How to Make Offers

FIXnotes gives you three ways to submit indicative offers on mortgage notes. All offers remain active for 30 days, with unlimited adjustments before acceptance.

Ready to start bidding? Create a free account and get qualified to browse assets and submit offers. Already a Mastermind member? Register with the email address you used for your membership.

Bid on Individual Assets

Find an asset on the marketplace, open its detail page, and click Make Offer. Enter your offer amount, add an optional comment to the seller, and submit.

  1. Browse and select an asset
    Use the marketplace search to find assets by state, lien position, UPB range, or property type.

  2. Click Make Offer
    The button appears at the top of the asset detail page, next to the status badge and asset ID.

  3. Enter your amount and submit
    Your offer amount is shown as a percentage of UPB. Add a comment to the seller if you'd like. Offers expire in 30 days and can be adjusted anytime.

Bid from Your Saved Assets

Save assets you're interested in by clicking the heart icon on any listing. Then go to your dashboard and submit offers directly from your saved list — no need to navigate back to each asset page.

  1. Save assets while browsing
    Click the heart icon on any asset to add it to your saved list.

  2. Go to your Buying dashboard
    Your saved assets appear in the Buying tab with a "Make Offer" button on each row.

  3. Enter your amount inline and submit
    An input field expands right below the asset row. Enter your offer, see the % of UPB, and submit without leaving the dashboard.

Bulk Upload via CSV or Excel

Submit up to 200 offers at once by uploading a spreadsheet. Great for bidding across a full portfolio or pricing multiple assets in one session.

  1. Prepare your file
    Create a CSV or Excel file with two columns: Asset ID and Offer Amount. Download the template from the upload page if needed.

  2. Upload and review
    Drag and drop your file. The system auto-matches your columns and validates every row — showing you which assets are valid and which have issues before you submit.

  3. Confirm and submit
    Review the summary, then confirm. Valid offers are submitted instantly. You can download a status CSV to verify everything went through.

What Happens After You Submit

30-Day Window
Offers remain active for 30 days. Adjust your price or withdraw anytime.

Monthly Selection
The seller reviews all standing offers around the 15th of each month.

Counter Offers
The seller may counter with a revised price. You have 48 hours to respond.

Due Diligence
Accepted offers enter a 21-day exclusive DD period with full document access.

Read the full offer process guide for details on selection, counters, DD, closing, and buyer standing.