Within the past few months or years you have joined thousands of other Americans who have accepted a mortgage as part of the proceeds of a real estate sale. C & A Financial Programs is a specialist in the field of converting privately held mortgages to cash. Through a multi-state courthouse research network we have become aware of your mortgage and offer our services directly to you. The sale of a mortgage is an important decision worthy of thoughtful consideration based on individual financial circumstances. Mortgages are sometimes excellent investments for those desiring a good yield and cash flow and can provide "bricks and mortar" security. To convert a mortgage to cash however, generally requires the expertise of a Mortgage Broker specializing in our field. Other Mortgage Brokers are one of our major sources of business, as are accountants, and attorneys. C & A Financial Programs is a leader in the mortgage conversion field and will handle the details and secure the cash you may desire through the sale of your entire mortgage or merely the sale of a few of the remaining payments. We offer the following important questions and answers to help you in making the right decision.

Why do people sell mortgages?

To pay-off debts which are at higher interest rates

To invest in business, real estate, or ventures which they expect to provide more benefit.

To settle estates and provide for relatives unable to service a mortgage.

Tax benefits.

Will I incur any "Out-of-Pocket" expenses to complete the transaction?

No, our quotes are net to you with us paying all closing fees for anything that we require.

If I convert my mortgage to cash, how will it affect the person(s) paying me?

It will not. All terms and conditions set forth in the original note and mortgage remain in force. The only change will be to whom and where future payments are sent.

How long will it take to receive the funds?

Generally, two or three weeks.

Will I need to attend the closing?

Not necessarily, our office can close the transaction by sending you a complete closing package along with easy to follow instructions.

How will I be paid?

By cashiers check from a major financial institution.

Are Mortgage Brokers licensed and regulated?

Yes, our firm is licensed and regulated by the Department of Banking and Finance in the State of Florida.