How 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.

Owner financing means you buy directly from me, not through a bank. There's no credit check and no proof-of-income requirement. You pay a down payment and a doc fee up front, then a monthly payment for a set number of months. The exact down payment, monthly payment, and term depend on the parcel — I'll give you the exact numbers for the parcel you're asking about when you message me about it.

When the payments are finished, you get a warranty deed — that's the document that transfers ownership to you. There's no prepayment penalty, so you can pay it off early if you want to.

Before you pay anything, check these four things, with any seller:

1. Check the seller is real: look the company up on its state's Secretary of State website, and read the full contract before you pay anything. If a seller won't share those, that's a reason to walk away. I'm happy to send the GPS pin for a parcel you're serious about, and to do a live video walk of the land so you can see it in real time. 2. Go see the land yourself, or have someone you trust go. You can walk any of our parcels anytime — no appointment needed. Drive the roads, check the ground, and confirm utilities yourself. 3. Check the county's rules for what you plan to do there — camping limits, building permits, water, and septic — before you plan around a longer stay or a build. Rules differ by county, and a seller's word is not a substitute for the county's answer. 4. Ask what happens if you change your mind. Here's my answer, and it's the same one I give in chat when someone is hesitant: if you go out to the property in the first 90 days and decide it's not for you, we'll refund you, except the doc fee. That applies to financed sales, and you need to be current on payments. I encourage you to verify everything independently during that window.

And a straight answer on fit: this isn't the right buy if you need to move onto the land next week, if you want to rent it out, or if you plan to live on it full time right away. If that's your plan, I'll say so honestly rather than sell you something that doesn't fit — and if you're looking for a weekend spot, a slow off-grid setup, or land to hold and build on someday with county permits, that's the buyer this land is actually for.