I can see myself in my parents’ backyard heaving huge piles of leaves from one side of the yard to the other. I see my little brother and sisters lining up to jump in the piles I’ve worked so hard to create. I can smell the burning firewood in my living room and I remember wishing I could bottle that smell up and somehow keep it forever. I hear my mom calling all the kids in because the hot chocolate is ready. When I close my eyes, this is what I see when I think of fall.
I’ve always been told that fall brings change. It transforms the trees and sets fire to the streets. There is a natural harmony in autumn that brings cool air and a fresh start. For me, fall has always meant a new school year, new friends, new classes, and new perspective. Now that I am older, I find myself asking, “What does fall mean to me now?”
It turns out that this season is still one of change. I still find myself in a new place with new people, but this fall has also brought me knowledge. In this past month, I have learned more about mortgage notes and the business of investing than I ever have.
Before this fall, my investing background was non-existent. The words non-performing second mortgage notes meant nothing to me and sounded almost like another language. After working at Note Alliance for over a month now, I find not only that I know what a non-performing second mortgage note is but also that I am a reliable source of information regarding them.
Simply put, non-performing second mortgage notes are those in which the homeowner is not actively making payments. As we know, mortgage notes are documents that we sign when we take out a loan for a house that says we promise to pay back the bank. When we stop making those payments, they go from performing to non-performing.
I’ve learned that life can be difficult sometimes and that some homeowners have a hard time making mortgage payments. I feel sorry for people who struggle financially and I have learned that everything is fixable. I am happy that I get to be a part of a company that helps people who are facing financial obstacles and I hope that this fall brings nothing but happy changes for everyone.