First National Acceptance Company


Professional, friendly, experienced and committed to helping you obtain the best offer out there are just a few reasons why we’re the leading direct note buyer since 1974.  We strive to deliver a superior transaction experience each and every time.

Professional, friendly and experienced – Don’t just take our word for it!

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What Our Clients Say...

Real words from real customers!
  • "We worked with Ashley Smith, who was professional, patient and friendly throughout the entire process. She addressed all of our concerns and kept us updated. FNAC held true to what they told us, as we received exactly the amount we were quoted...absolutely no hidden costs or fees. We would strongly recommend FNAC and Ashley!"
  • "You deserve more than 5 stars, but that is the maximum. I just can't say enough about my experience with Rebecca Perry and First National Acceptance Company. Rebecca called me about every other day to let me know how things were proceeding and lead me every step of the way with what I needed to do. What great customer service and the offer I accepted was very fair. At the closing, I received exactly the amount I was told. Absolutely no hidden costs or fee. I was very pleased with it all. Thank you very much Rebecca and First National Acceptance Company. You are absolutely GREAT!"
  • "We recently finished working with Mr. Josh Matties, a loan acquisition officer at First National Acceptance Company in East Lansing, MI. We would like to compliment and give the highest marks possible to Mr. Josh Matties and all of the staff personnel. Amazing company to work with! They are honest and hard working, very quick turnaround and we could not be happier with our second experience with them. Thank you very much for the very professional and efficient 5 star service. We definitely recommend Mr. Josh Matties."

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Sell Mortgage Note Reviews

Sharon WarrenSharon Warren
22:24 17 Aug 23
I approached First National about selling a mortgage note that I held and, from the first contact with Aylana to receiving my check, the process only took about 35 days. Being unsure of such things, I was a little skeptical at first but was re-assured with each step in the process and the professionalism with which things were handled. The best part was receipt of my proceeds in one business day after signing. Thank you, Aylana and your associates, for making my life a little bit easier.
Gerald MillerGerald Miller
02:06 08 Aug 23
They took care of all the paperwork the agent was very informed and kept us up òn everything during the process very happy
Angela RaganAngela Ragan
18:08 07 Aug 23
Worked with Rebecca Perry, Acquisitions Retail Analyst. She is amazing and helped me understand unfamiliar processes. Rebecca is so easy to work with and I would recommend FNAC and Rebecca. She is a 5 star plus... Helped us in accomplishing what we needed to accomplish and in a timely manner. Thank you!
David EmmettDavid Emmett
14:11 31 Jul 23
Excellent experience. Tammy was always professional and timely and facilitated the whole process like a pro.
Bill RaddatzBill Raddatz
15:22 28 Jul 23
Your service was professional. You beat your competitors offers. You answered all of our questions. We received the transaction proceeds quicker than we anticipated. We highly recommend you. Thank you!
Alberto LopezAlberto Lopez
22:02 09 Jun 23
Just closed another back end partial with FNAC. They've always worked quickly but I was surprised at how fast they were able to close this one. They funded day after they received signed document from the note seller.
alex robertsalex roberts
16:32 04 Jun 23
We had a smaller note, which I know can be an issue for investors, but First National (Jeff) was great to work with and kept us informed every step of the way. Thank you for a great experience. I highly recommend First National Acceptance Company!
20:43 01 Jun 23
I had a great experience with FNAC, especially Tammy. My file was picked up by Tammy and she did a great job from start to finish keeping me updated and staying on top of the file.Very smooth process, once we got the green light I was funded the same week.As far as the offer: I got a few offers for my land contract and these folks blew them out the water. Highly recommend anyone to go with first national!
Lynette GarnerLynette Garner
14:15 08 May 23
John Webb was fantastic! I was skeptical at first, being a licensed Realtor for almost 30 years, I kept waiting for "the catch". But there wasn't one! The process was quick, smooth, and my funds were wired to me just hours after signing the paperwork. I would highly recommend using FNAC and John Webb for anyone looking to sell their note. Asheboro, NC
Jesse TyndallJesse Tyndall
14:01 17 Apr 23
What a great experience! Tammy T. was very helpful with the process. With every phone call we made with questions she was very professional and helped with all our needs. It was a quick and very easy process. We would highly recommend! Thank you so much!
Vicki WebbVicki Webb
15:15 29 Mar 23
Closing from start to finish in less than 2 weeks! I have worked with First National Acceptance Company a number of times and each closing was quick and very professional. I highly recommend this company! Rachel and Alayna are great to work with!
John Del ToroJohn Del Toro
22:33 15 Mar 23
Tammy did an outstanding job with every aspect of our transaction. We will definitely work with her and the entire First National Acceptance team with our future needs. Thank you
Scott ThibaultScott Thibault
16:18 27 Feb 23
I had the pleasure of working with Rebecca to sell my land contract and the transaction couldn't have gone smoother. In less than a month, Rebecca was able to help me sell my contract with no hiccups. Her expertise and attention to detail made the entire process effortless on my end.
Barry SBarry S
21:01 20 Feb 23
Everything from start to finish was perfect. The team at FNAC tik care of everything and completed the whole process in about 3 to 4 weeks. I wouldn't work with anyone else for the sale of a property contract. We worked with Deanna and Brennan and it could not have gone any smoother.
Greg HoogerwerfGreg Hoogerwerf
17:33 31 Dec 22
We had an extremely smooth experience selling a mortgage to FNAC. Tammy Terres was patient, kind and always available to answer weeks of questions from us! When we finally made a decision, the closing was quick and painless. I had also contacted several other companies to get comparable offers, but FNAC got our business and we have had no regrets.
M delaLuzM delaLuz
13:42 31 Dec 22
This process was fast and easy. The agent did everything to accommodate me. The price paid to me was fair, I suppose. It took away a big headache for me. Thank you.
Glennda FarberGlennda Farber
23:44 19 Dec 22
Our transaction moved flawlessly. Alayna and Marisa where adelight to work with. Thank you so much
Keli ChevalierKeli Chevalier
12:22 30 Nov 22
John Webb was my agent for a note sell. I mostly appreciated how he stayed in communication with me via emails and phone calls to keep me updated on the process. Their fees were fair and what I expected. Also, closing was actually fun. John had organized everything so closing was quick and easy. I will certainly use them again.
Kelly CookKelly Cook
16:16 07 Jul 22
Joseph was very professional and helpful. I appreciated his quick responses to my questions and thorough explanation of the process. The paperwork is simple and short!
Paula WilcoxPaula Wilcox
20:07 15 Jun 22
Very helpful and easy to use. Communication was top notch, would recommend them to anyone and everyone. Special kudos to DeeAnn Wisely, she helped guide me through the entire process.
Phil PrickettPhil Prickett
13:19 07 Apr 22
I sold the note on my lake lots that I had done an owner financing on. They offered me a fair price and made the whole process fast and easy. They even sent a mobile notary to my house for the closing. I would highly recommend this company.
Rennae WardRennae Ward
19:54 01 Feb 22
I worked with Joe Watters. He was great. He kept me updated with things and worked diligently to get the title company to get their act together. Our was a bit complicated because there were three of us that owned the contract and each of us live in different states. He even worked with our attorney who drew up the original contract. Selling this note was easier that buying a house. Thanks Joe!
Mike KearbyMike Kearby
23:07 20 Dec 21
I had an opportunity to work with Joshua Hamilton at First National Acceptance Co and must say everything went much better than I could hope for. Everything was handled online (except for the Title signing which was done at our home) and Joshua was always quick to send receipt and thanks of documents. We even closed about three weeks earlier than expected. This is a great, honest company to do business with and Joshua made it all worth our while.
Bill BarefootBill Barefoot
13:52 12 Nov 21
Great Job, very good to work with, very timely and better than expected on funds transfer.
Jeff GreenbergJeff Greenberg
18:15 01 Oct 21
Super quick closing.Fair pricing.Very professional staff.
What a seamless process!! Joe Watters was great to work with! In fact we had what we thought was a sticky situation and Mr. Watters was patient and oh so helpful in guiding us through the process he is truly a professional. Thank you for reaching out to us by mail. We will definitely recommend you to our family and friends.
SNL PropertiesSNL Properties
12:38 03 May 21
Our experience selling our mortgage note to FNAC was excellent, Mrs. DeeAnn went above and beyond to get everything together to close earlier than our initial closing date, and I highly appreciate that. She was very responsive and kept us on track during the entire process, their offer was fair to us, and the process was explained to us and relatively easy. In addition, I was amazed by the fact that Mrs. DeeAnn started processing our wire transfer to close our transaction during the closing, and the money was on our account within a couple of hours after leaving the closing table. Thank you so much, Mrs. DeeAnn, you rock :).
Jay FrazierJay Frazier
11:43 30 Apr 21
Joe Barnes is truly a professional. He worked with me every step of the way and made it easy. I highly recommended this company if you are looking to sell your mortgage note.
Louis BelcaroLouis Belcaro
12:54 10 Apr 21
Very professional, all the details were explained. A smooth transaction. I definitely recommend this company.
Russell RicksRussell Ricks
11:51 09 Apr 21
This is the second land contract I have sold to this company in the last year and a half. I cannot say enough good things about my experiences. Closings on both transactions were around 30 days after I received their offer. There is no pressure whatsoever. They are helpful, friendly people and very fair in their offer. I would highly recommend them.
steven holleysteven holley
13:06 19 Mar 21
FNAC is very easy to work with from beginning to end. Ayla Wray and John Webb always responded quickly and friendly. Very professional process.
Derek RobinsonDerek Robinson
19:25 08 Mar 21
I've sold several notes to First National. I always have a great experience! Terms are always fair, communication throughout the entire process is great, and their turn around time is very quick.
Mary Ellen BouwkampMary Ellen Bouwkamp
12:03 06 Mar 21
Had a great experience using this company. DeeAnn was very communicative. We had to travel out of state prior to closing but DeeAnn arranged for the closing to come to us. EASY and smooth! Money to account in 24 hours!
I was impressed by the professionalism and all the work they did to get things accomplished on this transaction. Thanks!
Jack FranklinJack Franklin
12:53 11 Dec 20
We were extremely pleased with the speed and simplicity of the entire process.DeeAnn went out of her way to ensure that everything went smoothly.Thanks FNA!
Dennis WagnerDennis Wagner
13:12 04 Dec 20
I was very pleased with service I received from Beth Sanford at First National . It was a very smooth and fast transaction. I would highly recommend First National to anyone wanting to do a note buy out.
Joel FrankJoel Frank
18:02 26 Nov 20
Beth Sanford is excellent at guiding you through what could easily be a daunting transactional experience. There was a lot of necessary back and forth but through it all, her patience, due diligence and professional aptitude was up to the task and made sure this deal happened with little complication and no complaints. Kudos!
Raymond PattersonRaymond Patterson
22:56 11 Sep 20
It was a pleasure working with you guys. Thanks for your patience and professionalism.
13:01 11 Sep 20
Rebecca Perry handled the purchase of our note. She explained all facets of the transaction and executed everything quickly. Our offer was fair and the monies received at closing exactly as quoted - no surprises. I would highly recommend FNA and Rebecca to anyone thinking about selling a mortgage.
DL SidleDL Sidle
19:41 01 Sep 20
First National made it easy. My rep that I dealt with (Rebecca) was a sweet individual, attentive and accommodating. After closing, our check arrived right away. Great folks to work with.
Yesenia RiveraYesenia Rivera
13:53 29 Jul 20
John made this Real estate experience faster than expected and with excellent service. Thank you!
Rhonda FedeliRhonda Fedeli
16:50 03 Jul 20
I am very satisfied with First National. They did all the work and was done as quickly as possible. I appreciate their courteous and friendly service and that they kept me up to date on the process daily. Thank you First National!!
D Lynn RouthD Lynn Routh
16:28 27 Jun 20
We received 2 letters from FNAC offering to buy a mortgage we held on a house we sold. We usually throw solicitation mail away, but this was different, so we decided to call. We spoke with DeeAnn Wisely who was very helpful. We also confirmed her legitimacy through another source. There were a many hoops to go through, but after 3 months the transaction took place and all has really turned out for the best. Dana Cook was spectacular in the process!
Charlene LewisCharlene Lewis
17:21 03 Apr 20
When I was first contacted about selling my mortgage, I did not know how the process worked. I spoke with Joe Barnes on several occasions ,asking questions. He was patient with me and assured me that the sell was no scam. I am very happy with the outcome. I'm glad that I had the privilege to work with Mr. Barnes. Charlene Lewis
Sharon BraySharon Bray
17:39 20 Mar 20
At first we were sceptical for about a year, and thought we'd do a leap of faith trusting what First National Acceptance was telling and offerings for our property we had on a Land contract. We closed on the deal on March 13,2020 yes Friday the 13th, and as promised we received our check from them in our account that afternoon.So with that said if this is something your thinking about may it's your Leap of faithtoo. Thank you Rebecca and the rest of your team.Larry and Sharon
Bonnie MilliganBonnie Milligan
17:54 14 Feb 20
The process was painless. We were paid promptly
Shonda TolerShonda Toler
19:23 10 Jan 20
Professional during every phase of the process. Frequent updates. Great offer. Quick turn around. Ashley was wonderful. No issues. Highly recommend.
Jon GrahamJon Graham
12:00 10 Jan 20
Professional and efficient closing process. A pleasant experience.
Roger CohnRoger Cohn
23:01 04 Nov 19
I had 3 different offers for 2 of my notes. I met with my accountant and determined which was the best note to sell. I did a partial sale for the next 43 payments. FNAC made the best offer. They stuck to their final offer and we closed within the dates I needed before I left the Country. We used a local title company who was already collecting for me. So it was smooth and easy. I would definitely use them again. Totally professional. And Beth got it done. Thank you Roger, Tucson
Carlos IngrascíCarlos Ingrascí
17:33 12 Sep 19
We recently finished working with Mr. Josh Matties, a loan acquisition officer at First National Acceptance Company in East Lansing, MI. We would like to compliment and give the highest marks possible to Mr. Josh Matties and all of the staff personnel. Amazing company to work with! They are honest and hard working, very quick turnaround and we could not be happier with our second experience with them. Thank you very much for the very professional and efficient 5 star service. We definitely recommend Mr. Josh Matties.
Jack BoudrieJack Boudrie
18:39 03 Aug 19
I was a little apprehensive at first, but Justin walked me through the entire process and gave me a complete list of what information was required from me. From there on, it was very simple and expedient. The closing also was surprisingly very quick. Well done, First National.
Tom ATom A
12:45 01 Aug 19
They did an awesome job during my process.Joe was always available or had someone backing him up to answer my questions.
Jose GarciaJose Garcia
12:16 27 Jul 19
Excellent quick and easy. Rachel Sims helped us along the way and was an easy process to sell our note. Highly recommend using First National and Rachel. Thank you for the easy process and for the agreed funds!
Jim ContinoJim Contino
16:37 28 Jun 19
Rebecca was great to deal with, she returned all calls promptly and we closed on time without any issues. Great company to do business with!!!
Josie CervantesJosie Cervantes
17:03 21 Jun 19
Recently sold my note to the bank. The process is extensive but they made it simple for me being many thousands of miles away. Highly recommend them.
Cowboy 4everCowboy 4ever
19:42 03 Jun 19
Rebecca Perry was amazing to work with during the entire process.. 2000 + miles a way and the entire thing went soooo well, paperwork done easily, cash at the end as promised, she’s professional yet fun to work with!!Thank you Rebecca !
Vijay ShravahVijay Shravah
20:12 16 May 19
FNAC sent us a letter offering to purchase our mortgage note. After we contacted them and other banks, they gave us the best offer. Process was smooth and we closed in about 30 days.
Rod RoadyRod Roady
14:52 03 May 19
Excellent company. Joe was easy to work with. Transaction went very smooth and I was given a very fair price on my note.Highly recommended.
Robert JodoinRobert Jodoin
03:46 12 Apr 19
Mallory did a good job in bringing the transaction to the closing table...thank you very much..very professional!Bob J
Terri OlsenTerri Olsen
17:23 16 Mar 19
Selling my Security Deed was a very difficult decision for me. It was not what my Father would have wanted, but because of family disputes, selling the deed was the only way for me to find peace. Mallory was kind attentive and caring through what was a very hard time for me. I had spoken to other acquisition companies who came up with one price and then would systematically lower the price in 10% increments. FNAC kept their promises and made the process very simple. I want to thank everyone who helped.
Gerald HerbstGerald Herbst
12:31 24 Feb 19
I am very happy with the outcome and that this is over with. Being out of state made it a little harder but all went well.
Mark MalinowskiMark Malinowski
22:26 08 Feb 19
I had never sold a mortgage note before and did not know what to expect. FNAC gave me a fair offer for my note and Mallory provided timely updates throughout the process. They delivered the funds just as promised. If I ever am considering selling a note again this is the first company I will contact.
terry morelandterry moreland
16:05 07 Feb 19
Living in New York City where scams are commonplace, I was suspicious when I received a letter from FNAC offering to purchase a mortgage note from me. When I responded to the letter, Juan was assigned to work with me. He was professional and very responsive to any questions or concerns that I had. He made the process much easier than I expected. And we even closed before the projected date. I recommend FNAC without hesitation.
John GorhamJohn Gorham
15:35 31 Dec 18
5 stars! John Cooper was so helpful and professional. He made the whole process very painless. Can’t say enough about John’s patience (we are very disorganized 😓) and thoroughness. We got a very fair amount for our property in a timely manner. Would highly recommend First National Acceptance Co. if you are considering selling a mortgage note. Thanks to John Cooper and FNAC!
Daniel CalltonDaniel Callton
15:12 31 Oct 18
Good experience selling a land contract I was holding. Good pricing and excellent customer service from Mr. Cooper.
B SearerB Searer
18:33 04 Sep 18
Great Job John Cooper! I recommend that you do your research, talk with your accountant and if it’s the right process for you this is a great company to work with. You will help each other in the process to make it happen. When all the work is finished the funds are immediate! John Cooper was the Loan Acquisition Officer I worked with and I certainly would again. Perfect!
Steven WhiteSteven White
13:51 24 Aug 18
If six stars were possible, Terrell Wade and the team at FNAC would deserve that high of a rating. Terrell worked with me on purchasing a deed of trust that was part of my parent's estate. The transaction was tricky because of paperwork complications, that the house was now a rental, and that the owners spoke no English. Terrell patiently guided the owners through the process, had to reassure them at several times, and successfully closed the deal even though it took nearly 6 months. The price we received was fair and I cannot speak highly enough of the work and end result that was accomplished by FNAC. S,T,White, Manager RCR, LLC
Mary ZellmerMary Zellmer
16:55 21 Jul 18
I would like to thank Mallory Herrera for the great job she did when she bought our note.She was always courteous no matter how many questions i had for her,and never felt any pressure from her to sell.She kept her word on the price she quoted from the beginning.Always answered her phone when i called no matter what time of day.She gets five stars from me and if i could give her more she will get them to.Good luck for the future.
Ray SangastianoRay Sangastiano
18:47 26 Apr 18
My wife and I worked with Terrell Wade and were extremely pleased with the effort and follow thru.We are 100% pleased. We wish we had more notes to sell. We were asked to provide some info which we did and the process went as smooth as could be. I will recommend Terrell to all that i can
Marlene CoxMarlene Cox
21:29 23 Apr 18
We worked with Terrell Wade at First National Acceptance and he was a gentleman. Very professional. Never before had we sold a land contract and we were well pleased at the buyout amount and surprised at how quickly we received payment. I would highly recommend Terrell and First National to anyone considering selling.
Ned GuruleNed Gurule
02:47 30 Mar 18
We sold our note through FNAC. It was effortless on our part. John Cooper did all the work and we got a check. Thanks John. You were a big help.
Bob or RobertBob or Robert
13:59 03 Mar 18
Juan was a great person to deal with. Had a problem with the title and he took care of it. They also gave me more on my note than another co. would. Would call them again if I had another note to sell. Thanks to everyone at First National Acceptance Co. Bob
Clint OdomClint Odom
21:47 14 Dec 17
Excellent experience with FNAC. Great communication. Prompt answers and closing. I only had a single transaction and Juan treated me like it was the most important transaction going on at his firm. Price was fair, and negotiation was done honestly, honorably and in good faith. Highly recommend to others.
Jim WhiteJim White
22:46 31 Oct 17
I recently had the opportunity to work with Grace Chang regarding the partial purchase of a note that I brokered to FNAC in 2015. Grace informed me, out of the blue, that FNAC would purchase an additional partial, or the full remaining balance, if my client was interested. I contacted my client and she was very pleased with the offers from FNAC. My client happily opted to sell an additional partial, and, thanks to Grace's knowledge and professionalism, the transaction was completed quickly. Grace Chang is a pleasure to work with!
Jen WilliamsJen Williams
02:24 28 Oct 17
I was contacted by FNAC about acquiring the note on the house that I have been owner financing. The representative I dealt with was Terrell Wade. He explained everything to me and assured me there would be no cost to me for their company to get all the paperwork they needed to close this transaction. I was very pleased with his professionalism and courteous manner as he explained things to me and answered all my questions.
Linda JulyLinda July
19:24 15 Sep 17
Grace Chang is amazing. I had to sell a land contract and was very concerned that our buyer would be happy with the new arrangements. Grace's helpful and caring attitude made all the difference. She walked me through every stage of this difficult process and everything turned out perfect. She was very professional, knowledgeable, and focused on the task to be done. Thank you Grace!
Suezan TurknettSuezan Turknett
18:43 17 Aug 17
I worked with Grace Chang in liquidating a mortgage I held on property my late husband and I had owned. It was probably the easiest land related business deal I have ever been involved with. Grace was knowledgeable, informed and available. She was in contact with me and I never had a question she was unable to answer. I was amazed at how quickly the transaction happened; which was far quicker than estimated at the onset. It is refreshing to do business with an organization that has such wonderful customer service and professional business associates. I would highly recommend First National and specifically Grace to everyone.
Rob & Terri LoweRob & Terri Lowe
22:50 01 Aug 17
We worked with Terrell Wade at First National Acceptance and things couldn't have been easier. He was great. They are a no pressure, high efficiency organization. The entire transaction was painless on our part and we were surprised at how quickly we received payment. These days where customer service is almost a distant memory it's refreshing to work with a company that excels at it. I wouldn't hesitate to work with Terrell and First National again.
Michelle ClevelandMichelle Cleveland
16:48 01 Jun 17
This was by far the easiest and most wonderful experience I have ever had. I have dealt with many institutions but, First National and Andrea Allen are far above the rest. I am grateful to have had everything done in such a manner that left nothing undone. Thank you so much for a job well done and I hope we have future dealings with one another. I would recommend you all to anyone!
Jodi PotterJodi Potter
18:17 31 May 17
After 10 years in the rental business industry, my husband and I opted to sell off our properties. We sold two through land contracts and another through a traditional mortgage sale. Though the steady monthly income was reliable, we opted to sell our larger note to pay down debt and free up our monthly budget. After testing the waters with 5 different firms across the nation, we selected to use First National Acceptance Company. Our agent was Richard Nzokou. Richard provided the best information with the most clarity on the process of selling our note. The offer and closing value were very fair. Richard kept a close eye on our sale through the approval process and kept me informed every day. I highly recommend this company and encourage you to work with Richard.