedy counties.

Starr County. Rio Grande City, Roma, and the western reaches of the Valley.

We also serve note holders in Laredo, Corpus Christi, and throughout South and Central Texas. Wherever your property is located, we can evaluate and purchase your note.

What to Expect When You Contact Us

Reaching out to Longhorn Money Services starts a straightforward process. Here's exactly what happens:

Initial conversation. You'll speak directly with George Mack. We'll ask about your note — the property, the balance, the payment history, your timeline. This conversation usually takes 10-15 minutes.

Free evaluation. Based on what you tell us, we'll provide a preliminary offer within 24-48 hours. This isn't a commitment from either side — it's a starting point to see if the numbers work for you.

Document review. If the preliminary offer interests you, we'll request copies of your note documents. This is when you'll want to gather the items on our documents checklist.

Final offer. After reviewing your documentation and conducting due diligence, we'll provide a firm offer. This is the amount you'll receive at closing, assuming everything verifies correctly.

Closing. If you accept, we schedule closing. You sign assignment documents (often via mobile notary for convenience), we wire funds, and the transaction is complete. You're done being the bank.

Frequently Asked Questions About Selling Land Notes in Brownsville

How long does it take to sell my Brownsville land note?
Most transactions close within 2-3 weeks from initial contact. We can expedite to 7-10 days when circumstances require. The timeline depends largely on how quickly you can provide documentation and how complex your note situation is.

Will I receive the full balance of my note?
Notes sell at a discount to face value — typically 10-30% depending on various factors. This is standard in the note buying industry. Our offer reflects the present value of your future payment stream, accounting for risk and the time value of money.

What if my buyer has missed payments?
We buy notes with imperfect payment histories, including notes in default. The offer will reflect the additional risk, but don't assume your note can't be sold. Selling often beats the alternative of pursuing foreclosure yourself.

Do you buy notes on all types of Brownsville property?
We buy notes secured by residential lots, rural acreage, agricultural land, commercial property, and more throughout Cameron County. The property type affects valuation but rarely disqualifies a note entirely.

Are there any fees I pay to sell my note?
No. We're a direct buyer, so there are no broker commissions. We cover standard transaction costs. The offer we make is what you receive.

What documents do I need to sell my note?
The essentials include your promissory note, deed of trust, payment history/records, and proof of hazard insurance on the property. We can work with you on other documentation as needed.

Can I sell just part of my note instead of all of it?
Yes. Partial sales allow you to receive a lump sum now while retaining the right to future payments. This option suits note holders who want some liquidity but don't want to completely exit their note.

Why should I choose Longhorn Money Services over other buyers?
We offer 42+ years of Texas experience, direct buyer status (no broker fees), $5M monthly buying capacity, personal service from founder George Mack, and the ability to handle complex situations other buyers reject.

Get Started Today: Turn Your Brownsville Land Note into Cash

You've been collecting payments long enough. Whether you're ready to simplify your finances, need capital for an opportunity, or you're just tired of being the bank, Longhorn Money Services can help. We've helped thousands of Texas note holders convert their future payments into immediate cash, and we can do the same for you.

The process starts with a simple conversation. Tell us about your note, and we'll provide a free, no-obligation offer. You'll know exactly what your Brownsville land note is worth in today's market, and you can decide from there.

George Mack has been buying Texas land notes for over four decades. His experience, combined with our direct buyer model and substantial capital base, means you get the best possible outcome when selling your note. No broker fees, no runaround, no unnecessary delays — just a straightforward transaction with a company that knows Texas real estate.

Don't let another month go by collecting payments when you could have cash in hand. Contact Longhorn Money Services today.