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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

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
Clear Fork Acres Tract 4
Clear Fork Acres Tract 4 Grimsley, Tennessee

5.03 Acres - Contact us for more info.

$31,700
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 (...)

$25,700
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
Chestnut Way Tract 8
Chestnut Way Tract 8 Gradyville, Kentucky

5.82 acres - Contact us for more info.

$23,900
Belgin's Run Tract 8B
Belgin's Run Tract 8B Bull's Gap, Tennessee

16.62 acres in Bulls Gap, TN (Hawkins County) This 16.62 acre tract is located on a private gravel road that will require four wheel drive for access. The tract is wooded with many large (...)

$49,800
Goose Creek Estates Tract 39
PENDING
Goose Creek Estates Tract 39 Sunbright, Tennessee

5.79 Acres Secluded and nice level ground with decent trees along Goose Creek Run Road

$33,700
Goose Creek Estates Tract C
SOLD
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
Collinwood Tract 10
Collinwood Tract 10 Collinwood, Tennessee

1.88 Acres - Contact us for more info.

$17,500
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 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 (...)

$86,500
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
Collinwood Tract 6
Collinwood Tract 6 Collinwood, Tennessee

1.91 Acres - Contact us for more info.

$20,700
Goose Creek Estates Tract I
PENDING
Goose Creek Estates Tract I Sunbright, Tennessee

9.21 acres - Here is something we don't come across very often. Great hunting land with a usable hunting blind on it. This property has seen its share of animals. Turkey, deer , hogs. squirrel, bear (...)

$39,900
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
Stockton Bluffs Tract 15
PENDING
Stockton Bluffs Tract 15 Allardt, Tennessee

6.91 Acres - This land has one of the most amazing rock formations I've ever seen. It has a MASSIVE bluff that will leave you awe struck. The rock features, springs and large trees will give you the (...)

$65,000
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 (...)

$119,100
Hensley Road Tract 1
SOLD
Hensley Road Tract 1 Deer Lodge, Tennessee

Well and electric already on the property. Unrestricted land in a secluded location.

$44,500
Wildcat Ridge - Phase 4 - Tract 6
COM_IPROPERTY_NEW
SOLD
Wildcat Ridge - Phase 4 - Tract 6 Somerset, Kentucky

5 rural acres with road frontage.

$28,000
Clear Fork Acres Tract 10
Clear Fork Acres Tract 10 Grimsley, Tennessee

6.14 Acres - Nice owner financed land with plenty of paved frontage, power and water.

$41,900
Red Hill Tract 6
PENDING
Red Hill Tract 6 Sunbright, Tennessee

5 Acres - This is a level to rolling tract in Morgan County, TN. This property would be ideal for a wooded homesite with good privacy. With some clearing, this property would also be ideal for (...)

$29,700
Blowing Cave Rd Tract M
Blowing Cave Rd Tract M Gurley, Alabama

2 Acres with financing- Contact us for more info.

$9,800
Cumberland Cove Tract 2
Cumberland Cove Tract 2 Monterey, Tennessee

7.5 Acres - Contact us for more info.

$29,700
Chatuga Coves Tract 25
Chatuga Coves Tract 25 Loudon, Tennessee

0.26 Acre building lot - Contact us for more info.

$7,700
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
Collinwood Tract 11
Collinwood Tract 11 Collinwood, Tennessee

1.54 Acres - Contact us for more info.

$16,900
Goose Creek Estates Tract G
Goose Creek Estates Tract G Sunbright, Tennessee

6.07 off-grid acres with beautiful views.

$30,800
Blowing Cave Rd Tracts G&F
Blowing Cave Rd Tracts G&F Gurley, Alabama

4.22 Acres - Contact us for more info.

$149,500
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.

$57,950
Wilder Acres Tract III-7A
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
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
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
Beech Knob 43 Acre Tract
Beech Knob 43 Acre Tract Gurley, Alabama

43.72 Acres - Large piece of owner financed land right outside of Huntsville Alabama with two small waterfalls and a natural pit.

$103,700
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 (...)

$80,500
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
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
Falcon Crest Tract 6
Falcon Crest Tract 6 Huntsville, Alabama

Location Location Location and Views Views Views

$94,100
Burrville Rd. Tract 7
Burrville Rd. Tract 7 Sunbright, Tennessee

This 1.05 acres is located on Burrville Rd just a few minutes from Sunbright TN. This property is wooded and on a hillside. Mobile Homes and Modular Homes are not permitted. There is no minimum (...)

$16,400
Powell River Estates Tract 120&125
Powell River Estates Tract 120&125 Speedwell, Tennessee

This 8 acres is extremely secluded and would be ideal for an off the grid getaway. A 4x4 vehicle would be best for accessing this property but with some road maintenance (it is a private rd.) a 2 (...)

$55,500
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
Collinwood Tract 3
Collinwood Tract 3 Collinwood, Tennessee

2.4 Acres - Contact us for more info.

$19,900
Collinwood Tract 9
Collinwood Tract 9 Collinwood, Tennessee

1.5 Acres - Contact us for more info.

$15,900
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
Wildcat Ridge - Phase 4 - Tract 5
COM_IPROPERTY_NEW
PENDING
Wildcat Ridge - Phase 4 - Tract 5 Somerset, Kentucky

19.05 rural acres with 100% Owner Financing.

$57,150
Fairfield Glade Tract 9
Fairfield Glade Tract 9 Fairfield Glade, Tennessee

0.42 Acres - Golf course lot in Fairfield Glade community.

$7,700

FILL OUT OUR BUYER QUESTIONNAIRE TO GET $50 OFF OF YOUR CLOSING COSTS!

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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