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Why do note buyers spend days for Title check?

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Note buyers spend days for title checks because verifying the title is a critical step in the due diligence process when buying real estate notes. Ensuring that the title is clear and free from any legal issues or encumbrances is essential to protect the buyer's investment and avoid potential legal complications in the future.

Traditionally, note buyers perform a title check and request a BPO report after the bid has been declared victorious at the auction. Why? The fact is that it requires time and money costs, and why bear them if you do not become the future owner of this debt.

What does the existing approach lead to - a bid first, a due diligence later?

Most often, this leads to the fact that the buyer loses in the auction, because he cannot objectively assess the quality of the notes. And it has to discount an offer. Or maybe the downside is that the price is too high, and when checking it is revealed that, for example, this property has a large tax lien. Then the deal just falls apart.

An innovative solution from Data Tree

American Title presents an innovative solution for checking real estate objects - Data Tree. The report, which is uploaded at the click of a finger, allows debt buyer to speed up the verification process and reduce the risks when buying. What parameters are matter to note buyers that they can find in the report? Property Details, Open Liens, Title Holders, Prior Loan History, Ownership History, Tax Obligations, Listing History, BPO and Comparability. Market trends in this particular area.

Picture 1. Example of a report on a real estateobject.

The use of such reports allows note buyers to reduce the decision-making time to several minutes when analyzing a real estate note. 

Data Tree reports are now available for Debexpert members. Now note buyers can receive one-stop-shop service: review notes listings, review Data Tree reports, bid and close deal! 

This new offer received high ratings from Debexpert customers and has helped buyers make informed decisions at three auctions already. 

Debexert is a fintech solution that helps lenders sell their debt portfolios to a nation-wide base of debt buyers. Transactions are performed via an end-to-end encrypted platform that is available via desktop or mobile app. 

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Why do note buyers spend days for Title check? | Debexpert
Written by
Ivan Korotaev
Debexpert CEO, Co-founder

More than a decade of Ivan's career has been dedicated to Finance, Banking and Digital Solutions. From these three areas, the idea of a fintech solution called Debepxert was born. He started his career in  Big Four consulting and continued in the industry, working as a CFO for publicly traded and digital companies. Ivan came into the debt industry in 2019, when company Debexpert started its first operations. Over the past few years the company, following his lead, has become a technological leader in the US, opened its offices in 10 countries and achieved a record level of sales - 700 debt portfolios per year.

  • Big Four consulting
  • Expert in Finance, Banking and Digital Solutions
  • CFO for publicly traded and digital companies



Who holds a mortgage note?

The mortgage note is the legal document that proves ownership of the mortgage loan to the lender or investor. A mortgage-backed securities investor is one potential buyer of a note that has been sold by the original lender. Payments due from the borrower are to be made to the note holder, who may also opt to sell or transfer the note to another person. The capacity to collect mortgage payments or foreclose in the case of default is dependent on the lender's ability to track down the note's current holder.

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