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How to Calculate the Value of Your Mortgage Note: A Step-by-Step Guide

By Clayton W. Davis
September 26, 2025
10 minutes

Estimate the present value of your mortgage note using payments, term, and an appropriate discount rate--plus key factors like interest rate, LTV, credit, payment history, seasoning, and property type.

Estimate the present value of your mortgage note using payments, term, and an appropriate discount rate--plus key factors like interest rate, LTV, credit, payment history, seasoning, and property type.

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About the author

Clayton W. Davis

President, Note Buyers of America

Clayton W. Davis is President of Note Buyers of America. He focuses on seller-financed note valuation, risk analysis, and investor education.