We are the owner and the lender. You deal directly with us "Owner-to-Owner". No third-party bank approval needed, ever.
We focus on your ability to make the payment today. Everyone likes a nice credit score, but we don’t need perfect credit to understand whether a payment fits your budget
No problem. We use alternative ways to establish your ability to make the monthly payment. Pay records, bank statements, or even direct verification with your employer
Texas law gives non-U.S. citizens the same real and personal property rights as U.S. citizens. We will accept an ITIN or other acceptable identification proving identity
We offer direct seller financing with flexible approval, manageable down payments, and clear monthly terms.
We offer discounted land pricing for buyers who make larger down payments, choose shorter financing terms, or plan to pay off their property early.
Most of our land sales competitors charge 14% interest rates, depending on the loan and borrower. Our seller-financing rates range from 10% to 12.9%, depending on the development
Most of our competitors only offer 10-15 year loans. We offer 1-year, 10-year or a 30-year loan with pricing discounts for shorter terms. If a client can pay faster, they should be rewarded
Our seller finance option starts with a 10% down payment. Even less for a qualified buyer. Banks will typically require 20% down payments
Click below and answer a few simple questions. We can tell you exactly how much land you qualify for
Estimate your monthly investment for your land.
We do a single-bureau credit verification to ensure identity. Having low or no credit does not necessarily prevent you from receiving financing
Once you'd like to confirm your pre-qualification and get qualified, we will ask the borrower and co-borrower to provide us with either a Social Security card OR an ITIN form, a driver's license OR a passport, 2 months' bank statements, and a borrower information sheetÂ
There are absolutely no pre-payment penalties. You can pay extra each month, refinance, or pay off the entire remaining balance at any time to save on interest
Absolutely. Many of our clients will use our seller financing until they build their house or install their manufactured home. Banks will usually refinance this type of property very easily. We have no additional fees or prepayment penalties if someone would like to pay off our loan at any time, or refinance it with the bank
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