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Owner Financing

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 25% 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 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 - $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 $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

Keel Mountain 12.57 Acres
Keel Mountain 12.57 Acres Gurley, Alabama

12.57 Acres - Nice Alabama land for development off of Range Rd on Keel mountain. Plenty of usable land and has been pre-engineered for a 34 lot subdivision. This property sits very nicely and has (...)

$176,500
Paint Rock Creek Tract 35
Paint Rock Creek Tract 35 Huntsville, Tennessee

This is a beautiful 5.02 acre tract nestled deep within a mountain hollow. The property has Paint Rock Creek running through it. The terrain is fairly mountainous and would be an amazing setting for (...)

$41,700
Goose Creek Estates Tract 13
COM_IPROPERTY_NEW
Goose Creek Estates Tract 13 Sunbright, Tennessee

5.54 Acres - Contact us for more info.

$33,700
Goose Creek Estates Tract 16
Goose Creek Estates Tract 16 Sunbright, Tennessee

5.03 Acres - Great land for a Tiny Home or weekend RV camping. This tract will need to be cleared but has some level areas near the road. It slopes back to the bottom of a hollow and overlooks a (...)

$25,900
Paint Rock Creek Tract 36
Paint Rock Creek Tract 36 Huntsville, Tennessee

This is a beautiful 5.14 acre tract nestled deep within a mountain hollow with a small pond. The property has Paint Rock Creek running through it. The terrain is fairly mountainous and would be an (...)

$42,700
Goose Creek Estates Tract F
Goose Creek Estates Tract F Sunbright, Tennessee

5.34 acres in Morgan County, TN.

$33,700
Goose Creek Estates Tract 44
Goose Creek Estates Tract 44 Sunbright, Tennessee

9.26 Acres - This is a large property with great features. There is a good bit of road frontage giving you many options as to where you can put in a driveway. The topology isn't really steep through (...)

$43,800
Tinch Ford Tract 2
Tinch Ford Tract 2 Allardt, Tennessee

8.37 Acres - The western edge of this property fronts a small, seasonal stream. Near the middle of the property is a large bluff with a nice sized cave carved out. The cave has a passageway that (...)

$65,700
Tinch Ford Tract 4
Tinch Ford Tract 4 Allardt, Tennessee

12.24 Acres - There is a rough driveway onto the front of this tract. The terrain is relatively flat to rolling from the front to the bluff. About midway back on this tract is a large bluff wall with (...)

$76,500
Stockton Bluffs Tract 28R
Stockton Bluffs Tract 28R Allardt, Tennessee

12.74 Acres - You could camp under your own massive boulder on this property. There are massive rock formations throughout the property that make for great exploring. The property drops off quickly (...)

$62,500
Goose Creek Estates Tract 51
Goose Creek Estates Tract 51 Sunbright, Tennessee

Goose Creek - Tract 51

$41,000
Goose Creek Estates Tract C
Goose Creek Estates Tract C Sunbright, Tennessee

5.03 acres ideal for homesteading and an off grid life with nice views of surrounding ridges. This land has a good amount of level terrain near the road and rolls back to where it drops down to a wet (...)

$34,750
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
Goose Creek Estates Tract 6
Goose Creek Estates Tract 6 Sunbright, Tennessee

5.68 Acres - This property has a short driveway cut onto the very front of the tract. More clearing would be needed to get back to level off a homesite further back. There is a small seasonal branch (...)

$33,700
Stockton Bluffs Tract 14
Stockton Bluffs Tract 14 Allardt, Tennessee

5.27 Acres - Land with a massive rock wall, views and a spring.

$65,000
Sharp's Chapel III Tract 4
Sharp's Chapel III Tract 4 Sharp's Chapel, Tennessee

5 acres with power in Sharp's Chapel, TN

$32,500
Collinwood Tract 13
Collinwood Tract 13 Waynesboro, Tennessee

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

$29,700
Chestnut Way Tract 8
Chestnut Way Tract 8 Gradyville, Kentucky

5.82 acres - Contact us for more info.

$23,900
Tinch Ford Tract 3
Tinch Ford Tract 3 Allardt, Tennessee

9.72 Acres - 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 to be (...)

$74,500
Bear Valley Tract 2
Bear Valley Tract 2 Sevierville, Tennessee

Bear Valley lot 2 is a .884 acre lot located in Sevierville,TN. This property has a septic system for a 1 bedroom. This property is very hilly and has mountain views. Located on a dead end road in (...)

$29,700
Goose Creek Estates Tract 50
Goose Creek Estates Tract 50 Sunbright, Tennessee

Goose Creek - Tract 50 - 5.86 Acres

$41,000
Ledges Tract 11
Ledges Tract 11 Crawford, Tennessee

6.57 Acres - Secluded acreage on dead end private road. Perfect for mini farm or homesteading. RVs or Tiny Houses allowed. Contact us for more info.

$27,800
Obed Scenic Tract 50R
COM_IPROPERTY_NEW
Obed Scenic Tract 50R Wartburg, Tennessee

10 Acres - Contact us for more info.

$48,600
Old Springs Tract 15
Old Springs Tract 15 Maynardville, Tennessee

5.2 acres in Maynardville, TN

$26,900
Stockton Bluffs Tract 19
Stockton Bluffs Tract 19 Allardt, Tennessee

5.07 Acres - This property has frontage on paved Stockton Road with power and water available. The terrain is gently rolling throughout the property. The tract is completely wooded with mix of fairly (...)

$63,500
Goose Creek Estates Tract 41
Goose Creek Estates Tract 41 Sunbright, Tennessee

5.51 Acres - This tract is wooded with mostly young growth and a few larger trees scattered around the property. A nice sized area exists near the road that wouldn't be too difficult to clear of the (...)

$33,700
Goose Creek Estates Tract 40
Goose Creek Estates Tract 40 Sunbright, Tennessee

5.21 Acres - This tract has some flat areas near the front and has a valley that runs down the rest of the property. You could probably get on to the tract with just some hand clearing at first. The (...)

$33,700
Collinwood Tract 11
Collinwood Tract 11 Collinwood, Tennessee

1.54 Acres - Contact us for more info.

$16,900
Apple Valley Tract 5
Apple Valley Tract 5 Lancing, Tennessee

Apple Valley Tract 5 - 5.38 Acres

$35,800
Cedar Rock Tract 2R
Cedar Rock Tract 2R Pelham, Tennessee

6.41 Acres in Franklin County. Contact us for more info.

$19,700
Clear Fork Acres Tract 8
Clear Fork Acres Tract 8 Grimsley, Tennessee

5 Acres - Contact us for more info.

$34,500
Stockton Bluffs Tract 10R
Stockton Bluffs Tract 10R Allardt, Tennessee

11.43 Acres - Near the front of the tract is a small, finger like knoll that would be a picturesque setting for a small cabin with views. At that spot is a small rocky bluff with a small (...)

$56,700
Goose Creek Estates Tract 57
Goose Creek Estates Tract 57 Sunbright, Tennessee

12 Acres - This is a unique tract with plenty of road frontage. The property is somewhat mountainous but you have access from the top, middle and bottom of the property. There is an existing driveway (...)

$51,700
Sugar Hollow Tract 2
Sugar Hollow Tract 2 Speedwell, Tennessee

5.8 Acres - Hill side tract next to Norris Lake in Speedwell, TN. This tract is close to the Powell River and a public boat ramp is less than a mile away.

$25,200
Halls Ridge Tract 7
Halls Ridge Tract 7 Speedwell, Tennessee

Year round stream, private setting, views.

$25,800
Stockton Bluffs Tract 9R
Stockton Bluffs Tract 9R Allardt, Tennessee

6.78 Acres - This land has a fairly steep access road leading down to a beaver dam area and the creek frontage. There is a unique peninsula going out into the beaver dam area that gives a nice view (...)

$32,500

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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