If you hold a seller-financed land note in North Texas and want to convert your monthly payments into immediate cash, you're in the right place. North Texas — from the booming Dallas-Fort Worth Metroplex to the wide-open spaces of the Panhandle — represents some of Texas's most dynamic and diverse land markets. Whether your property is in Tarrant County, Collin County, Denton County, or as far north as the Oklahoma border, this comprehensive guide will show you how to sell your note for the best possible price.
North Texas land notes benefit from the region's explosive population growth, diverse economy, and strong property values. Understanding the unique characteristics of this region is crucial to getting the best offer. For a complete overview of the selling process statewide, our comprehensive guide to selling your Texas land note covers the fundamentals that apply everywhere.
The North Texas Land Market: An Overview
North Texas encompasses a remarkably diverse geographic and economic landscape. At its heart lies the Dallas-Fort Worth Metroplex, the fourth-largest metropolitan area in the United States and one of the fastest-growing regions anywhere. But North Texas extends far beyond the Metroplex, reaching north to the Red River and the Oklahoma border, west into rolling plains and ranch country, and east into the Piney Woods transition zone.
The land market in North Texas reflects this diversity. In the Metroplex and its rapidly expanding suburbs, land is in high demand for residential development, commercial projects, and investment. Cities like Dallas, Fort Worth, Arlington, and Plano anchor a region that has attracted millions of new residents over the past two decades. This growth has pushed development outward into counties that were once considered rural, transforming places like Denton, Rockwall, and Kaufman counties into thriving suburban communities.
Beyond the Metroplex, North Texas includes agricultural and ranch land in counties like Montague, Cooke, Wise, Parker, and Hood. Further north and west, the landscape transitions to the rolling plains and eventually the Panhandle, where cattle ranching, cotton farming, and energy production dominate the economy. Each of these sub-regions has distinct land values and market dynamics.
What does this mean for land note holders? Simply put, notes secured by North Texas properties often carry premium value due to the region's strong fundamentals. However, getting the best offer requires working with a buyer who understands this diverse region — someone like Longhorn Money Services with 42 years of experience buying notes across all of Texas.
Counties We Cover in North Texas
Longhorn Money Services purchases land notes in every North Texas county. As a direct buyer with four decades of experience, we've completed transactions throughout this region. Here's a breakdown of major North Texas areas where we actively purchase notes:
Dallas-Fort Worth Metroplex Core: Dallas County, Tarrant County, Collin County, Denton County, and Rockwall County. These densely populated counties represent the economic heart of North Texas. Land notes in these areas often benefit from strong property values and high demand.
Metroplex Outer Ring: Ellis County (Waxahachie), Johnson County (Cleburne), Parker County (Weatherford), Hood County (Granbury), Kaufman County, Hunt County (Greenville), and Grayson County (Sherman-Denison). These counties are experiencing rapid growth as the Metroplex expands, making land notes in these areas increasingly valuable.
Eastern North Texas: Hopkins County (Sulphur Springs), Wood County, Rains County, Van Zandt County, and Henderson County. This transition zone between the Metroplex and East Texas has active land markets driven by retirees, commuters, and recreational buyers.
Western North Texas: Wise County (Decatur), Jack County, Young County, Palo Pinto County (Mineral Wells), Stephens County, Eastland County, and Erath County (Stephenville). These counties combine ranching traditions with increasing commuter appeal.
Northern Tier: Cooke County (Gainesville), Montague County, Clay County, Wichita County (Wichita Falls), Archer County, and Wilbarger County (Vernon). The Red River region has active land markets influenced by agriculture, energy, and cross-border commerce with Oklahoma.
Texas Panhandle: Potter County (Amarillo), Randall County (Canyon), Deaf Smith County, Oldham County, Moore County (Dumas), Carson County (Panhandle), Gray County (Pampa), Hemphill County (Canadian), and surrounding counties. The Panhandle has unique land markets driven by cattle, agriculture, and energy production.
Hold a land note anywhere in North Texas? Get My Offer today — free quote in 24 hours, no obligation, and zero broker fees taking money from your pocket.
Why North Texas Note Holders Decide to Sell
Over four decades of buying notes in North Texas, we've heard every reason imaginable for selling. If you're tired of collecting monthly payments, you have plenty of company. Here are the most common motivations we encounter:
Life Changes: Job relocations, retirement, divorce, or family needs often prompt note holders to cash out. The Dallas-Fort Worth area in particular attracts highly mobile professionals whose circumstances change frequently. Converting a land note to cash provides flexibility during transitions.
Investment Reallocation: The money tied up in a land note could potentially generate better returns elsewhere. Some note holders want to invest in the stock market, real estate, a business venture, or simply keep cash available for opportunities. North Texas's entrepreneurial culture means we see many note holders who want capital for new ventures.
Default Risk Concerns: Carrying a land note means accepting the risk that your buyer might stop paying. Economic shifts, job losses, or personal circumstances affecting your buyer can lead to payment problems. Selling your note transfers this risk and secures your investment regardless of what happens next. Our guide on selling versus foreclosing explores this decision in detail.
Estate Planning: Dividing a land note among heirs can be complicated and contentious. Converting the note to cash simplifies estate distribution significantly. The tax implications of selling should be discussed with your estate planning attorney.
Simplification: Being a lender is work. You track payments, send statements, manage late payments, and deal with property concerns. Many note holders simply want to eliminate this ongoing responsibility and enjoy the proceeds without further obligation.
Urgent Cash Needs: Medical expenses, business emergencies, or other immediate needs sometimes require quick access to cash. Unlike traditional investments, land notes can be converted to cash relatively quickly when you work with an experienced direct buyer who can close fast.
How North Texas Land Notes Are Valued
Understanding what determines your note's value helps you evaluate offers and make informed decisions. Our comprehensive guide to Texas land note valuation covers general principles, but here are factors particularly relevant to North Texas:
Location Within the Region: Where your property is located significantly impacts note value. A note secured by land in booming Collin County typically commands better terms than one in a rural Panhandle county. However, even notes in less populated areas can be valuable depending on property characteristics and other factors.
Proximity to Growth: North Texas is characterized by outward expansion from the Metroplex. Properties in the path of growth — areas where development is moving — often have notes that are particularly attractive to buyers. Today's rural acreage in counties like Wise, Johnson, or Ellis may be tomorrow's suburban development.
Remaining Balance and Terms: The amount owed, interest rate, and payment structure all affect value. Notes with competitive interest rates and reasonable remaining balances typically receive stronger offers. The discount rate applied to your note depends on these factors.
Down Payment and Equity: What down payment did your buyer make when purchasing the property? Higher down payments indicate a committed buyer with skin in the game, reducing default risk and improving your note's value.
Payment History: Consistent, on-time payments demonstrate buyer reliability. Notes with several years of solid payment history — we call this "seasoning" — typically command better prices than newer notes without track records.
Property Type: Residential lots, commercial land, agricultural acreage, and recreational properties are evaluated differently. In North Texas, we commonly see notes on everything from quarter-acre lots in subdivisions to hundred-acre ranch tracts.
Documentation Quality: Having proper documentation for your note is essential. This includes the promissory note, deed of trust, title insurance, and payment records. Review our detailed documents checklist to ensure you have everything ready.
Regional Factors Unique to North Texas
North Texas has specific characteristics that experienced note buyers understand and account for in valuations. Working with a buyer who knows this region ensures these factors are properly considered:
Metroplex Growth Patterns: The DFW Metroplex has expanded dramatically, with development pushing into formerly rural areas. Understanding these growth patterns helps properly value notes on properties in transition zones. A note on 10 acres in southern Denton County today might be worth significantly more than a similar note elsewhere because that area is in the direct path of development.
Energy Industry Impact: The Barnett Shale underlies much of North Texas, and natural gas production has affected land values in many counties. While the boom has moderated, properties with mineral rights or proximity to production areas may have enhanced values that affect note pricing.
Corporate Relocations: Major companies continue relocating to North Texas, bringing jobs and population growth. This sustained in-migration supports strong land values throughout the region, particularly in areas accessible to employment centers.
Lake Properties: North Texas has numerous lakes — Texoma, Ray Roberts, Lewisville, Grapevine, Joe Pool, Granbury, and many others — that create premium land markets in their vicinities. Notes secured by lake-area properties often benefit from recreational demand.
Agricultural Considerations: Outside the Metroplex, North Texas has significant agricultural activity. Cattle ranching, hay production, and crop farming all influence land values. Notes on agricultural properties require a buyer who understands these markets.
Panhandle Dynamics: The Texas Panhandle has unique economic drivers including cattle feedlots, cotton farming, wind energy, and petroleum production. Land values here follow different patterns than the Metroplex, and notes need to be evaluated by someone familiar with this distinct sub-region.
Curious about your North Texas note's value? Get My Offer for a free evaluation. We'll provide a competitive offer within 24 hours based on your specific note and property.
The Selling Process Explained
Selling your North Texas land note is straightforward when you work with an experienced direct buyer. Our detailed step-by-step guide walks through the entire process, but here's an overview:
Step 1: Contact Us with Your Note Details
Reach out with basic information: property location, remaining balance, monthly payment, interest rate, and payment history. Call George at (210) 828-3573 or submit your details through our website. This initial information helps us provide a quick preliminary assessment.
Step 2: Receive Your Preliminary Offer
Within 24 hours of receiving your information, we provide a preliminary offer. This gives you a solid idea of what to expect. Our familiarity with North Texas markets allows us to provide accurate preliminary valuations quickly.
Step 3: Submit Documentation
If you want to proceed, we request copies of your note documentation. This includes the promissory note, deed of trust, and payment history. Don't worry if something is missing — we can often work with title companies to reconstruct necessary documents.
Step 4: Due Diligence
We verify the property, confirm note terms, and complete our evaluation. This typically takes a few days. Because we've purchased many notes in North Texas, we're familiar with local title companies and county record systems, which speeds the process.
Step 5: Final Offer and Acceptance
We present our final offer in writing. If you accept, we coordinate with a title company to handle the closing paperwork. You review and sign documents, often without needing to appear in person.
Step 6: Receive Your Funds
At closing, you receive your payment via wire transfer or check. Most transactions close within 2-3 weeks. For urgent needs, we can often close faster. Check our timeline guide for detailed expectations.
Direct Buyer Advantages: Why Skip the Broker
When selling your land note, you can work with a broker or sell directly to a buyer like Longhorn Money Services. Our detailed comparison explains the differences thoroughly. Here's a summary of why going direct benefits you:
Eliminate Broker Fees: Note brokers charge 2-10% commission on your note's value. On a $75,000 note, that could mean $3,000 to $7,500 less in your pocket. As a direct buyer, we charge zero commissions or fees. Our offer is your payout.
Faster Closings: Brokers must market your note to potential buyers, collect offers, and coordinate between parties. This adds weeks to the process. We make our own buying decisions, allowing us to move faster. Our fee comparison guide illustrates how direct transactions are typically more efficient.
Regional Expertise: We know North Texas markets from decades of experience. A national broker might not understand the value drivers in Parker County versus Collin County, or how Panhandle land differs from Metroplex suburbs. Local knowledge translates to fair, accurate offers.
Personal Service: When you work with us, George Mack handles your transaction from start to finish. You're not handed off between departments or waiting for callbacks from people unfamiliar with your note. See our broker vs buyer overview for more on this difference.
Full Sale vs. Partial Sale: Understanding Your Options
You don't have to sell your entire note. Our full vs partial sale comparison explains both options:
Full Sale: You sell the entire note and receive a lump sum. You have no further connection to the note or property. This is the most common choice for note holders who want maximum immediate cash and complete closure.
Partial Sale: You sell a portion of your payment stream — perhaps the next 60 payments — and receive cash for that portion. After those payments are collected by the buyer, remaining payments revert to you. This option works if you need some cash now but want to preserve future income. Our partial sale guide provides detailed analysis.
The right choice depends on your financial goals, need for immediate cash, and whether you want any continued involvement with the note. We're happy to discuss both options and help you decide what makes sense.
Mistakes to Avoid When Selling Your Note
Our comprehensive guide to common mistakes covers many potential pitfalls. Here are some particularly relevant for North Texas note holders:
Underestimating Your Note's Value: North Texas property values have appreciated significantly. Don't assume your note is worth what it would have been years ago. Get a current valuation from someone who knows today's market.
Ignoring Documentation Issues: If you've moved or your records are incomplete, address documentation gaps early. Missing or incorrect documents can delay your closing. Having your paperwork ready speeds everything up.
Waiting Too Long with Payment Problems: If your buyer has started missing payments, act promptly. Non-performing notes lose value quickly. Explore your options, including selling a problem note, before the situation worsens.
Not Understanding the Market: Review our resources on Texas land note buyers and the discount rates you can expect. Being informed helps you evaluate offers.
Overlooking Tax Planning: Selling a land note has tax consequences. Review our tax guide and consult with a tax professional before completing your sale.
Dealing with Non-Performing Notes
Not every land note performs smoothly. Economic changes, job losses, or personal circumstances affecting your buyer can lead to missed payments. If you have a non-performing land note, you still have options.
Many note holders facing payment problems must decide between continuing collection efforts, initiating foreclosure, or selling the note as-is. Foreclosure involves time, expense, and uncertainty. Our selling vs foreclosing analysis helps you weigh these options.
We purchase non-performing notes in North Texas. The offers naturally reflect increased risk, but selling provides immediate cash and eliminates ongoing headache. You avoid foreclosure costs and complications, getting closure instead of prolonged uncertainty.
Even if other buyers have declined your non-performing note, contact us. With our experience and financial capacity, we often make offers others won't.
Major North Texas Markets: Specific Insights
While we buy notes throughout North Texas, certain areas have particularly active markets:
Dallas: The region's anchor city has diverse land markets from urban lots to suburban acreage. Our Dallas guide covers specifics for note holders in Dallas County and immediate surroundings.
Fort Worth: Fort Worth and Tarrant County have experienced tremendous growth. Western expansion continues into Parker and Hood counties. See our Fort Worth guide for regional details.
Arlington: Positioned between Dallas and Fort Worth, Arlington has a unique real estate market. Our Arlington guide addresses notes in this central Metroplex city.
Plano and Collin County: One of Texas's wealthiest and fastest-growing areas, Collin County commands premium land values. Our Plano guide covers this prosperous region.
Denton and Denton County: College town turned suburban powerhouse, Denton County continues explosive growth northward from the Metroplex.
Wichita Falls: The North Texas gateway to Oklahoma, Wichita Falls and surrounding counties have active land markets influenced by agriculture, energy, and Sheppard Air Force Base.
Amarillo and the Panhandle: The Texas Panhandle has distinct land markets driven by cattle, agriculture, and energy. Amarillo serves as the regional hub, with surrounding counties including active land note transactions.
Have a land note in any North Texas city or county? Get My Offer for a free evaluation. No matter where your property is located, we'll provide a competitive offer.
How to Get Started Today
Ready to explore selling your North Texas land note? The process begins with a simple conversation:
Option 1: Online Quote
Visit longhornmoneyservices.com and click "Get My Offer." Provide your note details, and we'll respond with a preliminary offer within 24 hours. It's free, fast, and creates no obligation.
Option 2: Call George
Call (210) 828-3573 to speak with George directly. He'll answer your questions, discuss your situation, and provide guidance on your note's potential value. Personal attention from someone who knows the business — that's what we offer.
Even if you're just curious about what your note might be worth, we're happy to provide a free valuation. Many note holders request quotes to understand their options, even if they don't sell immediately. There's no pressure, just information to help you make informed decisions.
Why North Texas Note Holders Choose Longhorn Money Services
Over 42 years, we've built a reputation as one of Texas's most reliable land note buyers. Here's why note holders throughout North Texas work with us:
Proven Experience: Four decades of buying notes across Texas means we've encountered virtually every situation. We have the knowledge to handle straightforward transactions and complex situations alike.
Direct Buyer = Better Value: No broker commissions means more money in your pocket. Our offers represent what we pay — no hidden fees or deductions.
Regional Understanding: We know North Texas from the Metroplex to the Panhandle. This regional expertise translates to accurate, fair valuations.
Financial Capacity: With up to $5 million monthly for note purchases, we close quickly and handle notes of any size. You won't hear "we need to find funding."
Relationship Focus: George handles your transaction personally. Questions get answered, concerns get addressed, and you know who you're working with throughout.
Frequently Asked Questions
How quickly can you close on a North Texas land note?
Most closings complete within 2-3 weeks. For urgent situations, we can often close in 7-10 days. The timeline depends on documentation and due diligence, but we work efficiently to get you paid quickly.
Do you buy notes on rural land and ranches?
Absolutely. North Texas has significant rural and agricultural land, and we purchase notes on these properties regularly. Ranch land, farmland, and recreational properties are all within our scope.
What if my property is in a fast-growing area outside the major cities?
Growth corridor properties often have excellent note values due to appreciation potential. We understand Metroplex expansion patterns and factor this into our valuations.
Can you buy a note on commercial land?
Yes, we purchase notes secured by commercial properties including vacant commercial land, small commercial lots, and business property throughout North Texas.
What's the smallest note you'll consider?
We evaluate notes of all sizes. While some buyers won't look at small-balance notes, we consider each one on its merits. If your note is smaller than average, reach out anyway — we may still make an attractive offer.
Do I need to meet in person to complete the sale?
Not necessarily. Many transactions are completed remotely using electronic documents and mobile notaries. If you prefer in-person closing, we can arrange that too.
What happens to my buyer after I sell?
Your buyer continues making payments exactly as before — just to a new payment address. We notify them of the change as part of the closing process. Their obligations don't change.
Are there any upfront costs to get an offer?
None whatsoever. Getting a quote is completely free with no obligation. We'll evaluate your note and provide an offer at no cost to you.
Your Next Step
Selling your North Texas land note is a significant financial decision, but it doesn't have to be complicated. With the right buyer — one who knows the region, moves quickly, and pays fairly — you can convert your payment stream into immediate cash efficiently.
Longhorn Money Services has spent over four decades helping Texas land note holders. We've purchased thousands of notes across all 254 counties, with extensive experience throughout North Texas. From downtown Dallas to remote Panhandle ranches, we understand this region and provide fair, competitive offers.
Whether your property is in a booming Metroplex suburb, a growing Collin County community, a western ranch county, or the wide-open Panhandle, we're ready to evaluate your note and make an offer. Free quote, no obligation, no pressure — just honest assessment from experienced professionals.
Ready to see what your North Texas land note is worth? Get My Offer today — free quote within 24 hours. You could have cash in your account within weeks. Or call George at (210) 828-3573 to discuss your note right now.