FIXnotes

Building infrastructure for the secondary mortgage market since 2011.

2011

Entering the Industry

Robert Hytha entered the secondary whole-loan market and learned the business by working real non-performing note deals end to end. Those early years made the gap clear: plenty of capital and inventory, not enough clean data, consistent underwriting, or reliable resolution workflow.

2017

FIXnotes Is Founded

Rob built FIXnotes to create infrastructure for the secondary mortgage note market. A system to source, underwrite, trade, and resolve notes with consistent standards that work for both institutions and independent investors.

2021

The Mortgage Note Mastermind

Rob launched the Mortgage Note Mastermind as an advanced room for active investors. As interest grew, FIXnotes expanded education through a larger free community for newer investors, while the Mastermind became smaller, more structured, and more technical. Today the broader community is 1,622+ members, with the Mastermind focused on serious execution.

Today

The Operating System for Distressed Debt

With $67.9MM in documented client revenue and $681MM of NPL unpaid principal balance handled, FIXnotes is building the platform where inventory, analytics, and execution converge. Search, trade desk, borrower resolution, and investor development in one aligned system. The team has grown to five, including industry veteran Bill McCafferty and a remote team of A-players across the planet.

$63MMDocumented revenue generated for clients
$650MMNon-performing loan UPB handled
25Years of mortgage note investing experience
1550Investors in our free community

The operating system for distressed debt.

More than just the MLS for mortgage notes — a platform where inventory, analytics, and execution converge. FIXnotes integrates sourcing, trade desk execution, borrower resolution, and investor development into one aligned system.

The result: transparent markets, disciplined returns for investors, and fair outcomes for borrowers. Infrastructure that institutions and independents both rely on.

01

Abundance

Opportunity is plentiful. We share knowledge and grow together.

02

Builders, Not Speculators

We create systems and apply leverage so results compound over time.

03

Aligned Outcomes

Investors have the power. We use it to reach fair, sustainable resolutions.

04

Credibility Compounds

We keep our word, communicate clearly, and build long-term trust in every deal.

Robert Hytha

Founder

In the mortgage note industry since 2011. Founded FIXnotes in 2017 to build infrastructure for the secondary mortgage market. Over a decade of hands-on experience in non-performing loan acquisition, resolution, and deal structuring.

Bill McCafferty

Client Success

Brings deep expertise in the secondary mortgage market. Together with Robert, the team combines 30+ years of industry experience helping investors navigate note acquisitions and portfolio building.

Rachel Lugo

Operations Manager

30+ years of experience in operations and customer success, specializing in workflow design, support operations, and data tracking systems. Rachel drives process improvement across the platform and manages CRM operations, vendor relationships, and knowledge base development to keep FIXnotes running at the highest level.

Shaun Hunt

Partnerships Manager

Manages strategic partnerships and relationships that expand deal flow and create new opportunities for FIXnotes investors.

Franco George Cabanela

Video Editor

Produces and edits video content for the FIXnotes platform, community, and educational programs.

Build your note portfolio.

Join over 1,622 investors who are building wealth through mortgage notes — or talk to our team about your goals.