Invest in mortgage notes

Earnest Investing purchases and manages performing and non performing notes to provide an above average return for their passive investors.

When people buy a house and obtain a mortgage, the last thing on their minds is the possibility of defaulting on their payments and being in danger of losing their house to the bank. As the great recession started in 2008 this is exactly what happened to millions of Americans as the fallout of the banking crisis started to unfold. After gaining some experience in seller carryback lending, Earnest Inc.’s founder, Nathan Turner, had the opportunity to start buying some of these non-performing mortgage notes in 2010. One of the most profitable and rewarding outcomes that Mr. Turner was able to achieve was to get the borrower making regular payments again (thus making it a performing loan). This not only allows the borrower to stay in the home but gives long term income backed by the real estate. Essentially, when Earnest buys the loan, it buys the right to continue to collect the payments by becoming the new “bank” for the borrowers. The bank that originated the loan is now out of the equation and the relationship rests between the borrower and Earnest. 

The 2008 market crash provided a slew of these non-performing notes and, as the market has slowly recovered, performing and non performing notes are commonly traded. Recent market volatility indicates that a second wave of large opportunity is in the near future. While we do not expect to see the same levels, the conditions are set for a new round of defaults thus perpetuating this ongoing market. Join us in an investment opportunity, backed by real estate, for passive investors.

Earnest Inc has bought and sold hundreds of mortgage notes and properties in the note industry since 2010. 

Through persistent and thorough due diligence, we are able to purchase loans at below average pricing, thereby increasing stability and safety for the portfolio. Specializing in communication with borrowers and always treating people with dignity and respect, we are also able to maximize profit and opportunity on a case-by-case basis.

Over the years, Earnest Inc has developed vital key relationships with numerous note sellers as well as a network of real estate professionals to enable and facilitate the purchase and sale of loans and properties. Mr. Turner is well known and respected in the note industry, having spoken at every major note conference. He is also the owner and host of Diversified Mortgage Expo, a leading annual note conference that offers the chance to learn about and mingle with other note investors and professionals.

Our focus now is purchasing and managing both performing and non-performing loans for passive investors.