Small Note Pool Sales
A direct buyer for private investors, small funds, and note holders looking to sell mini-pools of residential mortgage notes.
For private investors, small fund managers, note flippers, and portfolio holders, selling a small pool of mortgage notes requires a buyer who understands both the numbers and the nuance of the collateral.
Colonial Funding Group buys small residential mortgage note pools across the United States, including performing, re-performing, sub-performing, and non-performing assets. Whether your pool includes five notes, fifty notes, or a mixed group of assets that no longer fits your strategy, our team can provide a professional review and fair, data-driven offer.
In a market crowded with brokers and middlemen, Colonial Funding Group stands apart as a direct principal buyer. When we commit to a file, we close.
What We Buy
We acquire small residential mortgage note pools across a wide range of asset profiles, including:- Performing residential mortgage notes
- Re-performing loans, also known as RPLs
- Non-performing loans, also known as NPLs
- Sub-performing mortgage debt
- Seller-financed notes
- Private investor note portfolios
- Mixed pools with performing and underperforming assets
- Small-balance residential mortgage notes
- Notes with documentation or seasoning issues
- Partial pool sale opportunities
Our team is experienced in evaluating mini-pools that may not fit the requirements of larger institutional buyers. Some pools are too small for major institutions to prioritize, but too complex for individual buyers to price correctly.
That is where Colonial Funding Group can help.
Built for Private Investors and Small Fund Managers
Small pool sellers are often looking for more than a quote. They need a buyer that can understand the full picture of the portfolio and provide a practical path to closing.
Colonial Funding Group can help sellers who need:
• A direct buyer for a small note pool
• Blended pricing across mixed-performing assets
• A full or partial exit strategy
• A buyer comfortable with underperforming notes
• Review of notes originated under different entities
• Support with older files or documentation gaps
• A clean and professional closing process
• Certainty that the buyer has the capital and experience to close
We understand that small note pools are rarely perfect on paper. Some assets may be performing well. Others may be behind, recently re-performing, or missing pieces of documentation. Our underwriting team is built to evaluate the pool as a whole while still pricing each asset appropriately.
Why Sell to Colonial Funding Group?
Direct Principal Buyer
We are not a broker or platform. You are working directly with the buyer, which helps eliminate extra commissions, unnecessary layers, and delays.
Certain Execution
For over 40 years, Colonial Funding Group has provided reliable exit strategies for residential mortgage note holders. Our team brings more than a century of combined experience in underwriting, valuation, and asset management.
Blended Acquisition Experience
We specialize in evaluating mixed pools. We can price performing assets at appropriate yields while applying distressed-asset expertise to non-performing or sub-performing notes. This gives sellers a practical way to move an entire pool instead of trying to sell each note separately.
Partial Exit Options
In some cases, sellers do not need to sell the entire pool. Colonial Funding Group can review partial sale opportunities, including a specific slice of future payments or a defined group of assets, depending on the seller’s liquidity needs and long-term goals.
Professional Underwriting
We are equipped to evaluate complex files that other buyers may avoid, including notes with unique terms, older origination structures, seasoning issues, documentation deficiencies, or performance challenges.
How the Process Works
1. Initial Submission
Share the details of your note pool with our acquisition team. For small pools, this may include a basic data tape, payment history, collateral details, property information, and any available loan documents.
2. Rapid Valuation
Our underwriting team performs a preliminary analysis and can typically provide a soft quote or Letter of Intent within 72 hours, depending on the size of the pool and the quality of the information provided.
3. Due Diligence
Once pricing is aligned, we conduct a focused review of the collateral file, payment history, title, servicing information, and other relevant documentation. If your files are incomplete or originated under different entities, our team can help identify what is needed to move the sale forward.
4. Seamless Closing
After due diligence is cleared, we fund the transaction and coordinate the necessary transfer steps. We handle the heavy lifting so the closing process is organized, professional, and timely.
Frequently Asked Questions
I have a pool of 10 notes, but a few are underperforming. Will you buy the whole group?
Yes. We specialize in blended acquisitions. We can price your performing assets at appropriate yields while applying our distressed-asset expertise to provide fair value for the non-performing or sub-performing notes in the pool. This allows you to clear your books in a single transaction instead of trying to sell each note separately.
What if my notes originated under various entities or an older framework?
Our team is experienced in reviewing older files, entity changes, and documentation issues. When needed, we can help identify what is required to clean up collateral files and support a compliant transfer of lien.
Do you buy small pools with both performing and non-performing notes?
Yes. We regularly evaluate small pools that include a mix of performing, re-performing, sub-performing, and non-performing assets. Each note is reviewed based on its own performance, collateral, documentation, and risk profile.
How many notes qualify as a small note pool?
Small pools often range from 5 to 50 notes, but we review opportunities based on the quality of the assets, total balance, performance status, documentation, and seller goals.
Can I sell part of my pool instead of the entire portfolio?
In some cases, yes. Colonial Funding Group can review partial exit strategies, including the sale of selected assets or a defined stream of future payments, depending on the structure of the notes and the seller’s liquidity needs.
What information do you need to review a small note pool?
For an initial review, a basic data tape or summary is helpful. Useful information includes unpaid principal balance, interest rate, payment status, property state, collateral type, lien position, borrower payment history, servicing status, and available loan documents.
Do you charge fees to evaluate my pool?
No. Colonial Funding Group is a direct principal buyer, not a broker. We do not charge evaluation fees, commitment fees, or application fees.