PURCHASE PROCESS
Owning land should be simple. We've streamlined our process to ensure transparency and ease, whether you're paying cash or using our flexible financing.
What It Costs to Get Started
DOC FEE
$75 one-time, non-refundable fee to cover all processing and recording.
DOWN PAYMENT
Low entry points starting as low as $100 to secure your parcel.
PROPERTY TAXES
Prorated monthly with your payment—no surprise annual bills.
Owner Financing
Cash Purchase
1. Reserve your property. Pay the document fee. Your property comes off the market immediately and no one else can purchase it. This is a non-refundable fee.
1. Reserve your property. Pay the document fee. Your property comes off the market immediately and no one else can purchase it. This is a non-refundable fee.
2. We prepare your documents. We draft three documents: your Purchase Agreement, Promissory Note, and Land Contract. You’ll receive them by email and can sign from your phone or computer. Nothing to print, nothing to mail.
2. We prepare your deed. We draft, sign, and notarize your deed. You will receive a digital copy via email.
3. Send payment. Wire transfer is preferred and is the fastest option.
3. Make your down payment. Once your documents are signed, we send a secure payment link for your down payment.
4. We record the deed. We send original documents to the county. After recording, the county will send the original documents to your mailing address.
4. Monthly payments begin. Your first monthly payment is due 30 days after signing. Payments are automatic through Geek Pay, our payment platform, using either ACH or a debit card. You’ll get a login where you can view your documents anytime, track your balance, and make extra payments toward principal whenever you want — there’s no penalty for paying ahead or paying off early.
5. You get the deed. When your principal is paid in full, we prepare and record your deed within two weeks. The land is yours, free and clear.
Everything You'll Pay
Document & Processing Fee
$75
All Purchases
Down Payment
$100+
Financing Only
Monthly Payments
Set by the contract
Financing Only
Note Processing Fee
$10/month
Financing Only
Property Taxes
Prorated monthly
Financing Only
Common Questions
Do you check credit?
No. We offer guaranteed owner financing without credit checks, employment verification, or lengthy bank approvals.
Why isn’t the document fee refundable?
Because the work starts the day you pay it. We take the listing down, turn away other buyers, and begin drafting your documents immediately.
Can I pay off my loan early?
Yes, and a lot of buyers do. You can make extra principal payments anytime through your login with no penalty and no minimum term. There is no interest on the loan - all payments go towards principle.
What happens if I miss a payment?
Reach out to us before it happens. We’re a small company, not a bank, and we’d much rather work something out with you than start over.
Wait, do I own the land immediately?
While making payments, go see your land. Walk it, camp on it, have it surveyed, and clear it — all subject to your county’s rules.
What waits until payoff is permanent infrastructure — a well, a septic system, a structure — and living on the property full time. That’s standard for owner-financed land: until the balance is paid, the property is still held under contract.
Once the principal hits zero, your deed is recorded within two weeks.
Questions about a specific property?
Contact us today — we’ll walk you through any parcel details and help you secure your land.