Buying land does not have to start at a bank. With owner financing, you make payments straight to the seller. Here is how it works with Aeris Terra, in plain steps.
What owner financing means
Owner financing means the seller is also the lender. You do not apply for a bank loan. You do not wait weeks for a loan officer to review your file. You pick a lot, choose a payment plan, and start the process with us.
What it costs
Our financing carries 0% interest. The price you see is spread out over your payments.
You pay a down payment up front. The amount depends on the plan you pick.
There is a one-time $249 document processing fee, due today when you start.
There is a $6 monthly note fee added to each payment.
Property taxes are added to your monthly payment, so you do not get a big tax bill by surprise.
How to choose a plan
Each lot lists more than one way to buy. You can pay cash. You can use a longer plan with smaller monthly payments. Or you can use a shorter plan with larger payments, so you own the land free and clear sooner. A longer plan costs a little more in total than the cash price, and a shorter plan costs less. Pick the one that fits your budget.
The paperwork
All paperwork is done electronically. You can sign from your phone or computer, from anywhere.
Ready to look?
Browse our lots on the property map and compare the plans listed on each page. If you have a question, contact us. We are happy to walk you through it.