Common Questions

We charge 10% APR (annual percentage rate) on all owner-financed land. There is no prepayment penalty — you can pay off your balance at any time at no extra cost.

Yes. You have full rights to use the property from the day you sign. The deed is officially transferred into your name upon completion of all payments — we handle the county recording.

Yes, you can use and build on the property while making payments — the land is yours to enjoy from day one. That said, we advise completing your payments before major construction, because getting a construction loan is much easier once the property is paid off and the deed is in your name.

Our contracts include a due-on-sale clause. If you sell the property before the balance is paid off, the remaining balance becomes due in full at the time of sale. You can use the sale proceeds to satisfy it — no problem if the sale covers it.

Yes. Property taxes are included in your monthly payment — we handle them on your behalf. You won't receive a separate tax bill.

We provide a 5-day grace period on all payments. If you're running into a tough month, call or text Sam at 928-224-8264 before or during that window — we work with people.

No. There is no balloon payment. You make consistent monthly payments until the balance is paid, and you can pay off the full remaining balance at any time with no penalty.

We have properties across most Arizona counties. The majority of our listings are in Navajo County and Apache County, with additional properties in Gila County — all in the northeast Arizona / White Mountains region.

Yes — we encourage it. Every listing includes GPS coordinates you can drop into Google Maps. The land is accessible before you buy, and we're happy to point you in the right direction.

Generally yes — most of our rural Arizona properties allow manufactured and mobile homes. We recommend contacting the county planning department to confirm your specific plans before purchasing. We're happy to help you find the right county contact.

Most of our rural properties have no HOA. If a parcel has HOA dues, that's noted directly in the listing.

The entire process is 100% online. From signing the purchase contract via e-signature to recording the deed — all handled through our website using remote online notaries. No lawyer, no escrow company, no closing costs, no surprises.

Yes. No prepayment penalty. Pay off the remaining balance at any time and we record the warranty deed to you promptly.

Simple: fill out the sell form with basic property info. We research the parcel and call you within 24 hours with a cash offer — no obligation. If you accept, we set a closing date, handle all the paperwork, and wire you the money. No realtor fees, no commissions.