Land Contracts - Flexible Path to Ownership
Seller-financed agreements with flexible terms and immediate equitable interest in your property.
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Flexible Terms
Negotiate terms that work for your financial situation.
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Immediate Ownership
Gain equitable interest in the property from day one.
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Faster Closing
Close faster without traditional bank approval processes.
How Land Contracts Work
1
Find Your Property
Browse our available properties and select your future home.
2
Negotiate Terms
Work with us to establish down payment, interest rate, and payment schedule.
3
Sign Contract
Execute the land contract agreement with all terms clearly defined.
4
Make Payments
Make monthly payments directly to us until the contract is paid in full.
Land Contract Requirements
- ✓Down payment (typically 10-20%)
- ✓Proof of income and employment
- ✓Acceptable credit history
- ✓Property insurance
- ✓Commitment to property maintenance
- ✓Understanding of contract terms and obligations
Inquire About Land Contracts
Fill out the form below and we'll get back to you within 24 hours.
Frequently Asked Questions
A land contract (also called a contract for deed) is a seller-financed agreement where you make payments directly to the seller over time. You gain equitable interest immediately but receive the deed only after the contract is paid in full.
With a land contract, the seller retains legal title until you've paid in full, while you have equitable interest. With a mortgage, you receive the deed immediately and the bank holds a lien. Land contracts often have more flexible qualification requirements.
Missing payments can result in default of the contract. However, we work with buyers facing temporary hardships. It's important to communicate with us immediately if you're having difficulty making payments.
Yes! Most land contracts allow early payoff without penalty. This can save you money on interest and help you gain full ownership sooner.
As the buyer under a land contract, you're typically responsible for property taxes, insurance, and maintenance, just as you would be with a traditional mortgage.
Sample Land Contract Documents
Download sample agreements and forms. These are for informational purposes only and should be reviewed by a qualified attorney.
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