Owner Finance FAQ

Common Questions

Everything you need to know about buying land on owner finance terms.

How does buying owner-financed land here actually work?

You pick a parcel, choose a down payment and a monthly amount, and sign the contract online — most buyers are done in about fifteen minutes. There is no bank, no loan application and no credit check, because we own the land outright and finance it ourselves. The checkout holds the parcel for you while you finish signing so nobody else can buy it out from under you.

From that point you are the owner on a recorded contract, not a tenant. You make monthly payments at 10% APR with no prepayment penalty, and when the balance is paid the deed transfers to you free and clear. Down payments start at $500 and monthly payments at $200, and everything — contract, signing, notarisation and recording with Navajo County — can be completed remotely.

The answers below are the questions we are asked most often, in the order they usually come up. If yours is not here, call or text Sam directly — a real person answers, and there is no sales script.

What is the interest rate on owner-financed land?

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We charge 10% APR (annual percentage rate) on all owner-financed land. There is no prepayment penalty — you can pay off your balance at any time at no extra cost.

Do I own the land while making payments?

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Yes. You have full rights to use the property from the day you sign. The deed is officially transferred into your name upon completion of all payments — we handle the county recording.

Can I build on the land while still making payments?

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Yes, you can use and build on the property while making payments — the land is yours to enjoy from day one. That said, we advise completing your payments before major construction, because getting a construction loan is much easier once the property is paid off and the deed is in your name.

What if I want to sell the land before I finish paying it off?

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Our contracts include a due-on-sale clause. If you sell the property before the balance is paid off, the remaining balance becomes due in full at the time of sale. You can use the sale proceeds to satisfy it — no problem if the sale covers it.

Are property taxes included in my monthly payment?

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Yes. Property taxes are included in your monthly payment — we handle them on your behalf. You won't receive a separate tax bill.

What happens if I miss a payment?

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We provide a 5-day grace period on all payments. If you're running into a tough month, call or text Sam at 928-224-8264 before or during that window — we work with people.

Is there a balloon payment?

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No. There is no balloon payment. You make consistent monthly payments until the balance is paid, and you can pay off the full remaining balance at any time with no penalty.

What counties are your properties in?

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We have properties across most Arizona counties. The majority of our listings are in Navajo County and Apache County, with additional properties in Gila County — all in the northeast Arizona / White Mountains region.

Can I visit the property before buying?

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Yes — we encourage it. Every listing includes GPS coordinates you can drop into Google Maps. The land is accessible before you buy, and we're happy to point you in the right direction.

Can I put a manufactured home or mobile home on this land?

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Generally yes — most of our rural Arizona properties allow manufactured and mobile homes. We recommend contacting the county planning department to confirm your specific plans before purchasing. We're happy to help you find the right county contact.

Are there HOA fees?

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Most of our rural properties have no HOA. If a parcel has HOA dues, that's noted directly in the listing.

How do I sign? Do I need a lawyer or escrow?

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The entire process is 100% online. From signing the purchase contract via e-signature to recording the deed — all handled through our website using remote online notaries. No lawyer, no escrow company, no closing costs, no surprises.

Can I pay it off early?

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Yes. No prepayment penalty. Pay off the remaining balance at any time and we record the warranty deed to you promptly.

I'm selling land — how does your cash buying process work?

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Simple: fill out the sell form with basic property info. We research the parcel and call you within 24 hours with a cash offer — no obligation. If you accept, we set a closing date, handle all the paperwork, and wire you the money. No realtor fees, no commissions.

Still have questions?

We respond fast. Call, text, or use the contact form.

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