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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
  • We are proud to support our active duty and military Veterans who give their all to protect our freedoms. In order to provide a "thank you," we offer a 5% military discount on all of our land for sale.
  • 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

Collections Policy

We understand that these are somewhat difficult financial times, and we believe that an understanding of our policies will enable each of our customers to eventually pay out the land that has been contracted. A copy of our collection policy is available here.

Featured Land For Sale By Owner

Collinwood Tract 2
PENDING
Collinwood Tract 2 Collinwood, Tennessee

2 Acres - Contact us for more info.

$17,900
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
Wilder Acres Phase 3 Tract 5
PENDING
Wilder Acres Phase 3 Tract 5 Wilder, Tennessee

These 3 adjacent unrestricted tracts (5.07, 5.9, and 8.19 acres) are perfect for small homestead, getaway, or residence. These unrestricted tracts are located on the Cumberland Plateau in Wilder, TN (...)

$37,800
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
Falcon Crest Tract 4
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
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
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
Tinch Ford Tract 5
PENDING
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
Falcon Crest Tract 6
Falcon Crest Tract 6 Huntsville, Alabama

Location! Location! Location! and Views! Views! Views!

$94,100
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
Clear Fork Acres Tract 2
Clear Fork Acres Tract 2 Grimsley, Tennessee

5.03 Acres - Contact us for more info.

$30,400
Cedar Shores Tract 3
PENDING
Cedar Shores Tract 3 Harrogate, Tennessee

18.32 acres on the beautiful Powell River. Bring your fishing pole or set off on a kayaking adventure. This property would be an ideal recreational getaway that your family and friends can enjoy (...)

$69,800
Collinwood Tract 6
PENDING
Collinwood Tract 6 Collinwood, Tennessee

1.91 Acres - Contact us for more info.

$20,700
Cedar Shores Tract 1
PENDING
Cedar Shores Tract 1 Harrogate, Tennessee

Great recreational land in East Tennessee with owner financing. This property fronts the Powell River and also borders a state wildlife management area.

$89,300
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
Cumberland Cove Tract 2
Cumberland Cove Tract 2 Monterey, Tennessee

7.5 Acres - Contact us for more info.

$29,700

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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