A small family land business
Owner financed land in Colorado and Arizona
Quiet high-desert land with mountain views, paid for monthly. No bank, no credit check, and straight answers about every parcel.
Where the land is
Browse by area
Raw, vacant land in Costilla County, Colorado, and Navajo County, Arizona.
Blanca, Colorado
San Luis Valley land with Mount Blanca in view. Where most of our Colorado parcels sit.
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San Luis, Colorado
Easy highway access and flat ground in the south valley, near the oldest town in Colorado.
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Northern Arizona
Small parcels near Holbrook and the Kingman area. Wide open high desert.
See the areaHow it works
Buying land without a bank
Find a parcel
Look through what's available: photos, maps, flyover videos and the terms for each one.
Reserve it
A down payment and a one-time document fee start the contract and hold the parcel for you.
Pay monthly
No bank loan. There's no penalty if you pay it off early.
Get the deed
When it's paid off, the deed transfers to you.
Do your homework first
Buyer guides
Plain answers on camping, building, water, power and how owner financing works.
From Raw Land to a Home in Costilla County: A Building Timeline
A plain building timeline for raw land in Costilla County: permits, septic, construction, and the rules that catch buyers by surprise — before you plan a move-in date.
Read the guideBefore You Buy Raw Land in Costilla County, Check These Four Things
I get asked the same questions a lot, so here's the honest version up front.
Read the guideCostilla County vs Navajo County: Land Rules Compared Before You Buy
Costilla County, Colorado and Navajo County, Arizona do not play by the same rules for camping, building, septic, water, and power. A side-by-side comparison, from the county rules as I understand them — and what to confirm before you buy.
Read the guideBefore You Buy Raw Land in Costilla County: A Due Diligence Checklist
A plain checklist for buying raw land in Costilla County, Colorado: the parcel itself, access, water, power, septic, building rules, and a visit to the parcel — before you send any money.
Read the guideWhat a Monthly Owner-Financed Payment Actually Buys
What a monthly owner-financed payment actually buys
Read the guideHow Owner Financing Works — and How to Check a Seller Before You Pay Anything
Here's the plain version of how I sell land, and how to check any seller — including me — before you send money.
Read the guideOff-Grid Power in Costilla County: How Solar Actually Works on Raw Land
Most raw parcels in Costilla County have no grid power. A plain explanation of how owners run solar with battery storage — and a generator as backup — and what to check before you buy.
Read the guideWater on Raw Land in Costilla County: Well, Cistern, or Haul?
Raw land in Costilla County has no municipal water. A plain comparison of a permitted well, a cistern, and hauling — what each one means in practice, and what to check with the county first.
Read the guideCan You Reach Raw Land in Costilla County in Winter?
Raw land in Costilla County is reached by dirt roads, and winter snow can make them rough. An honest guide to what winter access really looks like — before you plan a January visit or a move-in date.
Read the guideWho you're dealing with
Hi, I'm Michael
I'm Michael. My wife and I run a small family land business, and we sell land with owner financing — no bank, no credit check, no proof of income. Our parcels are raw, vacant land in Costilla County, Colorado, and Navajo County, Arizona: quiet high-desert ground for camping, a slow off-grid setup, or a build someday with county permits.
Everything on this site is the honest version: what the access, water, and power situation really is for each parcel, and what to check with the county before you decide. If a parcel sounds right, tell me what you plan to use it for and I will send you the details and the terms for that parcel.