Our Story
In 2016, we started as real estate wholesalers by flipping properties to rehabbers. We realized quickly that wholesaling was demanding and time consuming. We wanted passive income without the hassles of tenants, trash, and toilets – so we became note buyers. For us, mortgage note investing has been a unique and profitable way to invest in real estate. Instead of purchasing physical property, we purchase the debt owed on a property in the form of a mortgage note. Today, we’re committed to helping people achieve their financial goals, not just through mortgage note investing but also by offering insurance solutions to protect and build their wealth for the future.
Who We Are
Donya Molock, BSN, RN, CPC, CPMA, CRC
As Chief Executive Officer (CEO) of NoteTerra Capital, I have over 20 years’ experience as a registered nurse. With a deep understanding of Medicare and healthcare finance, I have extensive experience in the health insurance industry evaluating medical risk and auditing claims. My journey in healthcare sparked a passion for helping clients reach financial wellness, leading me to become an independent licensed health, life, and annuities broker and a mortgage note investor.
By blending my nursing background with financial expertise, I guide clients in making informed decisions about their health and finances through Medicare planning. My goal is to create strategies that promote health and financial stability.
Campbell Cobb, MBA
As Chief Operating Officer (COO) of NoteTerra Capital, I am a mortgage note investor and licensed life and annuities broker with a solid background in auditing, consulting, and accounting.
With over 10 years of experience in federal government contracting, I’ve served as a budget analyst focused on financial accountability and strategic resource planning. This foundation in finance and accounting allows me to deliver clear insights that support fiscal discipline and operational efficiency.
By combining my expertise in mortgage note investing with my knowledge of life and annuity products, I offer clients a strategic, well-rounded approach to wealth building and retirement income planning—helping them achieve both financial growth and protection.
What We Do
Investments
Commitment to Excellence
We’re mortgage note buyers based in Northern Virginia
Specialized in purchasing residential mortgage notes
Acquiring performing and non-performing assets with a blend of real estate strategies
Consults
Your Insurance Options
Strategic consultations on insurance products, tailored to each client’s objectives with a focus on asset protection and risk mitigation
Beyond mere transactions, we aim to identify improvement opportunities for our clients
Education
Take Learning to the Next Level
We simplify financial concepts through education
We guide individuals with clarity and confidence
Our mission is to foster sustainable growth and long-term financial well-being
Our Services
Mortgage Note Investing
At the heart of what we do is helping people protect their homes and their financial health. Mortgage note investing allows us to create win-win outcomes—offering safe, consistent income while providing homeowners flexible solutions that traditional banks can’t. It’s real estate investing with a human touch. We specialize in:
First-Position Lien Positions Notes
First lien notes are safer because they have priority in repayment, securing the property if the borrower defaults.
Due Diligence & Risk Management
Due diligence ensures you know what you’re buying; risk management protects your investment from losses.
Asset Protection & Diversification
Asset protection safeguards your money from losses, while diversification spreads risk for safer returns.
Insurance Solutions
Secure your future with our range of insurance solutions designed to protect both you and your investments. We’ll work with you to develop a strategy that aligns with your personal and financial goals, providing stability for you and your loved ones. Our services include:
Health Insurance
Health & Medicare solutions focused on protecting your assets.
Life Insurance
Insure your legacy with customized life insurance plans.
Annuities
Get guaranteed income and tax-deferred growth.
Why We Serve
We’re passionate about helping people protect and grow their wealth through two powerful tools: mortgage note investing and customized insurance solutions. Together, they provide stable income, protection from risk, and long-term peace of mind.
Our mission is to empower individuals with the education, strategy, and support they need to make confident financial decisions that align with their goals.
Who We Serve
We proudly serve retirees, pre-retirees, and families who want to protect what they’ve built and grow it safely. Our clients value stability, security, and trusted guidance as they navigate major life transitions—like turning 65, planning for retirement income, or diversifying their investments.
Whether it’s selecting the right life or annuity protection or exploring mortgage note investing for consistent cash flow, we help our clients make informed decisions that support both their health and wealth for years to come.
