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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



Featured Land For Sale By Owner

5 acres with creek!
PENDING
5 acres with creek! Liberty, Kentucky

Year round creek, pasture, woods and utilities near Liberty KY. WILL NOT LAST LONG!

$29,700
White Creek Acres Tract 16
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 (...)

$32,000
Burrville Rd. - Tract 4
SOLD
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
Falcon Crest Tract 6
Falcon Crest Tract 6 Huntsville, Alabama

Location Location Location and Views Views Views

$94,100
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
Falcon Crest Tract 2
PENDING
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
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
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
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
Clear Fork Acres Tract 2
SOLD
Clear Fork Acres Tract 2 Grimsley, Tennessee

5.03 Acres - Contact us for more info.

$30,400
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
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
Clear Fork Acres Tract 4
SOLD
Clear Fork Acres Tract 4 Grimsley, Tennessee

5.03 Acres - Contact us for more info.

$31,700
Beech Knob 49 Acre Tract
PENDING
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
Copper Ridge Tract 17
SOLD
Copper Ridge Tract 17 Eidson, Tennessee

5.57 Acres with an old hay shed - Owner financed East TN mini farm land with a large shed and power at the road. This is an ideal property for a mini farm with plenty of room on the top of the ridge (...)

$41,000
Copper Ridge Tract 3
SOLD
Copper Ridge Tract 3 Eidson, Tennessee

5.02 Acres - This owner financed East Tennessee land already has an old farm gate in place and a driveway leading onto the property. The property is open pasture with long distance views from (...)

$30,100
Collinwood Tract 6
Collinwood Tract 6 Collinwood, Tennessee

1.91 Acres - Contact us for more info.

$20,700
Collinwood Tract 2
PENDING
Collinwood Tract 2 Collinwood, Tennessee

2 Acres - Contact us for more info.

$17,900
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.

$24,775
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
Collinwood Tract 3
SOLD
Collinwood Tract 3 Collinwood, Tennessee

2.4 Acres - Contact us for more info.

$19,900
White Water Paradise 33 Acres
White Water Paradise 33 Acres Deer Lodge, Tennessee

33.93 Acres - Huge chunk of East Tennessee acreage for sale by owner with many water features and great privacy.

$219,100
Davis Creek - Tract 3
SOLD
Davis Creek - Tract 3 Sunbright, Tennessee

This unrestricted tract is located in Scott County,TN.,between the rural communities of Sunbright and Glenmary, TN. This tract is approximately 1 hour from Knoxville, Oak Ridge, or Crossville, TN. (...)

$72,700
Cumberland Cove Tract 2
Cumberland Cove Tract 2 Monterey, Tennessee

7.5 Acres - Contact us for more info.

$29,700
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
Blowing Cave Rd Tract H
PENDING
Blowing Cave Rd Tract H Gurley, Alabama

3 Acres - Contact us for more info.

$30,000

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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