Owner financing
How owner financing works
We finance every property ourselves — no banks, no middlemen. Here’s exactly how it works, from picking your lot to closing.
The process, step by step
STEP 1
Pick your lot
Choose an available lot in any of our subdivisions and tell us which one. No agent runaround.
STEP 2
Simple application
We run a credit check, but we accept almost all credit — bad credit won’t disqualify you. It’s a $90 filing fee plus $50 per applicant, due at closing, plus prorated interest to the end of the month.
STEP 3
Low down payment
Put a little down to get started. Your credit score helps set the exact amount, so ask us about your situation.
STEP 4
30-year owner financing
We carry the note ourselves with straightforward 30-year terms. Rates run 9.99%–12.00% APR depending on the subdivision. Payments are set on a 30-year schedule with a 10-year balloon.
STEP 5
Utilities, when you’re ready
After three months of on-time payments, we can finance your septic, water, or electric package too.
Ready to move forward?
Give Patrick or Mayela a call and we’ll walk you through your situation — or start your application online whenever you’re ready.
Get started
Questions about financing?
Call or message our team — we'll walk you through the numbers for your situation, with zero pressure.