Business Details
32 Years
experience
Trusted Real Estate Note Buyers in Montana
Founded in 1994, Big Sky Financial Network has established itself as a premier buyer of real estate-secured notes and contracts across the Intermountain West. Our expertise lies in providing fast, confidential transactions for owner-financed promissory notes, trust deeds, and land sale contracts. With a focus on first-position liens, we specialize in converting private real estate payments into lump-sum cash for sellers meeting strict underwriting criteria. Our founder, Jim Holmes, brings decades of entrepreneurial experience to ensure transparent, ethical dealings that prioritize client needs.We serve properties in nine western states, maintaining rigorous standards for property condition, buyer equity, and payment history. Our streamlined process eliminates middlemen, offering direct collaboration with sellers or their authorized representatives. Backed by glowing client testimonials, we combine industry knowledge with personalized service to deliver maximum value. Our commitment to prompt communication and meticulous attention to detail has earned us a reputation for excellence in a niche market requiring specialized expertise.
Services
Real Estate Note Purchases
Contract Buyouts
Promissory Note Valuation
Wrap-Around Mortgage Solutions
Owner-Financed Property Consultation
Details
- Year established: 1994
Highlights and features
- We've specialized in real estate note purchases since 1994
- Our team returns calls and emails promptly
- We guarantee no hidden fees or out-of-pocket costs
- We serve nine western U.S. states with local expertise
- We offer confidential transactions with no middlemen
What people say
Excellent service
Prompt replies
Thorough explanations
Painless transaction
Professional handling
Services
Real Estate Note Purchases
We specialize in purchasing first-position and wrap-around second-position real estate notes secured by residential and commercial properties. Our process converts long-term payments into immediate cash while maintaining strict underwriting standards for property equity and buyer creditworthiness. Transactions typically close within 2-3 weeks with all closing costs covered.
Contract Buyouts
We acquire land sale contracts and owner-financed agreements meeting minimum equity requirements. Our services include evaluating contract terms, determining market value, and providing lump-sum payments for contracts secured by improved properties in nine western states.
Promissory Note Valuation
We offer free instant cash offers for promissory notes based on detailed analysis of payment history, property condition, and market value. Our valuation process considers loan-to-value ratios, buyer credit scores, and neighborhood characteristics to determine fair market price.
Wrap-Around Mortgage Solutions
We provide specialized acquisition services for wrap-around mortgages requiring minimum 10-20% equity. Our solutions include evaluating existing liens, calculating current market value, and structuring transactions that satisfy both seller liquidity needs and investor requirements.
Owner-Financed Property Consultation
We offer expert guidance on creating marketable owner-financed notes with optimal terms. Services include advising on down payment requirements, interest rate structuring, and documentation practices that maximize future cash-out potential when selling notes.
People
Jim Holmes
Founder / Owner
Jim Holmes founded Big Sky Financial Network in 1994 after building a successful wholesale distribution business. With over 25 years of real estate note purchasing experience, he specializes in creative financing solutions and note valuation strategies.
Questions
What types of real estate notes do you purchase?
We buy first-position and wrap-around second-position promissory notes secured by residential and commercial properties in nine western states, requiring minimum 10-30% equity depending on property type.
How quickly can transactions close?
Most transactions close within 2-3 weeks. We require complete documentation and property information to expedite the process without compromising underwriting standards.
What payment history requirements exist?
We require all payments to be current with no more than 1-2 late payments in the past year, depending on property type and equity position.
Do you work with note brokers?
No, we only work directly with note holders, their attorneys, or authorized representatives. We do not accept referrals from note brokers or finders.
What property types qualify?
We accept single-family homes, mobile homes with land, duplexes, apartment complexes, commercial properties, and improved land parcels meeting minimum equity and condition requirements.
