Owner Financed Land for Sale with $999 Down
$999 down27 years in businessBBB accredited since 2006
How does owner financed land work?
We make buying rural land simple. No credit check, no bank approval required. We finance our properties directly, in-house, with flexible terms designed for real people, not banks. If a bank has said no, or you’d rather skip them entirely, owner financing is your answer. When you find a property you want, call us. We’ll work out a payment plan that fits your budget, send you a contract for deed to sign, and once both parties have signed, the land is yours to use while you make payments directly to us. No middlemen. No surprises.
How do I qualify for owner financing?
You’re already qualified. We don’t run credit checks or background checks. We approve everyone, regardless of credit history.
What financing plans are available?
Every plan below is in-house. No bank, no credit check. Choose the down payment and rate that fits your budget.
Financing plans
Pick a plan to estimate your monthly payment.
| Down payment | $999 | 5% | 10% | 20% |
|---|---|---|---|---|
| APR | 10.99% | 10.49% | 9.99% | 8.99% |
| Purchase discount | None | 5% | 10% | 20% |
| Best for | Lowest down payment | 5% off the purchase price | The plan most buyers choose | Lowest APR · Largest purchase discount |
| Good to know | No purchase discount | Down payment starts at $1,999 | Down payment starts at $2,999 | Down payment starts at $3,999 |
Cash buyers receive 20% off, and any buyer who puts at least 20% down receives the same 20%. That is the largest discount we offer.
APR = annual percentage rate. Payments are calculated on full amortization over the stated term, up to 20 years. Some contracts include a balloon payment, typically due after three years, when the remaining balance is refinanced or paid. Your contract states your exact terms.
Rates, discounts and down-payment minimums shown are current terms and are subject to adjustment without notice.
Financing plans
Pick a plan to estimate your monthly payment.
Basic
Enhanced
Premium
MOST POPULARDiamond
Cash buyers receive 20% off, and any buyer who puts at least 20% down receives the same 20%. That is the largest discount we offer.
APR = annual percentage rate. Payments are calculated on full amortization over the stated term, up to 20 years. Some contracts include a balloon payment, typically due after three years, when the remaining balance is refinanced or paid. Your contract states your exact terms.
Rates, discounts and down-payment minimums shown are current terms and are subject to adjustment without notice.
Owner financing worked example
Here is a hypothetical example with a base price of $29,900. It is not an available tract or a cash-discounted quote. Compare BASIC with Premium to see how the down payment, purchase discount and APR affect the amount financed and monthly payment.
| Example terms | BASIC | PREMIUM |
|---|---|---|
| Base price | $29,900 | $29,900 |
| Tier discount | None | 10% ($2,990) |
| Discounted purchase price | $29,900 | $26,910 |
| Down payment | $999 | $2,999 |
| Amount financed | $28,901 | $23,911 |
| APR (annual percentage rate) | 10.99% | 9.99% |
| Amortization term | 20 years (240 months) | 20 years (240 months) |
| Monthly payment (rounded) | $298 | $231 |
| Document-preparation fee (separate) | $249 | $249 |
| Illustrative scheduled payments | $71,520 | $55,440 |
| Illustrative total including down payment and document preparation | $72,768 | $58,688 |
Amount financed is the base price minus the tier discount and down payment. The document-preparation fee is shown separately from the down payment and amount financed. Illustrative scheduled payments equal the rounded monthly payment multiplied by the number of months shown. The illustrative total adds the down payment and document-preparation fee.
These illustrations use rounded payments over the full amortization schedule, exclude other charges, and are not a payoff quote. Some contracts include a balloon payment before the end of the amortization schedule. Your contract states your exact terms.
Is this rent to own?
This is a land purchase on a contract for deed. Both parties sign, and the land is yours to use while you make payments directly to us. We hold the deed until the contract is paid in full, then convey it to you, completing your ownership. The terms in your signed documents are the terms you get.
No credit check: what does that mean?
Our owner financing doesn’t require a credit check, so there’s no minimum credit score. Your credit history doesn’t change your rate or terms, and the same plans are available to every buyer.
When do I get the deed?
We hold title while you make payments, and we convey the property to you by warranty deed once it’s paid in full, with any financial lien paid off before conveyance. You may use and improve the land throughout the payment period.
Owner financing vs a bank land loan: what changes?
With our owner financing, you buy directly from us and make payments to us. No bank approval is required, and we don’t run credit checks. Both parties sign a contract for deed; we hold the deed until the contract is paid in full. To compare a bank land loan with these plans, ask the lender for its down payment, APR, repayment schedule and fees, then compare those with the terms here.
Don’t need financing?
Cash buyers receive 20% off, and any buyer who puts at least 20% down receives the same 20%. That is the largest discount we offer.
Plan your land purchase
Follow the steps to buying land, or read our frequently asked questions about payments, deeds and checking a property before you buy. Then browse available land and review the terms on the tract you choose.
Ready to Get Started?
Reach out to a member of our team to talk through a plan that fits your budget, or browse everything we have below.
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