Great question! There are a couple ways… Look at the URL of our website in the search bar. You will notice it begins with “https” instead of “http” which means the site is secured using an SSL Certificate (the s stands for secure). SSL Certificates secure all of your data as it is passed from your browser to the website’s server. You will also notice a padlock icon to the left of our website address, this is a visual indicator that our website uses an SSL certificate.

1.Select a Property: Reserve the property and complete the checkout form to make a deposit of 10% to reserve the property. This will hold the property so no one else can purchase it.
2.Sign Agreement: We will then prepare loan paperwork (land contract) and email it to you (within 24 hrs) for review & electronic signing.
3.Close on Property: We will email you a link to our borrower portal where you can set up auto draft payments and manage your loan.

Yes & Yes. There are no penalties for paying extra on the principal or paying off your land early. You may log into your Borrower portal and check your balance or make an extra payment at your convenience.
In reference to Seller Financing, what is the note servicing fee?
The note servicing fee is a $15 per month fee we charge for servicing the loan. The note servicing fee is collected as compensation for keeping a record of payments, collecting, and making property tax escrow payments and providing the borrower with access to a client portal that can be used to check balance, pay extra on principal or change out payment method.
When buying with Seller Financing, do I need to pay property taxes?
Your property taxes are pro-rated (annual amount is divided into 12 monthly payments) and collected monthly as part of your monthly land payment. We continue to make the payments annually and after the loan is paid off we will transfer ownership to you with county. After ownership has been transferred the Treasurer will start sending you the tax bill.

The deed will remain in our name until the land is fully paid off. Upon payoff ownership will legally be transferred into your name.
Can I build on or improve the property while making payments?
As a precaution it is best to wait until the property is paid off. We would be not want you to install a well or build a cabin then run into financial hardship and have to forfeit your land along with its improvements. Another reason is that everything must be done in accordance to zoning & other local laws. Most counties will require building permits and they usually have to be submitted by and signed off by the owner of record (note-we remain the owner of record until land is paid off). You are welcome to visit, use and camp on land (where allowed).

We will refund Deposits/Reserve fees made for 7 days.  Once the property is under contract, there are no refunds. All refunds will be issued via check or wire transfer.

Pay cash in full! Make the deposit by clicking ‘reserve now” and we will start getting the documents ready to close as quickly as possible. Once we are ready to sign the deed into your name, you can pay by certified check or wire transfer. You can also hire a title company or attorney to oversee the transaction, if that is something you would like you pay for.

1. We send you a Contract for Deed, and a Land Sale Contract for your review through an electronic signing service.
2. You review and sign the documents – everyone is automatically sent a signed copy.
3. We set up automatic monthly payments with our payment processor Authorize.net. The first payment is due approximately 30 days from signing.
4. Your property is deeded to you with a Warranty Deed within 30 days of the property being paid in full. We will record the deed with the county, and send you the recorded deed for your records.