Frequently Asked Questions

We handle all financing ourselves. No bank, no credit check, no income verification. If you can make the payments, you can own land.

We are the lender, not a bank. You put a small amount down, then make a fixed monthly payment until the parcel is paid off, and the deed transfers to you on the final payment.

Down payments are low and set per parcel. Each listing shows its exact down payment and monthly payment, so you know the numbers before you buy.

Select properties are listed on eBay as auctions. The winning bid is your down payment only, not the full purchase price. Winning the auction gives you the right to purchase the property through seller financing on the terms listed. We also offer a Buy it Now price at 10% off when purchasing outright without financing.

We offer six standard terms: 1 year at 0% APR, 2 years at 3% APR, 3 years at 5% APR, 5 years at 10% APR, 7 years at 15% APR, and 10 years at 18% APR. Monthly payments are calculated from your remaining loan balance using standard amortization.

Yes, 10% off the purchase price for a full cash purchase, and 10% off the remaining balance if you pay off early at any time during your agreement.

Monthly payments are due on the 1st, with a $15 late fee applied after the 15th. You can pay via Credit/Debit Card, Zelle, e-Check, or Check/Money Order with no additional fees. PayPal and Venmo are also accepted but incur a 4.33% processing fee.

A $15 late fee applies if payment is received after the 15th of the month.

A Grant Deed is prepared and recorded in your name upon receipt of your final payment. Title passes free and clear at that point.

We cover all closing costs including recording fees, documentary transfer taxes, and deed preparation. There are zero closing costs to you.

Yes. We only sell properties with free and clear title. No liens, no mortgages, no encumbrances.

Yes. You are responsible for property taxes and any HOA or POA dues for the full term of the agreement, even though the deed has not yet transferred. This is standard for seller-financed land contracts.

It depends on the property. Each listing specifies whether HOA or POA dues apply and the amount. Some properties have none.

Absolutely, and we encourage it. All properties are sold as-is, where-is. GPS coordinates are included in every listing so you can locate and visit the land before bidding.

There is no time limit to build imposed by us. However, local zoning, permitting, and utility requirements vary by county and city. You are responsible for researching buildability, setbacks, and permitted uses with the applicable jurisdiction.

Browse the available land, create an account, and make your down payment to reserve the parcel. Sign and return your purchase agreement, then make your monthly payments. The deed transfers to you on the final payment.

90 consecutive days without payment constitutes default. Upon default, all prior payments are forfeited and you relinquish all rights to the property. No court action is required. We encourage you to contact us early if you are having difficulty, as we prefer to work things out.