How owner financing works.
Owner-financed rural land from $99/month. No banks, no credit check. Here’s how buying from us works, start to finish.
Simple terms, stated up front.
You make a down payment and monthly payments directly to us instead of applying for a bank mortgage. The exact numbers for each property are posted on its page.
No banks, no credit check
You buy directly from us under a land contract. There is no bank approval and no credit check.
0% owner financing
We offer a simplified path to land ownership through 0% owner financing.
Monthly payments from $99
Each property page lists its down payment, monthly payment, and term length. A $10/month note processing fee is included in the monthly payment.
$249 document fee
Paid with your down payment. It covers preparing the contract and the recording fees with the county.
Taxes included monthly
The annual property taxes are split into monthly payments while you are under financing, and we make sure the tax bill is paid.
No prepayment penalty
There is no penalty or fee for making extra payments or paying off your land early.
Five steps from first call to deed.
Talk with Eric
We'll discuss the property, your intended use, the financing terms, and any questions you have.
Reserve your property
We'll email you a secure GeekPay link to pay the down payment and $249 document fee.
Review & sign
Your contract documents come through SignNow for you to review and sign.
Set up monthly payments
We'll get you set up with automatic monthly payments through GeekPay.
Receive your deed
Once all payments are received, we submit the signed deed to the county for recording.
Want to see what the paperwork looks like? Seller Financing Sample Contract
What you can do on the land while you’re paying.
Okay while under financing
- Visit and use the property.
- Put in pads and fences, and clear trees. These minor improvements are fine during the financing period.
- Bigger things wait until your note is paid off, like living on the land, permanent structures, and work that needs a county permit.
- View your loan in GeekPay, see your balance, and make extra payments anytime.
Wait until it’s paid off
- Living on the property.
- Building a permanent structure.
- Work that needs a county permit, like septic or connecting utilities.
Every property is unique. We list county restrictions on each property page, but please contact the county directly to verify your intended use. If you need to live on the land right away, owner financing may not be the best fit.
What happens if I miss a payment?
We have a grace period of 5 days applied to all land contracts. If the payment is more than 5 days late, then a $25 late fee is applied to that payment.
You will have 35 days to make the payment (including the late fee). After 35 days, we will send you notice stating that after an additional 30 days, we will foreclose on the property if full payment is not received. In total, you will have 65 days to get the balance caught up before we foreclose the property and begin marketing it for resell.
What happens when I pay off the property?
Once the property is paid in full, we will get the new deed signed to your name and recorded with the county. We will then send the recorded deed in a closing package for your records. At that point, the property belongs to you and you can pull permits and do anything that the county allows.
We offer a 90-day money-back guarantee.
We want you to feel fully satisfied and excited about your land purchase. Every owner-financed purchase comes with a 90-day money-back guarantee.
If, after signing the land contract, you decide the property isn’t the right fit, or simply change your mind, contact us within the 90-day period. We’ll either trade your property for another that’s a better fit or give a full refund (minus doc fees).
*Applies to owner-financed purchases only. Documentation preparation fees are non-refundable.
Ready to find your land?
Browse the available properties, or tell me what you’d like to do with the land and I’ll give you a straight answer on whether it’s a good fit. There’s no obligation to buy.
eric@vvlands.com
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