Owner financing means you buy land directly from the seller and pay them over time, instead of getting a bank loan. You make a down payment to reserve the parcel, then fixed monthly payments until it's paid off. Because there's no bank, there's usually no credit check and approval is fast.
Why banks don't help with raw land
Most banks won't write a small loan on a vacant parcel — there's no house to secure it and the amounts are too small to be worth their time. That's why owner financing became the standard way to buy affordable land.
What you actually pay
A down payment that reserves the parcel and comes off the price.
A fixed monthly payment — our lots commonly run about $99 to $325/month.
Low annual property taxes, which you can often fold into the payment.
No prepayment penalty with us — pay it off early any time (confirm on your agreement).
The two common contract types
With a land contract (or contract for deed), you take possession and get the deed once it's paid off. With a deed-of-trust sale, you get the deed up front and it's secured like a mini-mortgage. We'll tell you plainly which one applies to your parcel and what it means for you.
What to check before you sign
The interest rate, if any, and the total you'll pay over the term.
Who pays the property taxes during the term.
When and how you receive the deed.
Whether you can pay off early without a penalty.
Frequently asked questions
Is there really no credit check?
Correct — because you're buying directly from us, not borrowing from a bank, we don't run your credit. Your down payment reserves the land.
What happens if I miss a payment?
Talk to us early — we're people, not a call center. Your agreement spells out any grace period. We'd always rather work something out than take a parcel back.
Do I own the land right away?
You take possession and can use the land right away. Depending on the contract type, the deed transfers either up front or once you've paid in full. We explain which applies before you sign.
Can I pay it off early?
Yes — our agreements have no prepayment penalty, so you can pay the balance any time and get your deed sooner. Confirm this on your specific contract.
See parcels you can finance today
Pick a lot, put a little down, and start low monthly payments — no bank required. Call or text 877-876-1746 with any questions.