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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 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 $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
20% ($5,000) - 4.5% APR - $101.34 - $126.53



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
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
Apple Valley Tract 10
COM_IPROPERTY_NEW
Apple Valley Tract 10 Lancing, Tennessee

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

$42,800
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
Falcon Crest Tract 6
COM_IPROPERTY_NEW
Falcon Crest Tract 6 Huntsville, Alabama

Location Location Location and Views Views Views

$94,100
Apple Valley Tract 5
Apple Valley Tract 5 Lancing, Tennessee

Apple Valley Tract 5 - 5.38 Acres

$35,800
Petticoat Junction Tract 6 & 6A
Petticoat Junction Tract 6 & 6A Washburn, Tennessee

7.06 Acres - Hill side East TN land with good views and a nice Southern exposure for solar and Earth Sheltered homes. This land comes in two tracts separated by an old railroad line that cuts through (...)

$29,800
Clear Fork Acres Tract 12
Clear Fork Acres Tract 12 Grimsley, Tennessee

6.15 Acres - Great horse property in Tennessee with 100% owner financing. This property sits very nicely and has plenty of choices for homesites.

$42,300
Chestnut Way Tract 9
COM_IPROPERTY_NEW
Chestnut Way Tract 9 Gradyville, Kentucky

8.64 Acres - Contact us for more info.

$38,400
Collinwood Tract 2
COM_IPROPERTY_NEW
Collinwood Tract 2 Collinwood, Tennessee

2 Acres - Contact us for more info.

$17,900
Pleasant Hills Tract 1
COM_IPROPERTY_NEW
Pleasant Hills Tract 1 Tazewell, Tennessee

5.7 Acres with a spring! This property has a leveled spot that would be ideal for a cabin, RV or mobile home.

$18,800
Collinwood Tract 11
COM_IPROPERTY_NEW
Collinwood Tract 11 Collinwood, Tennessee

1.54 Acres - Contact us for more info.

$16,900
Collinwood Tract 6
COM_IPROPERTY_NEW
Collinwood Tract 6 Collinwood, Tennessee

1.91 Acres - Contact us for more info.

$20,700
Poplar Cove Creek Tract 4
SOLD
Poplar Cove Creek Tract 4 Jamestown, Tennessee

9.12 Acres - Contact us for more info.

$56,900
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
Belgin's Run Tract 8A
SOLD
Belgin's Run Tract 8A Bull's Gap, Tennessee

13.59 Acres - If you want secluded East Tennessee land for sale by owner, then this is it. This land is flag shaped where it has a fairly wide access portion (~120 ft wide) that leads back to where (...)

$47,600
Burrville Rd. - Tract 4
COM_IPROPERTY_NEW
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
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
Goose Creek Estates Tract 46+47
PENDING
Goose Creek Estates Tract 46+47 Sunbright, Tennessee

11.39 Acres - A larger property with nice views. This property is fairly mountainous with some nice features. There is a rocky branch running through the middle of the property with seasonal water (...)

$35,900
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
Goose Creek Estates Tract 43
SOLD
Goose Creek Estates Tract 43 Sunbright, Tennessee

5.6 Acres - This land has a driveway and leveled portion near the road where an old gas well was capped. The property slopes back and has a small, seasonal branch. There is a knoll midway back with (...)

$33,700
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
Clear Fork Acres Tract 4
COM_IPROPERTY_NEW
Clear Fork Acres Tract 4 Grimsley, Tennessee

5.03 Acres - Contact us for more info.

$31,700
Collinwood Tract 9
COM_IPROPERTY_NEW
Collinwood Tract 9 Collinwood, Tennessee

1.5 Acres - Contact us for more info.

$15,900
Clear Fork Acres Tract 8
PENDING
Clear Fork Acres Tract 8 Grimsley, Tennessee

5 Acres - Contact us for more info.

$34,500
Falcon Crest Tract 7
COM_IPROPERTY_NEW
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
Bailey Hollow Tract 29
COM_IPROPERTY_NEW
Bailey Hollow Tract 29 Tazewell, Tennessee

Additional info coming soon. Contact us to find out more before it's gone!

$39,900
Comby Ridge
SOLD
Comby Ridge Tazewell, Tennessee

This land consists of 25.93 surveyed acres. The land is just off of Upper Caney Valley Road in Tazewell, TN. This is in Claiborne County just off hwy 25E. The property is mostly wooded and already (...)

$72,400
White Creek Acres Tract 16
COM_IPROPERTY_NEW
White Creek Acres Tract 16 Deer Lodge , Tennessee

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

$29,990
Stockton Bluffs Tract 13
Stockton Bluffs Tract 13 Allardt, Tennessee

5.33 Acres - Land with a driveway and views.

$65,000
Burrville Rd. Tract 5
Burrville Rd. Tract 5 Sunbright, Tennessee

This 2.04 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 (...)

$21,500
Goose Creek Estates Tract 13
Goose Creek Estates Tract 13 Sunbright, Tennessee

5.54 Acres - Goose Creek tract 13 has many features to it including a rough driveway leading to a cleared area. This property has plenty of flat land and loads of blueberry bushes on it as well as (...)

$33,700
Blowing Cave Rd Tract M
COM_IPROPERTY_NEW
Blowing Cave Rd Tract M Gurley, Alabama

2 Acres with financing- Contact us for more info.

$9,800
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
Goose Creek Estates Tract 42
Goose Creek Estates Tract 42 Sunbright, Tennessee

5.32 Acres - This property has a nice amount of flat land at the front. The property then slopes down and has some nice views off of the back. With some light clearing, this tract would be ideal for (...)

$33,700
Goose Creek Estates Tract 6
PENDING
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

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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