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We offer 100% OWNER FINANCING on nearly all of our properties, nearly always requiring only $600 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 20% will each lower the interest rate by 1 point, to a maximum low of 4.5%. The lowest rate is 4.5% with at least 20% 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 On Most Properties
  • No Credit Check
  • Low Closing Cost - $600 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

The table below is an example of a $35,000 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.

$35,000 Loan
Payment Example

Down Payment

Interest Rate

30 Year Payment

20 Year Payment

0% ($0) - 8.5% APR - $269.12 - $303.74
5% ($1,750) - 7.5% APR - $232.49 - $267.86
10% ($3,500) - 6.5% APR - $199.10 - $234.86
15% ($5,250) - 5.5% APR - $168.92 - $204.65
20% ($7,000) - 4.5% APR - $141.87 - $177.14



 
 
 
 

Featured Land For Sale By Owner

Powell River Estates Tract 135
Powell River Estates Tract 135 Speedwell, Tennessee

242' of frontage on Norris Lake / Powell River. Great Fishing. Awesome location for a getaway cabin!

$42,700
Grimsley Hills Tract 6
Grimsley Hills Tract 6 Grimsley, Tennessee

1.569 Acres - Nice, owner financed land on a county maintained gravel road in Grimsley, TN

$19,300
Stockton Bluffs Tract 13
PENDING
Stockton Bluffs Tract 13 Allardt, Tennessee

5.33 Acres - Land with water, power, views and easy access for weekend camping.

$39,600
Falcon Crest 57 Acre Tract
Falcon Crest 57 Acre Tract Huntsville, Alabama

57 Acres - Only 20 minutes from Downtown Huntsville, very private, varied terrain and owner financing.

$165,500
Collinwood Tract 3
Collinwood Tract 3 Collinwood, Tennessee

2.4 Acres - Contact us for more info.

$19,900
Commercial 4.98A
Commercial 4.98A Sunbright, Tennessee

4.98 acres with highway frontage on highway 27. The land also goes down to an active railway system.

$135,000
Blowing Cave Rd Tract H
Blowing Cave Rd Tract H Gurley, Alabama

3 Acres - Contact us for more info.

$14,900
Morning Glory
SOLD
Morning Glory Oneida, Tennessee

69 Acres, Scott County, TN - If you'd like a large, private, self sustaining tract then this might be one of the best tracts out there. At 69 acres, this property is massive and its unique topology (...)

$165,000
Falcon Crest Tract 3
PENDING
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 (...)

$119,100
Falcon Crest Tract 6
Falcon Crest Tract 6 Huntsville, Alabama

Location Location Location and Views Views Views

$94,100
Goose Creek Estates Tract 29
PENDING
Goose Creek Estates Tract 29 Sunbright, Tennessee

Goose Creek - Tract 29 - Owner Financed TN land with a driveway.

$24,900
Paint Rock Creek Tract 6
Paint Rock Creek Tract 6 Huntsville, Tennessee

5.28 acres with large rock outcroppings, power and views! This tract drops down from the road frontage and is mountainous. There is a rough cut driveway onto the tract making it easier to get started (...)

$29,700
TN RIVER FRONTAGE!
COM_IPROPERTY_NEW
TN RIVER FRONTAGE! Cumberland Gap, Tennessee

200' of frontage on the Powell River. Great fishing, kayaking, canoeing. Build a cabin, bring a RV or camp.

$32,000
Burrville Rd. Tract 6
Burrville Rd. Tract 6 Sunbright, Tennessee

This 1.95 acres is located on Burrville Rd just a few minutes from Sunbright TN. This property is hilly with some level places. This property is completely wooded. Mobile Homes and Modular Homes are (...)

$23,700
Blowing Cave Rd Tract M
PENDING
Blowing Cave Rd Tract M Gurley, Alabama

2 Acres with financing- Contact us for more info.

$9,800
Grimsley Hills Tract 20
Grimsley Hills Tract 20 Grimsley, Tennessee

2.062 Acres - Nice owner financed land on a county maintained gravel road in Grimsley, TN with views of a small pasture.

$25,900
Paint Rock Creek Tract 2
COM_IPROPERTY_NEW
Paint Rock Creek Tract 2 Huntsville, Tennessee

5.04 acres with power, driveway and a small pond.

$33,700
Falcon Crest Tract 4
PENDING
Falcon Crest Tract 4 Gurley, Alabama

3.76 Acres - This is great owner financed land for building a dream home on! Look off your back porch and see forever! This land is available with our 100% owner financing and is just minutes from (...)

$121,700
Paint Rock Creek Tract 7
Paint Rock Creek Tract 7 Huntsville, Tennessee

5.32 acres with massive rock outcroppings, power and great views!

$27,700
11.3 secluded acres, walk to lake
11.3 secluded acres, walk to lake Speedwell, Tennessee

Level and hilly. Walk to the lake.

$37,300
Clear Fork Acres Tract 4
Clear Fork Acres Tract 4 Grimsley, Tennessee

5.03 Acres - Contact us for more info.

$31,700
Burrville Rd. - Tract 4
Burrville Rd. - Tract 4 Sunbright, Tennessee

This 1.87 acres is located on Burrville Rd just a few minutes from Sunbright TN. This property is lightly to moderately sloped, with some level places. This property is completely wooded. Mobile (...)

$19,900
Sugar Island Tract C
Sugar Island Tract C Sugar Island, Michigan

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

$29,700
Beech Knob 49 Acre Tract
Beech Knob 49 Acre Tract Gurley, Alabama

49.88 Acres - Large tract of owner financed land right outside of Huntsville Alabama. Contact us for more info.

$106,700
Wilder Acres Tract III-7A
PENDING
Wilder Acres Tract III-7A Wilder, Tennessee

3.87 Acres - Nice sized lot with power and water on a gravel road in Wilder, TN

$29,700
Tinch Ford Tract 3
Tinch Ford Tract 3 Allardt, Tennessee

9.72 Acres with power - Near the back of this property is a massive bluff wall. There is a trail that can be made from the top of the bluff to the bottom but it has a ~10' tall portion that will need (...)

$76,500
Clear Fork Acres Tract 2
Clear Fork Acres Tract 2 Grimsley, Tennessee

5.03 Acres - Contact us for more info.

$30,400
Tinch Ford Tract 5
Tinch Ford Tract 5 Allardt, Tennessee

8.24 Acres - The back of this land fronts the Clear Creek and has some flat rock shelfs/beaches at the water. There is a small, seasonal stream running through the tract that you can hear as you're (...)

$71,500
Collinwood Tract 6
Collinwood Tract 6 Collinwood, Tennessee

1.91 Acres - Contact us for more info.

$20,700
Clear Fork Acres Tract 30
Clear Fork Acres Tract 30 Grimsley, Tennessee

5.03 Acres with owner financing - This tract is one of our best. It is over 5 acres with plenty of flat land to do as you wish. There are mild restrictions on this tract. They include minimum size (...)

$34,600
Pawpaw Road 2 - Tract 1
Pawpaw Road 2 - Tract 1 Thorn Hill, Tennessee

11.29 acres on Pawpaw Road in Hancock County near Thorn Hill, Tennessee.

$45,300
Falcon Crest Tract 2
Falcon Crest Tract 2 Gurley, Alabama

3.03 Acres - Perfect land for a dream home. Treat your guests to views like they've never seen before! Lock in today's price on this tract and take advantage of our owner financing to secure an (...)

$93,700
Falcon Crest Tract 7
Falcon Crest Tract 7 Gurley, Alabama

1.90 Acres - Wooded Alabama land to build on off of Blowing Cave road in Madison County. This is a nice sized rural lot with owner financing not too far from Huntsville. Create a nice homestead for (...)

$58,900
Collinwood Tract 2
Collinwood Tract 2 Collinwood, Tennessee

2 Acres - Contact us for more info.

$17,900

Let Us Know What You're Looking For!

Many times, the best new properties go to customers who have already made contact with us. Often, even before we get pictures to put on the website. So, be sure to get in touch and let us know what you're looking for so you don't miss out on your dream property.

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