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Our NoteSchool team takes pride in delivering the highest level of note training.


Our mission is to provide superior training and vision concentrated on the note industry that is timely, relevant and accurate and is presented in ways that are easy to comprehend and implement so that it leads to superb results. NoteSchool takes pride in delivering the highest level of note training that produces a path that enables our students to create wealth and a secure financial future. At NoteSchool we are fully committed to educating each of our students to be successful, ethical and responsible leaders in the note industry as well as in their own communities.


At NoteSchool, we understand that everyone learns differently and has different goals. That’s why we offer a variety of ways for you to get started in the Note business, including Mentoring, live classes, home study courses, books, and a free newsletter.

If you want to take advantage of the incredible opportunity with performing and non-performing notes in this market and start to create income and build wealth, we recommend the immersion experience of a live class (see the schedule here), but the main thing is to get started NOW by jumping in at a level that works for you.


For more information on personal mentoring and training by NoteSchool, and to learn how to succeed in the note business, contact us today!

Eddie Speed

Personal training from the nation’s most experienced note buyer!

Since 1980, W. Eddie Speed has dedicated his professional life to the seller financing and non-performing note industry. Over the years, he has introduced innovative ideas and strategies that have positively impacted the way the industry operates today.

Eddie founded NoteSchool which is a highly recognized training company specialized in the teaching of buying both performing and non-performing discounted mortgage notes. He is the owner and president of Colonial Funding Group LLC, which acquires and brokers discounted real estate secured notes. In addition, he is also a principal in a family of Private Equity funds that acquires bulk portfolios of notes.

He has been a leader and innovator in the Note Business for over 30 years. He will tell you that those 30 plus years have prepared him for the incredible opportunities of this current real estate market.

Chris Cobbs

Mr. Cobbs has more than 30 years of real estate experience in asset management, operations, financial reporting, acquisitions, investment analysis, underwriting, workouts, implementation and management of value-added strategies, land development, vertical development, design, budget creation and management, contract and lease negotiation and condominium sales, advertising and marketing. He has extensive knowledge and understanding of real estate law, portfolio management strategy, environmental remediation, wood-framed multifamily and high-rise condominium construction, development management, portfolio acquisition and development strategies and asset management systems.

His specialties include: asset/portfolio management, operations, acquisitions, development, investment analysis, development management, contracts and joint ventures. Mr. Cobbs has directed lease and purchase transactions, acquired and developed multiple commercial, residential, retail and industrial properties, consulted and co-invested in various types of improved real estate, for both ground-up development projects, as well as value-added projects, and has demonstrated, strong negotiating skills.

Throughout the course of his broad experience, Mr. Cobbs has experience working with institutional and private investors and has successfully worked transactions with brokers, buyers, sellers, contractors, engineers, attorneys, lenders, equity partners, leasing and property management teams and has negotiated loans; directed sourcing and implementation of property management and leasing services on behalf of entities with which he has been involved either as principal, partner or associate.

Susan D. DeLaGarza

Susan has been in the mortgage industry since 1984. She started her career with Finance America as a Financial Service Representative. The firm was subsequently purchased by Chrysler First, where Susan supervised the administration and lending departments of the company’s Irving, Texas branch. She ultimately managed Chrysler’s liquidation office for the State of Texas, before accepting a transfer to Jackson, Mississippi as Branch Manager. Susan has attended numerous training/enrichment courses pertaining to credit analysis, appraisal review, collections, loan processing, and real estate law.

A Colonial team member since March 1993, Susan manages Colonial’s loan processing and closing functions. In that role, Susan manages the hand-off of loans from marketing, the actual processing and closing of all individual and small portfolios of loans, as well as the final hand-off of loans purchased for resale.

Susan is well known within the seller-financed note industry and is widely recognized among industry professionals as one of the most knowledgeable and capable closers in the business.

Susan and Jesse, her husband of 33+ years, have raised two sons and reside in DFW area.

Joe Varnadore

Investing in his first property at the age of 19, Joe learned the importance of using creative financing to make the deal work. Since then, he has created and brokered more than $30 million in note transactions on residential and commercial properties.

As an author, speaker, and trainer for the past 25 years, he believes that there has never been a greater opportunity for real estate investors to use non-performing notes to acquire properties and seller financing to cash out.

Wayne Garrett

Wayne, a resident of DFW, Texas, has been a Titanium member for four years.

In late 2020, Wayne retired from his career as an Aerospsace Engineer to pursue the Note business full time. Wayne has steadily built his Note Portfolio using retirement funds.

Wayne was offered the opportunity to work for NoteSchool at the Content desk. This entails working with each and every student on their Deal Lab submissions, moderating the deal lab webinars, and implementing standardized processes to benefit the students submitting deals to content. Later, Wayne was asked to help with the Liaison team as well. He enjoys meeting new students and helping them get on the right path once they’ve joined.

Ben Haught

Ben purchased his first investment property and started investing in 2000 and has helped train thousands of people across North America “get into the game.” He left the corporate world in 2005 and began investing full-time when he realized that being an entrepreneur and betting on himself was more to his liking. He acquired a vast knowledge of real estate strategies, and as an author and speaker, has helped thousands become aware of how they can improve their bottom-line by using time proven techniques and strategies.

Although he cut his teeth for years on the traditional brick-n-mortar side of real estate, he has chosen to focus on the finance side of real estate as his primary concentration because of the limitless opportunities and resources that are available in the note business.

Nic Henderson

Nic began his professional career as a teacher, coach, and school administrator. After acquiring his Real Estate License in 2017, Nic developed the Residential wing of a local brokerage from the ground up. Some of his initial real estate endeavors included renovating distressed properties and selling foreclosed homes he purchased with recruited investment. Nic joined the NoteSchool team shortly after relocating with his family to New Orleans, LA. He embraces the opportunity to combine his roots in education with his knowledge of Real Estate to guide students through their journey in developing long- term wealth.

Jordan Roman

Jordan began his investing career over 25 years ago. Originally a grade school and high school teacher, Jordan learned after an unsuccessful business the term “multiple streams of… BILLS.” 

Inspired by that reality, Jordan quickly learned that having one income and battling multiple bills wasn’t going to work. Trading the markets, real estate investments and other financial vehicles that create long term wealth quickly became his focus. 

Surrounding yourself with like minded people is only half the equation. Finding people who truly understand the business that you’re in and participate with you is what truly makes a difference. 

Stephen Gossard

Stephen began his professional career as a Sports Performance Coach helping athletes reach their highest potential. He now brings that intensity to help students reach their highest potential in building out their portfolios to be financially secure. He has an earnest desire to assist students reach their goals because of his unique skillset in coaching to bring out the best in those he visits with.

Stephen joined the NoteSchool team shortly after getting out of college athletics but has gained attention from the faculty as someone who quickly identifies the needs of those he speaks with. He excels at bringing specificity to those who wish to rise to the next level with a great level of detail. As a coach and advisor for more than a decade, he believes with the right knowledge, work ethic, and network anyone can be successful.

Monica Masters

Monica began real estate investing in 2009 with rentals, fix & flips, and teaching investors to build a legal wholesaling business. Her passion and focus is Note investing because it offers consistent returns, secured by the asset, and a repeatable investing strategy that builds wealth faster.

Monica is an active note investor since 2019 and got her start as a NoteSchool Titanium member. By learning the note business, she built her own portfolio of performing and nonperforming notes, sold partials, and properties on terms with creative financing.

Lois Meyer

Lois, a resident of Houston, Texas, has been a Titanium member for four years. Early in her career, she spent four years as a residential mortgage loan officer before transitioning to become an investment banker specializing in mortgage-backed securities.

With an eye toward retirement, Lois and her partner devised a plan centered around rental properties, acquiring a total of 19 properties primarily in the Houston area. However, recognizing that the returns from rentals wouldn’t sustain their passion for travel, they swiftly shifted gears towards Mortgage Notes. Within their first 14 months, they amassed a portfolio of 58 notes.

In 2019, Lois retired from her extensive career as a Financial recruiter and now manages the note portfolio and investments. She is currently dedicated to assisting aspiring Note School members in achieving their financial dreams.

Brenda Price

Brenda dedicated the initial years of her life to public education. She accomplished her Bachelor’s, Education Specialist’s, Master’s, and Doctorate degrees in education and taught fifth grade for 22 years before retiring. Throughout her tenure, she acted as a mentor to her students and student teachers alike. 

Brenda embarked on her real estate journey in 2018 by establishing Smokies Square One LLC. For three years, she ran her business while also teaching full-time and raising her two children. In 2022, Brenda made the decision to pursue real estate investing as her primary career. She has amassed a portfolio of 18 rental properties, ranging from short to long-term, which she manages herself. She is constantly overseeing the renovation of homes to create investment properties and is always looking to acquire new properties. Brenda is also a licensed mortgage loan originator and works at Republic State Mortgage as a loan officer where she counsels, pre-qualifies, and originates loans for buyers. 

As a student of NoteSchool herself, she is thrilled to be a part of the liaison team. With the patience and passion for education of a teacher, she is always ready to welcome new students to the NoteSchool family.