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FOR MORE INFO CALL :   1-800-239-LAND

Owner Financing

We offer 100% OWNER FINANCING on nearly all of our properties, nearly always requiring only $400 to cover all closing costs. Country Places, Inc. will finance a tract of land for up to 30 years with no prepayment penalties. In addition, anything paid over the regular payment will go towards the principal. The interest rate with nothing down starts at 8.5% and can be bought down with a down payment. Optionally, a down payment in increments of 5%, 10%, 15%, and 25% will each lowered the interest rate by 1 point, to a maximum low of 4.5%. The lowest rate is 4.5% with at least 25% down. For those who wish to purchase 2 tracts, a 5% down payment is required. We offer this flexible owner financing to make it easier for people to purchase land. We keep our contracts simple and straightforward with no hidden fees. Everything can be done via mail with notarized signatures. Going to the bank for a land loan is often difficult, very time consuming and even with a sizeable down payment the interest rates are often very high. We are here to help you attain your dream of owning a little piece of the country.

  • No Down Payment
  • No Credit Check
  • Low Closing Cost - $400 in nearly all cases
  • Loan Terms up to 30 years
  • No Prepayment Penalties
  • Extra amounts paid are applied to loan principal
  • APR rates as low as 4.5%
  • Fixed interest rates
  • Simple and straightforward contracts
  • No hidden fees
  • All paperwork can be completed via mail or other delivery service with notarized signatures
  • Discounts available for current or prior military service - Thank You!
  • Discounts available for cash purchases

Be sure to ask us about our military and cash purchase discounts!


The table below is an example of a $25,000 loan after paying the closing cost plus any down payment listed below.  Choose any loan term up to 30 years.  Examples of 20 and 30 year loan payments are shown.  Contact us to calculate any other term.  All interest rates are fixed rates.
 

$25,000 Loan
Payment Example

Down Payment

 

Interest Rate

 

30 Year Payment

 

20 Year Payment

0% ($0) - 8.5% APR - $192.23 - $216.96
5% ($1,250) - 7.5% APR - $166.06 - $191.33
10% ($2,500) - 6.5% APR - $142.22 - $167.75
15% ($3,750) - 5.5% APR - $120.66 - $146.18
25% ($6,250) - 4.5% APR - $95.00 - $118.62



Featured Land For Sale By Owner

Falcon Crest Tract 3
Falcon Crest Tract 3 Gurley, Alabama

3.95 Acres - Nice mountain land off of Blowing Cave Rd with awesome bluff views. Build your dream house on this Alabama owner financed land and have views that will make your friends jealous! Just (...)

$114,900
Grimsley Hills Tract 28
Grimsley Hills Tract 28 Grimsley, Tennessee

Residential and or Commercial Tract with frontage on US-127, home of the Worlds Longest Yard Sale. Have your business and your home on the same property!

$37,700
Apple Valley Tract 10
PENDING
Apple Valley Tract 10 Lancing, Tennessee

7.52 Acres - Private wooded tract on a private gravel road.

$42,800
Lonesome Valley Tract 7
Lonesome Valley Tract 7 Tazewell, Tennessee

5 Acres - Hill side East TN land for sale by owner with some nice flat land near the road that would be good for an RV. It would be pretty easy to get an RV onto this land and use it as a home base (...)

$26,900
Sugar Island - Tract D
Sugar Island - Tract D Sugar Island, Michigan

9.93 Acres on Sugar Island, Michigan - Land in a very secluded location with road frontage.

$29,700
Falcon Crest Tract 2
Falcon Crest Tract 2 Gurley, Alabama

3.03 Acres - Perfect land for a dream home. Build a cantilevered deck off of the bluff and have an entertaining capability that no one else could match. Treat your guests to views like they've never (...)

$89,500
4.6 acres Collinwood TN
4.6 acres Collinwood TN Waynesboro, Tennessee

Lots of road frontage on state hwy, possible commercial location, additional acreage available.

$29,700
Very private and no restrictions
Very private and no restrictions Somerset, Kentucky

Very private setting with a seasonal stream

$29,800
Huntsville Alabama Bluff Lot!
Huntsville Alabama Bluff Lot! Huntsville, Alabama

Location Location Location and Views Views Views

$89,900
Wilder TN with creek
SOLD
Wilder TN with creek Wilder, Tennessee

6.43 Acres - Hilly land with creek flowing through property.

$34,800
White Creek Acres
White Creek Acres Deer Lodge , Tennessee

White Creek Acres is a gated community located along the rolling hills of the Cumberland Plateau. This restricted 5.75 acre tract has over 100 feet of road frontage at the end of a road that ends in (...)

$59,500