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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

Collinwood Tract 3
Collinwood Tract 3 Collinwood, Tennessee

2.4 Acres - Contact us for more info.

$19,900
Clear Fork Acres Tract 2
Clear Fork Acres Tract 2 Grimsley, Tennessee

5.03 Acres - Contact us for more info.

$30,400
Wilder Acres III - Tract 5
Wilder Acres III - 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
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
Paint Rock Creek Tract 6
PENDING
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
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
Davis Creek - Tract 3
COM_IPROPERTY_NEW
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
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
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
Copper Ridge Tract 17
PENDING
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
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
Wilder Acres III - Tract 4
Wilder Acres III - Tract 4 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 (...)

$36,400
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
Copper Ridge Tract 3
PENDING
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
Mine Rock Rd. Tract 1
PENDING
Mine Rock Rd. Tract 1 Oneida, Tennessee

These tracts start at the corner of Minerock Road and Paint Rock Road [Highway 456 (both county maintained roads)] outside of Oneida, TN. These tracts are located approximately 10 minutes from Oneida (...)

$66,430
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
11.3 secluded acres, walk to lake
11.3 secluded acres, walk to lake Speedwell, Tennessee

Level and hilly. Walk to the lake.

$37,300
Mine Rock Rd. - Tract 2
Mine Rock Rd. - Tract 2 Oneida, Tennessee

These tracts start at the corner of Minerock Road and Paint Rock Road [Highway 456 (both county maintained roads)] outside of Oneida, TN. These tracts are located approximately 10 minutes from Oneida (...)

$71,500
Clear Fork Acres Tract 8
PENDING
Clear Fork Acres Tract 8 Grimsley, Tennessee

5 Acres - Contact us for more info.

$34,500
Powell River Estates Tract 135
PENDING
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
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
Falcon Crest Tract 6
Falcon Crest Tract 6 Huntsville, Alabama

Location Location Location and Views Views Views

$94,100
Pawpaw Road 2 - Tract 1
PENDING
Pawpaw Road 2 - Tract 1 Thorn Hill, Tennessee

11.29 acres on Pawpaw Road in Hancock County near Thorn Hill, Tennessee.

$45,300
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
White Water Paradise 33 Acres
PENDING
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
Norris View Tract 2
PENDING
Norris View Tract 2 Maynardville, Tennessee

5.56 acres with power in Maynardville, TN

$29,500
Clear Fork Acres Tract 4
Clear Fork Acres Tract 4 Grimsley, Tennessee

5.03 Acres - Contact us for more info.

$31,700
Collinwood Tract 2
Collinwood Tract 2 Collinwood, Tennessee

2 Acres - Contact us for more info.

$17,900
Collinwood Tract 6
Collinwood Tract 6 Collinwood, Tennessee

1.91 Acres - Contact us for more info.

$20,700
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
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.

$29,700
Cumberland Cove Tract 2
Cumberland Cove Tract 2 Monterey, Tennessee

7.5 Acres - Contact us for more info.

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

3 Acres - Contact us for more info.

$30,000
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
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
5 acres with creek!
5 acres with creek! Liberty, Kentucky

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

$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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