Owner Financing
No bank. No credit check. Just a small down payment and affordable monthly payments. We make land ownership possible for everyone.
How Owner Financing Works
No Bank Required
You buy directly from Land Baron Inc. — no mortgage company, no bank approval process, no waiting weeks for a decision.
No Credit Check
We don't check your credit score. Period. We believe everyone deserves a chance to own land, regardless of credit history.
Low Down Payment
Down payments start at just 5% of the lot price. For a $55,000 lot, that's as low as $2,750 to get started.
Affordable Monthly Payments
We offer terms up to 30 years at 10% interest to keep your monthly payments comfortable. Most payments range from $450 to $1,900/month depending on the lot.
Warranty Deed at Closing
You receive a warranty deed at closing. Financing is secured by a deed of trust and promissory note — standard closing documents, just like a traditional purchase.
No Prepayment Penalties
Want to pay off your land early? Go for it. There are no penalties for extra payments or early payoff.
Payment Examples
| Lot Price | Down Payment (5%) | Est. Monthly* | Term |
|---|---|---|---|
| $55,000 | $2,750 | ~$458 | Up to 30 years |
| $100,000 | $5,000 | ~$833 | Up to 30 years |
| $180,000 | $9,000 | ~$1,500 | Up to 30 years |
| $225,000 | $11,250 | ~$1,876 | Up to 30 years |
* Estimated monthly payments at 10% interest over 30 years. Actual terms, rates, and payments may vary by property and are subject to final approval. Contact us for exact figures.
Get Started in 3 Steps
Call Us
Call (903) 751-3771 or fill out our contact form. We'll answer your questions in English or Spanish.
Tour the Land
Schedule a free tour. We'll walk the property with you and help you choose the right lot.
Sign & Own
Make your down payment, receive your warranty deed at closing, and start making affordable monthly payments. Done.
Financing FAQ
With owner financing, you buy directly from us — no bank involved. You make a small down payment (as low as 5%) and then affordable monthly payments at 10% interest with terms up to 30 years. You receive a warranty deed at closing, and the financing is secured with standard closing documents. No credit check required.
Our minimum down payment is 5% of the lot price. For example, on a $45,000 lot, your down payment would start at $2,250. We're happy to work with you on a plan that fits your budget.
Monthly payments vary by lot price and down payment, but typically range from $300 to $1,100 per month. We offer seller-financing terms up to 30 years at 10% interest to keep payments comfortable.
Yes! There are no prepayment penalties. You can pay extra any time or pay off the balance whenever you're ready.
Yes. Buyers receive a warranty deed at closing.
No. Land Baron sells land with a warranty deed. You receive your warranty deed at closing, and the financing is secured by a deed of trust and promissory note — standard real estate closing documents.
Seller-financing terms may be available up to 30 years at 10% interest, depending on the property and final approval.
Ready to Own Your Land?
No credit check, no bank, just affordable payments. Give us a call today.