Bring a name. Skip the bank.

We carry the loan ourselves. You reserve the parcel for $100 (refundable for the first 7 days), pick a down payment that fits your budget, and pay us monthly at a fixed rate. The contract is two pages, written in plain English, and recorded with the county. Title transfers to your name when the note is paid off.

No. We do not run a credit report, we do not ask for tax returns, and we do not request 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. The risk model is fundamentally different from an unsecured personal loan, which is why no credit pull is normal for seller-financed land.

On a $14,900 lot with $500 down at 10% APR over 60 months, the monthly is about $306. Educator and government buyers qualify for $0 down at the same 10% APR — monthly is about $317, and you keep the $500 in your pocket on day one. There is no payment escrow, no PMI, and no broker fee added on top. The calculator above runs the numbers on any lot.

Our standard options are $500, $1,000, or $1,500 down (or $0 for the educator and government program), all at 10% APR over 60 months. If those don't fit, give us a call at (501) 442-0501 and we can discuss custom financing options.

We send a reminder. There is a 15-day grace period. After 15 days a $25 late fee is added. 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 the time we have been doing this, no buyer has lost a parcel they were trying to keep.

Yes. There is 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 is recorded 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. That contract gives you the right to walk the parcel, pay the property tax (which we cover until close), and improve the lot subject to POA rules and the contract terms.

Permanent construction usually waits until the note is paid. Raw land construction loans require a clear title, which only happens at payoff. Most buyers tent-camp, store an RV, or build small sheds during the note period, then start the cabin or homesite after payoff.

Reserve the parcel for $100. The reservation is refundable for the first 7 days. We will meet you at the gate, hand you a topo, and walk you through the lot. If it does not feel right, the deposit comes back and we can show you other parcels.

No paperwork. You self-certify at checkout under penalty of perjury. We rely on your good-faith statement. The benefit is $0 down at the same 10% APR everyone else gets. Eligible: K-12 teachers, college and university faculty and staff, federal and state employees, county and municipal employees, and active-duty military.

Every parcel we sell has a county-maintained road frontage. Power, water, and (in most sections) fiber internet run to the lot line. Septic and well are on you, post-payoff, if you build. We list the specific utility status on every lot detail page.

Two paths. You can pay off the remaining balance with the buyer's funds at closing and transfer clean title. Or you can assign your contract to the new buyer with our written consent (we have done this several times). Either way, we coordinate.

The contract is recorded with the Garland County Clerk, which puts your interest in the public record. You are listed on the title as the buyer. We carry property insurance until close. If something happened to us as a company, your contract is enforceable in court and the recorded interest follows the land.