Before you pay anything
Every listing gives you the APN, the county, and the coordinates. Look the APN up on the county assessor's site. Put the coordinates into Google Maps. Drive out and stand on it if you can. Call us with questions: (904) 456-0972.
Then decide: cash, or a monthly plan. Both totals are printed on the listing. There's no version of the price you only find out later.
The timeline
Day 0: you pay $0 down and the $147 document fee
$147 total. Checkout runs on our secure payment system, which shows the name All American Lands LLC. That's our sister company that handles payments. Same owner, same team.
Paying cash? You pay the cash price plus the $147 document fee, once, and skip to step 4.
Same day or next: you get the agreement
As soon as your payment clears, the agreement goes out to you. It states the parcel by APN, the price, your down payment, your monthly payment, the note fee, the term, the grace period and the late fee. Read it. Sign it. Keep a copy.
Every month: you pay on the portal
Your monthly payment is set up on the payment portal. You can log in, see your balance, and pay extra whenever you want. There is no prepayment penalty. Pay it off in month 10 if you can.
Final payment: the deed is recorded in your name
When your last payment clears, we record the deed with the county. You get the recorded copy. The land is yours to build on, camp on, sell, or leave to your kids.
Every way to pay
A real parcel, priced three ways.
1.06 acres, Luna County, NM. Cash price $1,597.
| Cash | Monthly | |
|---|---|---|
| Due today | $1,744 | $147 |
| Monthly, incl. note fee | — | $87 |
| Months | 0 | 42 |
| Total of all payments | $1,744 | $3,801 |
| More than cash | — | $2,204 |
| Deed in your name | Now | Month 42 |
The monthly plan costs $2,204 more than cash. That buys no bank, no credit check, no application, and 42 months to pay. Worth it to you? Take it. Not worth it? Pay cash and keep the $2,204. Either way you saw the number first.
If life goes sideways
You miss a payment. There's a grace period. After it, a late fee applies. Both are spelled out in your agreement. If you know money's going to be tight, call before the due date. We're a small company and we'd rather work it out on the phone than send letters.
You change your mind in the first 90 days. Tell us. Your down payment comes back.
You want to sell before it's paid off. Call us. We'll walk you through it.
You want to visit before you buy. Go. The coordinates are on the listing. You don't need to ask.
Who does what
Six people work here besides me. Someone answers the phone. Someone sends your agreement. Someone handles the deed at the county. You'll never be handed off to a call center.
The two numbers to remember. $147 today on any parcel ($0 down plus the document fee). And the total, printed on the listing, so you're never surprised.
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.