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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
  • 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

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
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
Goose Creek Estates Tract 9
Goose Creek Estates Tract 9 Sunbright, Tennessee

5.95 Acres - This property has a rough driveway cut onto the land. It would need to be cleaned up a bit to be able to get most vehicles on it. There are a few walking paths cleared across the (...)

$35,800
Obed Scenic Tract 50R
Obed Scenic Tract 50R Wartburg, Tennessee

10 Acres - Contact us for more info.

$48,600
Sugar Island Tract A
Sugar Island Tract A Sugar Island, Michigan

9.88 Acres on Sugar Island, Michigan - Land in a very secluded location with road frontage.

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

5.19 acres ideal for a mini-farm.

$28,900
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 13
Stockton Bluffs Tract 13 Allardt, Tennessee

5.33 Acres - Land with a driveway and views.

$65,000
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 46+47
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 (...)

$39,900
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
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
Poplar Cove Creek Tract 1
Poplar Cove Creek Tract 1 Jamestown, Tennessee

This 5.84 acre property has around 800 feet of some of the most beautiful creek frontage that I’ve ever hiked.

$50,000
Collinwood Tract 13
Collinwood Tract 13 Waynesboro, Tennessee

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

$29,700
Clear Fork Acres Tract 8
Clear Fork Acres Tract 8 Grimsley, Tennessee

5 Acres - Contact us for more info.

$34,500
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 (...)

$55,500
Apple Valley Tract 5
Apple Valley Tract 5 Lancing, Tennessee

Apple Valley Tract 5 - 5.38 Acres

$35,800
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
Petticoat Junction Tract 5
COM_IPROPERTY_NEW
Petticoat Junction Tract 5 Washburn, Tennessee

5.43 Acres - Hill side tract with good views and a nice Southern exposure for solar and Earth Sheltered homes.

$29,700
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
Golf Course Lot. Fairfield Glade
Golf Course Lot. Fairfield Glade Fairfield Glade, Tennessee

Golf course lot in Fairfield Glade community. Cul-de-sac lot overlooks fairway of golf course. There is also a stream flowing through this property.

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

5.82 acres - Contact us for more info.

$23,900
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
Falcon Crest Tract 5
PENDING
Falcon Crest Tract 5 Gurley, Alabama

4.34 Acres - Perfect owner financed land for building your own mansion with an awesome view for miles. Retreat from the day to your homestead with bluff views outside of Huntsville, AL. This land is (...)

$131,500
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 restricted 5.75 acre tract has over 100 feet of road frontage at the end of a road that ends in (...)

$59,500
Stockton Bluffs Tract 5
Stockton Bluffs Tract 5 Allardt, Tennessee

5.01 Acres - This property has frontage on both roads in Stockton Bluffs. The terrain is hilly but manageable with some level spots scattered throughout. The property is wooded with a wide mix of (...)

$36,000
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
Windcrest Drive Tract 23
Windcrest Drive Tract 23 Fentress, Tennessee

Windcrest drive is a small but nice tract. It lays flat, has access to power and water, in a nice wooded area and very close to picket state park and big south fork. This property would be perfect (...)

$9,700
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
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
Commercial 4.98A
Commercial 4.98A Sunbright, Tennessee

4.98 acres with highway frontage on highway 27. The land also goes down to an active railway system.

$135,000
Old Springs Tract 15
Old Springs Tract 15 Maynardville, Tennessee

5.2 acres in Maynardville, TN

$26,900
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
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

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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