Owner Financing

Here’s how our owner financing program works in simple terms.

  1. Easy Approval: If you can comfortably manage the monthly payments, you’re approved! No credit checks or employment verifications required. Just choose your desired property on our website and make an online payment for the down payment and document fee.
  2. Contract For Deed: We use a Contract For Deed, also known as a Land Contract. During your payment period, the property remains under our company name, Find Land Texas. Once you’ve paid in full, we’ll transfer the property to your name with an official deed.
  3. No Penalties for Early Payoff: Get full title faster by paying us off earlier!
  4. Important Rules: To ensure safety and compliance, please note:
    • Follow all local laws and regulations for the property.
    • You’re responsible for any costs related to violations.
  5. Recording the Contract: Do not record the contract in public records.
  6. Property Taxes: We handle property taxes and invoice you annually.
  7. Late Payments: Late payments incur a $35 late fee.
  8. Default Notice: If you default on payment or contract terms, we’ll give you a ten-day notice to resolve it. Failure to do so will result in losing the property, though it won’t affect your credit.
  9. Interest: We charge interest at a rate a little above what banks charge. This makes owner financing accessible beyond what banks allow, and allows us to cover our costs when defaults happen.
  10. Property Sold As-Is: You’re responsible for ensuring the property suits your needs, and there are no warranties. Everyone should research the property they are buying in full prior to purchase.
  11. Contract Delivery: After you pay the down payment and document fee, we’ll send the contract via e-sign service within a day or two, to your email. You can view and sign it online.