Loan Status
Loan Status
Encyclopedia terms, articles, and lessons about loan status.
Articles
April 6, 2026
ArticleWhy Can't You Buy Mortgage Notes Directly from Banks?
Banks sell mortgage notes to institutional buyers, not individuals. Learn why — and where to source notes through the secondary market instead.
February 1, 2026
ArticleWhat Is Mortgage Note Investing?
Mortgage note investing explained — how buying and selling notes works, who the key players are, and why investors choose this asset class.
November 27, 2025 · Ep. 8
PodcastWhy Default is an Opportunity
If you’re avoiding non-performing loans out of fear, you’re likely missing the most profitable part of the mortgage note business.
November 11, 2025 · Ep. 3
PodcastPerforming vs Non-Performing Notes
Performing vs. non-performing mortgage notes compared. Understand the pros, cons, risk profiles, and strategic plays behind each note type.
Lessons
Encyclopedia Terms
Performing Loan
A performing loan is a mortgage note where the borrower is current on payments, offering investors predictable cash flow backed by real estate collateral.
Re-Performing Loan
A re-performing loan (RPL) is a previously defaulted mortgage now making payments after a modification, priced between NPLs and performing notes.
Re-Performing Note
A re-performing note is a previously defaulted mortgage note now making payments after a workout, priced by post-modification payment history length.
Seasoning
Seasoning is the age of a mortgage loan since origination, affecting pricing, risk assessment, and eligibility for resale or securitization.