Why we can finance land when banks won't
Banks don't like raw land. There's no house to repossess, so most of them won't lend on it at all. We own every parcel we sell outright, which means we can be the bank. No application. No credit check. No income verification.
You pay $0 to start. We carry the parcel until you've paid it off. That costs us something, so the financed price is higher than the cash price. We tell you exactly how much higher, before you click.
The ways to pay
Cash. The listed price plus the $147 document fee. The deed is recorded in your name right away. Lowest total by far.
Monthly. A fixed monthly payment over a fixed term, printed on the listing. Terms run from about 35 to 72 months depending on the parcel.
Every plan: $0 down, the $147 document fee once, a $10 monthly note fee that covers the payment portal, and no prepayment penalty. Ever.
Want to see it on a real parcel? The cash price, both monthly plans and the total of all payments are laid out side by side on the How it works page.
Financing questions
What's the interest rate?
We don't price financing as a rate. We price it as a dollar amount over the cash price, and that amount is printed on every listing. If you'd rather not pay it, pay cash or put more down.
Is there a prepayment penalty?
No. Pay extra any month. Pay it all off whenever you want.
What's the $10 note fee?
It covers the payment portal that runs your monthly plan. It's included in every monthly figure you see on this site, so the number you see is the number you pay.
What's the $147 document fee?
It covers preparing and filing your agreement and, at payoff, the deed. It's paid once, with the down payment.
What if I miss a payment?
There's a grace period. After it a late fee applies. Both are written in your agreement. Call before the due date if you're going to be late and we'll talk.
When do I get the deed?
When your final payment clears, we record it in your name at the county. Cash buyers get it right away.
Can I use the land while I'm paying?
Camping and visiting, yes, within what the listing says the county allows. Building before payoff: call us first so we can go through it for that parcel.
Can I negotiate the down payment?
$0 is the floor. Higher is always welcome, and the slider on every listing shows you exactly what it saves.
90 days to change your mind.
Buy it. Go stand on it. Sleep on it. If in the first 90 days you decide it's not for you, tell us and your down payment comes back. No hoops. It's in writing.
Free, for your email
$100 off any parcel.
Join the list and you get three things: a $100 code good on any parcel we sell, new land 48 hours before it's public, and the 15-minute parcel check, the exact steps we use to vet land before we buy it.