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It is possible for you not to keep your mortgage note at all. In actuality, you can sell mortgage note to a third party group. So you can sit back and relax by selling mortgage note to others and entrust them to do the payments. There can be many downsides happening in your life. If you get crook and think you cannot pay off your debt then sale of the note is the way to get out of the mess. The one who is buying the note from you wouldn’t know the reason for selling the note but only the terms. Hence you could escape from the mortgage without your credit being affected.