How it works
From listing link to deed, without a bank.
The three steps
Simple on purpose.
Step 1: Send us the deal.
Paste the listing link or tell us about the land.
Step 2: We buy it.
If it qualifies, we purchase the land from the seller with cash.
Step 3: We sell it to you on terms.
You make a down payment and fixed monthly payments to us. No balloon (no big lump sum at the end) and no penalty for paying early. You get the deed when it is paid off.
Timeline
What happens after you submit.
Day 0
You send the request
Share the listing link, APN, or a description of the parcel, the asking price, and the numbers you are comfortable with.
Within 1 business day
We reply
We aim to reply within one business day with questions or next steps. This is not an offer to sell or an offer of credit.
Days 1 to 5
Review
We review the parcel (access, title, zoning, value) and talk through your down payment and monthly budget.
Days 3 to 7
Proposed terms in writing
If the deal fits, we send proposed owner financing terms in writing for you to review.
Weeks 1 to 4
We buy the parcel in cash
We go under contract with the seller and close our cash purchase, typically in 2 to 4 weeks depending on title work.
At or after our closing
Your purchase from us
You pay the agreed down payment, sign the purchase agreement, the note and the recorded deed of trust or mortgage, and start fixed monthly payments.
At payoff
Warranty deed to you
When the note is paid in full, we deliver a warranty deed. Pay off early any time with no penalty.
Timeframes are typical, not guaranteed, and vary by county and title work.
The terms
How our owner financing is structured.
- Fully amortizing (every payment pays down what you owe, so there is no big payment at the end)
- No balloon payment (no large lump sum due later)
- No prepayment penalty (pay it off early anytime, no extra fee)
- Fixed APR (annual percentage rate, the yearly cost of the financing, never changes)
- Deed of trust or mortgage (a recorded document that secures the note until you pay it off)
- Warranty deed at payoff (the land is fully yours once it is paid off)
Nothing on this site is an offer to sell or an offer of credit.
Have a piece of land in mind? Send it over.
This is not an offer to sell or an offer of credit. Every property and every seller financing term is subject to our review and approval and is not guaranteed.