These notes are secured by property in states where foreclosure runs through the courts. A judicial process generally takes longer and costs more than a power-of-sale, and sellers price that timeline in — so judicial-state paper can trade at deeper discounts for buyers comfortable with a slower workout. States that allow both methods are included. Note Central is a marketplace for privately held notes — we are not a party to any transaction and hold no funds; closings are completed with independent professionals. Run your own due diligence and message the seller on the platform.
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