SELLER FINANCING, PLAINLY EXPLAINED
Land you can finance directly with us.
Most of the land we list is offered with seller financing — no banks, no credit checks, no jumping through hoops. A handful of our premium lots are cash only; everything else is a clear monthly payment and a clear path to owning the land outright.
No credit checks
We don't pull your credit. We don't care about your score. Your history is your business; the land is what we care about.
Low down payments
Whatever's listed on the property page is the minimum down. On most lots that's well under 10% — sometimes just a few hundred dollars to lock it in.
No prepayment penalty
Pay it off whenever you want. Six months in, six years in, doesn't matter. The interest stops when the balance does.
What buying a lot actually looks like.
01
Find a lot you like
Browse the listings page or look at the map. What you see is what's available right now. The card shows the cash price, and — for lots we finance — the minimum down and the monthly payment.
02
Send us your name and a good mailing address
That's all we need to get started. No credit pull, no income statements, no employment history. Just enough to put your name on a purchase agreement.
03
Sign the purchase agreement
We send it to you via DocuSign. Read it, sign it, and the deal is in motion. Once the agreement is signed, we coordinate with the closing attorney to draft the financing paperwork.
04
Close with the attorney
Closing usually takes two to three weeks, depending on the attorney's schedule. You pay the down payment at closing. Once closing is complete, the lot is yours to use — build, camp, hold, whatever you want — while you make monthly payments.
05
Make your payments. Own the land outright at the end.
Monthly payments are auto-drafted or paid however we agree. When the loan is paid off, you own the property free and clear with full deed in hand.
Two ways we structure the deal.
Which one we use depends on the state the property is in and, in some cases, which structure you'd rather sign. Both end the same way: you own the land outright when the loan is paid off.
Default
Contract for deed
In states that allow it, this is what we offer first. It's the fastest, simplest way to get you on the land. We hold the title while you make payments; the deed transfers to your name once the loan is fully paid off. You get full use of the property the moment closing is done.
Alternate
Deed of trust
In states with restrictions on contract-for-deed sales — or when the seller wants the deed in your hands while you pay — we use a deed of trust. Title transfers to you at closing with a lien recorded for the balance. Same monthly payments, same end result, slightly different paperwork. Most of our financed properties right now use this structure.
Ready to look at what we have?
Every active lot, every state we're in, on one page.
Browse Land for Sale