What is the interest rate for owner‑financed land in Navajo County?

The interest rate is 10% APR on every owner‑financed parcel.

Do I need a credit check to buy land with owner financing?

No. The owner carries the note, so there is no credit check, bank underwriting, or income paperwork.

Can I include property taxes in my owner‑financing payment?

Yes. Property taxes are included in the monthly payment and are paid by the owner until the deed is transferred.

What happens if I miss a payment on my owner‑financed land?

There is a 5‑day grace period on all payments. If you anticipate a problem, call or text the seller before or during that window.

Owner Financing for Land in Snowflake, Show Low & Other Northeast Arizona Towns

AZ Mountain Land sells parcels in the heart of the White Mountains – from Snowflake and Show Low to Heber‑Overgaard, Holbrook, Pinetop‑Lakeside and St. Johns. The company has completed more than 100 land transactions in Navajo County, and it handles every step of the sale in‑house, so you never need a separate lawyer or escrow company. Listings are posted on their website, and each shows the exact down‑payment and monthly figures for that parcel.

How does the financing rate work?

All owner‑financed parcels carry a 10% APR. The monthly payment can start as low as $200, and the term isn’t fixed – it lasts as long as the agreed monthly amount is needed to bring the balance to zero. If you put more than the minimum $500 down, your monthly payment drops and the loan finishes sooner, saving you interest. Because the owner carries the note, there’s no credit check, no bank underwriting, and no income paperwork required.

What are the upfront costs and fees?

There is no application fee, no origination fee, and no closing costs. The only money you pay at signing is the down payment, which starts at $500 but can be higher to reduce your monthly amount. The contract is signed online with an e‑signature, so you don’t need a lawyer, escrow agent, or a physical closing location.

How are property taxes handled?

Property taxes are rolled into your monthly payment, and AZ Mountain Land pays the county assessor during the financing term. Once the deed is recorded in your name, the County Assessor will bill you directly. For a clear picture of how Arizona property taxes are calculated, see the state’s property tax information.

Can I pay off the loan early or sell the land before it’s paid?

Yes. There is no prepayment penalty, so you can retire the balance at any time without extra cost. If you decide to sell the parcel before the balance is zero, the contract’s due‑on‑sale clause requires the remaining balance to be paid at closing. This protects both buyer and seller and keeps the financing clean.

What do I need to start the purchase?

First, choose a parcel from the current listings and review the figures shown. Because there’s no credit check, you can move straight to signing the Lease‑to‑Own Option to Purchase Agreement. Payments can be set up with autopay through Square, or you can receive a recurring invoice each month. For full details on the financing process, visit the company’s owner‑financing details page.