How Our Owner Financing Works
We Sell Land the Way We'd Want to Buy It
Most folks have been told that owning land takes a banker, a credit score, and a stack of paper that doesn't make sense. We don't do business that way. Here's our process from the day you find a lot to the day you hold the deed.
Step 1 of 4
Choose Your Lot
When you find a lot you want, tell us you are ready to move forward and pay the listed down payment. That takes the lot off the market while we prepare your paperwork.
If paying the full down payment at once is a stretch, ask about a short split. We may agree in writing to divide it across two or three payments, typically completed within 14 days.
Step 2 of 4
Complete Your Down Payment
Down payments are low, and the exact amount is listed on each lot. If we approve a split, every amount and due date is confirmed in writing before you pay.
The minute the full down payment is in, we email you the Contract for Deed. You print it, sign it with a real pen in front of a notary, and send it back to us. Payments already made are non-refundable.
Step 3 of 4
Sign and Take Possession
Once the Contract for Deed is signed by both sides, the land is yours to walk, camp on, clear a driveway, and start planning. You don't wait for the final payoff to use your land.
You'll receive your Warranty Deed when the contract is fully paid off. Until then, the deed stays in our name and the contract is the legal record of your ownership rights.
Step 4 of 4
Pay Monthly Through Lendiom
We use Lendiom for every monthly payment. It's secure, automated, and you can log in any time to see your balance, your next payment, and your payoff number.
Our typical term is 15 years, but we're flexible — if you'd prefer shorter or longer, tell us and we'll work out terms that fit your situation. There is never a prepayment penalty. The day the balance hits zero, we send the Warranty Deed to your county recorder.
What That Means For You
The Honest Plain-English Version
You can buy land from us without a bank.
No credit check, no mortgage application, no closing costs surprise. We are the lender — and we've built this to be the simplest land deal you'll ever do.
You take possession the day you sign.
A lot of land deals make you wait. We don't. The minute we both sign, the land is yours to walk, camp on, clear, hunt, and plan around.
Your monthly payment is fixed.
The amount we agreed on is the amount you pay every month, until it's paid off. No rate adjustments. No balloon payments. No surprises.
Pay it off any time.
Cash bonus from work? Tax refund? Sold a vehicle? Apply it. There is no prepayment penalty, and we'll often discount the price for cash payoff — just call us.
One honest note: this page is informational and we keep it as up to date as we can. The Contract for Deed you sign is the final word — if anything here ever differs from your contract, the contract wins.
Have a question about the process?
We'd rather you ask twice than be uncertain. Call us at (205) 202-9620 or send us a message. We answer fast.
Important Reading
Want to See What You'll Sign Before You Sign It?
Most folks don't read contracts because they're hard to understand. Ours isn't. We've put together a plain-English summary of the Contract for Deed so you can read it on your phone in five minutes — before any money changes hands.