Cursor Efficiency?

I am using nested cursors in my script below, and wonder if there is a more efficient way please?


USE ar
GO
DECLARE @mortgage INT,
@mortgage_sequence int,
@getMortgage CURSOR,
@notes_1 varchar(MAX),
@notes_2 varchar(MAX),
@notes_3 varchar(MAX),
@notes_4 varchar(MAX),
@notes_5 varchar(MAX),
@notes_6 varchar(MAX),
@notes_7 varchar(MAX),
@notes_8 varchar(MAX),
@notes_9 varchar(MAX),
@notes_10 varchar(MAX),
@notes_11 varchar(MAX),
@notes_12 varchar(MAX),
@notesComplete varchar(MAX),
@addedUser varchar(255),
@addedDate varchar(255),
@amendedUser varchar(255),
@amendedDate varchar(255),
@sequence int,
@getDetail CURSOR


SET @getMortgage = CURSOR FOR
SELECT DISTINCT Mortgage_Number, Mortgage_Note_Sequence_No
FROM format_additional_notes
GROUP BY Mortgage_Number, Mortgage_Note_Sequence_No
ORDER BY Mortgage_Number ASC
OPEN @getMortgage
FETCH NEXT
FROM @getMortgage INTO @mortgage, @mortgage_sequence
WHILE @@FETCH_STATUS = 0
BEGIN

SET @getDetail = CURSOR FOR
SELECT ltrim(rtrim(Additional_Text_1)),
ltrim(rtrim(Additional_Text_2)),
ltrim(rtrim(Additional_Text_3)),
ltrim(rtrim(Additional_Text_4)),
ltrim(rtrim(Additional_Text_5)),
ltrim(rtrim(Additional_Text_6)),
ltrim(rtrim(Additional_Text_7)),
ltrim(rtrim(Additional_Text_8)),
ltrim(rtrim(Additional_Text_9)),
ltrim(rtrim(Additional_Text_10)),
ltrim(rtrim(Additional_Text_11)),
ltrim(rtrim(Additional_Text_12)),
Mortgage_Note_Sequence_No,
Extra_Added_by_User,
Extra_Added_on_Date,
Extra_Amended_By_User,
Extra_Amended_By_Date

FROM format_additional_notes
WHERE Mortgage_Number = @mortgage AND Mortgage_Note_Sequence_No = @mortgage_sequence
ORDER BY Mortgage_Note_Sequence_No
OPEN @getDetail
SET @notesComplete = ''
FETCH NEXT FROM @getDetail INTO @notes_1,
@notes_2,
@notes_3,
@notes_4,
@notes_5,
@notes_6,
@notes_7,
@notes_8,
@notes_9,
@notes_10,
@notes_11,
@notes_12,
@sequence,
@addedUser,
@addedDate,
@amendedUser,
@AmendedDate
WHILE (@@FETCH_STATUS = 0)
BEGIN
SET @notesComplete = @notesComplete +
ISNULL(@notes_1,'') + ' ' +
ISNULL(@notes_2,'') + ' ' +
ISNULL(@notes_3,'') + ' ' +
ISNULL(@notes_4,'') + ' ' +
ISNULL(@notes_5,'') + ' ' +
ISNULL(@notes_6,'') + ' ' +
ISNULL(@notes_7,'') + ' ' +
ISNULL(@notes_8,'') + ' ' +
ISNULL(@notes_9,'') + ' ' +
ISNULL(@notes_10,'') + ' ' +
ISNULL(@notes_11,'') + ' ' +
ISNULL(@notes_12,'')

FETCH NEXT FROM @getDetail INTO @notes_1,
@notes_2,
@notes_3,
@notes_4,
@notes_5,
@notes_6,
@notes_7,
@notes_8,
@notes_9,
@notes_10,
@notes_11,
@notes_12,
@sequence,
@addedUser,
@addedDate,
@amendedUser,
@AmendedDate
END


INSERT INTO format_additional_notes_1
(Mortgage_Number,
Mortgage_Note_Sequence_No,
Additional_Text,
Extra_Added_By_User,
Extra_Added_on_Date,
Extra_Amended_By_User,
Extra_Amended_By_Date)
VALUES
( @mortgage,
@sequence,
@notesComplete,
@addedUser,
@addedDate,
@amendedUser,
@amendedDate)

CLOSE @getDetail
DEALLOCATE @getDetail
FETCH NEXT
FROM @getMortgage INTO @mortgage, @mortgage_sequence
END
CLOSE @getMortgage
DEALLOCATE @getMortgage
GO