Land Criteria
What we'll finance — and what we won't.
We're a Texas land buyer first. So we look at every parcel the way a serious buyer would.
Must-haves
- Texas onlyWe finance land located in the state of Texas. DFW and major MSAs preferred, but we look statewide.
- Clear, marketable titleTitle must be clean. Liens, breaks in chain of title, or open probate issues get reviewed before we move.
- Legal accessRecorded easement, frontage on a public road, or a deeded access route. Landlocked parcels don't qualify.
- A clear, practical useBuildable, recreational, agricultural, or a manufactured home site where allowed. We don't finance land with no usable purpose.
- Supports the valueThe land must appraise or otherwise support the agreed purchase price.
Strongly preferred
- Utilities available or feasiblePower at or near the road. Well/septic feasible. Public water if available.
- Reasonable topographyGenerally usable land. Steep slopes and large unbuildable portions are reviewed carefully.
- Path of growthCounties and corridors with visible development momentum tend to fund faster.
Reviewed carefully
- FloodplainFloodplain-only parcels generally don't qualify unless approved on a case-by-case basis.
- Restrictions / HOAHeavy deed restrictions or HOAs that block your intended use will be a factor.
- Environmental flagsOld fuel tanks, dumping, or environmental concerns require additional review.
Default deal structure
- Up to $500,000Acquisition cost up to half a million dollars.
- 20% down minimumHigher down payments unlock better terms.
- 10% service feeRolled into the seller-finance sales price.
- 9.00%–10.999% interestFinal rate set during underwriting.
- 5 / 10 / 15 / 20 / 30 year termsPick what fits your monthly comfort.
- No prepayment penaltyPay it off whenever you want.
- No balloon by defaultUnless we explicitly agree otherwise in writing.