What is a mortgage note

What is a mortgage note

  • Colin Whitenack
  • 04/10/26

Most people have heard of a mortgage… but very few actually understand what a mortgage note is. 🤔

📍 At its core, it’s an IOU tied to a property — outlining:
💰 how much is owed
📈 the interest rate
⏳ the timeline
⚠️ and what happens if payments stop

And here’s where it gets interesting… In Colorado (and some other states), it’s not just one document 👇
You’ve got:
📄 The promissory note → “I owe this much”
🏡 The deed of trust → ties the loan to the property + defines consequences

Two pieces. One powerful system. 🔑 If you’ve ever wondered how note investing actually works behind the scenes… this is where it starts. 📞 303.912.5394 | ✉️ [email protected].

Work With Colin

Colin makes sure to understand the life goals of each individual client so that he can develop the strategic plan now that will fit within those goals. Colin then laid out the process for both buyers and sellers including timelines, prices, processes, and expectations.

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