Webinar Replay: The Looming, Blooming, and BOOMING Note Market Webinar

Presented by Donna Bauer

When: Wednesday, May 10th at 7:00 pm EST


During this webinar, many attendees said that just six hours earlier the Federal Housing Financing Association (FHFA) had rescinded the rule I was discussing. THAT IS NOT THE CASE!

The rule that I discuss in this video has been in full force and effect since May 1, 2023 and has not been rescinded.

There were three parts to the new rules that came out:
1)  Borrowers with credit scores of 680 or higher will be penalized with higher interest rates and fees
2)  Buyers with down payments of 15-20% will pay higher fees
3)  Borrowers with debt-to-income (DTI) ratios of greater than 40% will have to pay upfront fees

ONLY the DTI rule has been rescinded, which has nothing to do with seller-financed notes, anyway!

The FHFA had delayed implementation of the rule until August 1st because of overwhelming pushback from the Mortgage Bankers Association and other industry professionals who rightfully claimed the rule was not workable and would destroy sub-prime lending.  It’s pretty obvious to understand that if someone has a debt-to-income ratio of greater than 40%, the likelihood that they will have cash to pay upfront fees is slim.

In summary, while it is very unfortunate that borrowers with great credit scores and cash for down payments will continue to be penalized, the silver lining in all of this is that we will see a tremendous increase in seller-carryback mortgages for us to buy.  The seller-carryback market will be booming!




Retraction: On a separate matter, It has been called to my attention that my data for current inflation rates was incorrect. I’m not sure if it was me or my source, but either way, please know that inflation rates are not as high as I mentioned and have actually declined in the past two months, which is great. I apologize for the misinformation.


Hosted By Donna Bauer

The Original NoteBuyer®

Donna is the recipient of the 2012 Jon Richard’s Educator of the Year Award for “Excellence in Note Buying Education and Training.”

She also received the coveted 2014 Noteworthy Industry Achievement Award for “Many years of sharing expertise in the note buying industry with all who ask.”

 To get my new Online Academy and Legacy Training for just $997:

  1. Add the product to your cart: https://thenotebuyer.com/product/the-notebuyers-online-academy/
  2. Click the blue banner at the top of checkout, add coupon code “BLOOM” w/out quotes, and click Apply coupon
  3. Enter your payment details, confirm the $997 total price, and click Place order

We’ll send you an email with details to log in and access the Online Academy and Legacy Training.

This $997 price is good through May 19th, 2023!

What Was Covered?

Two of the most frequent questions I’ve been asked recently are:

  1. How are the changes in the real estate and mortgage markets affecting the note market?
  2. Are there enough notes on the market to get started flipping or investing in notes?

If either of these questions has you on the fence with note buying, then you will absolutely not want to miss next Wednesday’s webinar.

I was shocked and dismayed at this latest change in Fed rules whereby people with credit scores of 680+ and high down payments would be penalized with higher interest rates and fees in order to help cover losses from high-risk subprime loans.

This policy will wreak havoc in the mortgage lending industry and dramatically hurt an already struggling market.

Nonetheless, there is a silver lining to this nonsense.

I have seen this same story play out over the last 35 years every time rates go up. The seller-carryback market has already been on the rise for the past year, but it is going to explode.


People are forced to carry back mortgages in order to sell their house, and they don’t want to wait for their money. This creates an awesome opportunity for us.

If you have been sitting on the sidelines, then you are missing out. The influx of seller-carryback notes is already here and it’s just going to keep getting better.

So whether you want to create notes, flip notes, or invest in notes, join me on this webinar for the latest scoop.