New inventory loading. Check back soon.
Pick your lot online. See the photos, map, and details.
Sign your reservation agreement online — no payment, no credit check.
We carry the note. Start your monthly payments — 60 months, no bank.
Owner financing 60 months, 10% interest. Monthly payment based on selection.
🎆 Fourth of July Special: $0 down for everyone — $1,500 off your lot, now through July 24.
Richard Alberty has spent 25+ years helping people own land the simple way — direct from the seller, no bank in the middle.
He’s sold 1,500+ parcels across 10+ states, and he believes deeply in democratizing access to land — owner-financed, no bank, no middleman, just a clear path to owning your own piece of the pines.
Land should be simple to own.
We carry the loan ourselves — no bank, no broker. You reserve a parcel by signing the agreement online ($0 down, nothing due to reserve), then pay us monthly at a fixed 10% APR over 60 months. The contract is two pages, plain English, and recorded with the county. Title transfers to your name when the note is paid off.
No. No credit report, no tax returns, no pay stubs. The land is the collateral — if a buyer stops paying, our remedy is to take the lot back, not to garnish wages or report to the bureaus. That is why no credit pull is normal for seller-financed land.
On a $14,900 lot at $0 down, 10% APR over 60 months, the monthly runs about $317 — no PMI, no escrow, no broker fee on top. Every lot page shows that lot’s exact monthly.
We send a reminder. There is a 15-day grace period, then a $25 late fee. After two missed payments we pause the contract and call to figure out a plan. We are a family operation, not a foreclosure shop — in all our years, no buyer has lost a parcel they were trying to keep.
Yes — no prepayment penalty. Anything beyond the monthly goes straight to principal. About a third of our buyers retire the note in 18 to 36 months and take immediate deed transfer.
The deed records in your name when the final payment clears. Until then we hold legal title as the seller-financier and you hold equitable title under the recorded contract — which lets you walk the parcel and improve the lot subject to the contract and POA rules.
Of course. Call us at (501) 442-0501 and we’ll meet you at the gate with a topo and walk the parcel before you sign anything. If it’s not right, we’ll show you other lots.
Every parcel we sell has county-maintained road frontage. Power, water, and — in most sections — fiber run to the lot line. Septic and well are on you, post-payoff, if you build. Each lot page lists its specific utility status.
Two paths: pay off the remaining balance with the new buyer’s funds at closing and transfer clean title, or assign your contract to the new buyer with our written consent. Either way, we coordinate.
The contract is recorded with the county clerk, putting your interest in the public record with you listed as the buyer. We carry property insurance until close. Your recorded interest follows the land and is enforceable in court.
