Transforming Distressed Mortgage Assets Into Opportunity

At Granite Peak Notes, we believe distressed assets don’t have to stay distressed. By acquiring and resolving non-performing mortgage notes, we create value for every stakeholder:

Liquidity and relief for Banks and Credit Unions

Reliable, above market returns for Investors

Dignified second chances for borrowers

For Banks & Asset Managers

A Trusted Buyer for Your Non-Accrual Assets

Your institution’s non-performing loans represent tied-up capital and mounting compliance burden. Granite Peak Notes is your reliable partner/

Immediate Liquidity – convert stagnant loans into deployable capital

Balance Sheet Strengthening – reduce reserves and improve ratios

Compliance Relief – reduce regulatory exposure and operational workload

Borrower Rehabilitation – we prioritize respectful, solution-oriented workouts

We understand the pressures you face. That’s why our acquisition process is streamlined, professional, and designed for certainty of execution.

Our Difference

What sets Granite Peak Notes apart is our disciplined, borrower-first philosophy:

Keeping borrowers in homes whenever possible

No single market exceeds 15% of our portfolio

Multiple acquisition strategies

Frequently Asked Questions from Bankers

Frequently Asked Questions from Investors

How do you evaluate our assets?

We use a proprietary risk scoring system that combines property value, borrower profile, local foreclosure timelines, and geographic diversification. Our goal is to price assets competitively while providing your institution with immediate liquidity and balance sheet relief.

How do you handle borrower communication?

Respectfully and professionally. We partner with top-tier servicers and legal teams who specialize in borrower engagement. Our approach emphasizes loan modification and re-performance first, with foreclosure as a last resort. This protects your institution’s reputation and helps borrowers get back on track.

Why should we choose Granite Peak Notes over larger institutional buyers?

Because we combine certainty of execution with a relationship-driven approach. Larger buyers often treat your loans as just another transaction. At Granite Peak Notes, we value long-term partnerships. We move quickly, price competitively, and ensure your borrowers are treated with dignity throughout the resolution process.

How is my investment secured?

Every investment is backed by first-position mortgages on real estate. We purchase non-performing notes at significant discounts from the fair market value of the real property, which provides a built-in equity cushion that protects your principal.

Do I need to be an accredited investor to participate?

Not always. We offer opportunities for both accredited and non-accredited investors, including structures that work well with Self-Directed IRAs (SDIRAs). This allows many investors to participate while enjoying tax-advantaged growth.

How “hands-on” is this investment?

It’s desiged to be passive. Granite Peak Notes and our servicers handle all borrower communication, loan modifications, compliance, and reporting. You simply receive your distributions and regular performance updates without the headaches of being a landlord.