You’re Ready to Be A Land Owner!
We offer multiple options for closing on your new property. Since we live in Florida, we can close in person at a local coffee shop, we can close through one of out our trusted title companies, or we can close completely virtually. Please let us know which option you prefer and we can make arrangements accordingly.
Congratulations! We know you have a ton of questions. Here is a quick example of how the process is going to go:
1. Make your initial investment
Once you have secured your land, we will begin drawing up the paperwork. This includes the purchase agreement, and land sale contract, and for cash sales, the purchase agreement and the deed. The documents will be sent to you to sign. This can be done either via E-signature, fax, or snail mail.
2. Sign the documents & notarize the deed
For cash sales, once the documents are fully signed, we will get the deed notarized. Once notarized we will send proof of notarization (i.e photos or videos).
For financing, once the documents are signed and the down payment has been paid, your work is done! When the loan has been fully paid off, we will get the deed notarized. Once notarized we will send proof of notarization (i.e photos or videos), and record the deed with the applicable county. Once the deed has been recorded, we will mail you the original copy.
3.Payment
For cash sales, Once proof of notarization has been received, - the remaining payment is to be wired, paid by invoice, or paid with a cash or certified check in person. Once funds are received, an electronic and physical closing packet will be sent, or given to you in person. If you wish for us to record the deed for you via electronic measures, a one time $250 fee is to be assessed.
For financing sales, monthly payments will be set up with our processing system “TerraNotes” via ACH, or credit card.
4. Tell everyone that you are a land owner!
Now that the land is yours, you have endless opportunities.
If you are purchasing on terms, please keep in mind that certain activities may not be allowed until the property is legally in your name at the end of the contract. Please don’t hesitate to reach out with any questions you may have, we are here to help!
5. If you haven’t already, join our buyers list! Refer a friend and get $250!
We constantly have new land deals for sale, we hope to work with you again soon.
** PLEASE NOTE** Due to our regulations, we cannot allow individuals to live on the land until the property is legally recorded in your name. We ask that improvements are not made on the property without written permission from the financiers of the loan, and must be in compliance with local, state and federal government regulations.
Owner Financing Land Guide
Owner financing sounds mysterious until you strip away the jargon.
At its core, it means the seller finances the purchase instead of sending you to a traditional bank.
That’s it.
No need to make it weird. No need to make it sound like some underground trick. It is just a different way to structure a land purchase.
And for raw land, it is often the more realistic path.
What owner financing actually is
In a traditional loan, a bank or outside lender funds the purchase and you make payments to them.
In owner financing, the seller carries the financing terms directly. You agree on the purchase price, down payment, monthly payment, and term. Then you make payments under that contract structure.
That does not automatically make it better or worse than a bank loan. It makes it different.
The upside is usually speed, simplicity, and accessibility.
The downside is that you need to read the terms carefully because there is no giant bank compliance machine forcing the process into a familiar shape for you.
That is not a reason to avoid it. It is a reason to understand it.
Why buyers choose it
The biggest reason is obvious.
Raw land is not always easy to finance through a traditional lender, especially when the parcel is vacant, rural, or inexpensive by house standards but still meaningful to the buyer.
Owner financing can remove that friction.
For some buyers, it is the difference between getting started and staying stuck. For others, it is simply a cleaner fit. They would rather work directly with the seller, make predictable payments, and move on with their plan.
It also tends to appeal to people who value speed, straightforward communication, and fewer moving parts.
That said, “no credit check” should never mean “no due diligence.”
Fast should not mean careless.
What to review before you say yes
If you are considering owner financing, slow down and review the actual structure of the deal.
Purchase price, down payment, and monthly payment
Understand the full purchase price.
Understand what is due up front.
Understand what the monthly payment is and when it is due.
Do not focus only on the monthly number because that is how buyers accidentally agree to terms they did not really compare.
Term length and payoff
How long is the payment period?
Is there a payoff option?
If you want to pay early, can you?
You do not need every deal to look the same. You do need to know what you are agreeing to before you sign.
Fees and paperwork
Buyers get nervous about fees when they do not know what the fee covers.
That is why doc-fee transparency matters.
If there is a document fee, ask what it pays for. Is it tied to paperwork, file handling, payment setup, recording support, administrative processing, or delivery of closing documents? A fee is not automatically suspicious. A vague fee is.
Clarity is the whole point.
Default terms and missed payments
What happens if you miss a payment?
Is there a grace period?
Are there late fees?
How does default work?
How is communication handled?
If you do not know the answer to those questions, you are not ready to sign.
This is not because owner financing is dangerous by default. It is because any payment agreement becomes stressful when expectations are fuzzy.
What you can and cannot do during the payment period
Can I clear the land before it is fully paid off?
Can I camp on it?
Can I put an RV there?
Can I make improvements?
The answer depends on the seller’s contract terms and the local land-use rules.
Those are separate issues.
Even if a seller allows a certain type of land use during the financing period, local zoning and permitting still apply. So the right question is never just “Will the seller let me?” It is also “Does the property’s jurisdiction allow it?”
That second part is why your financing page should always link back to the zoning and RV pillars.
Is owner financing safe?
Yes, it can be. No, that does not mean you should switch your brain off.
Safe owner financing looks like this:
Clear terms.
Clear payment expectations.
Clear communication.
Clear explanation of fees.
Clear explanation of what happens on late payment or default.
Clear explanation of what rights the buyer has during the payment period.
Unclear owner financing looks like this:
Fuzzy promises.
No real paperwork.
Pressure to send money before you understand the terms.
No explanation of what you are signing.
No explanation of what happens if life goes sideways.
The issue is not owner financing itself. The issue is whether the deal is transparent.
Red flags to watch for
If you are evaluating a seller, do not just ask whether they offer owner financing. Ask how they handle it.
Do they explain the process clearly?
Do they have written buyer policies?
Do they make it easy to understand fees?
Do they answer hard questions without getting defensive?
Do they tell you what happens if a payment is late?
Do they explain when and how property rights transfer?
Do they act like they want an informed buyer, or like they want a fast one?
That difference matters more than the phrase “owner financing.”
When owner financing is the right fit
Owner financing is usually a great fit when you want land, understand the parcel, like the terms, and prefer a direct path over a more cumbersome bank process.
It is not a good fit if you have not done your land due diligence, do not understand the agreement, or are treating the monthly payment like the only number that matters.
Use it as a tool, not a shortcut.
If the land is right and the terms are clear, owner financing can be one of the simplest ways to get started.
And if the terms are fuzzy, the best move is not to hope for the best. It is to ask better questions until the deal makes sense on paper, not just in your head.