Frequently Asked Questions
Q: Are there restrictions on what I can do with the property during the owner financing term?
A: Yes. You cannot build or live on the property until the end of the loan term, when the title is transferred to you. However, you may use the property for recreational purposes and make minor improvements (such as clearing, grading, or fencing), as long as you comply with all local rules and regulations. If the property is located within an active HOA, you’ll also need written permission from the HOA authority.
Q: Can I build whatever I want on this property after the title has been transferred to me?
A: Land use is governed by the local government. Please contact the appropriate county planning department and/or HOA and provide them with the parcel number to confirm what you are allowed to build.
Q: Can I visit the property?
A: Absolutely! You are welcome to visit the property at any time—no appointment necessary. Please note that we own all the lots we sell and are not real estate agents. Since we are based in California, we won’t be able to meet you at the lot in person.
Q: Does the property have an address?
A: Most of the properties we sell are rural and vacant, which means they usually don’t have an address unless specifically stated in the listing. You can contact the appropriate county office to inquire about the procedure for assigning an address to the lot.
Q: Has the property been surveyed?
A: No, we have not commissioned a survey. If you’d like to have one done, we’re happy to work with your chosen state-licensed surveyor.
Q: Can I park an RV on the property?
A: It depends on the county. Some counties allow temporary RV parking, while others require a septic system installation. If the property is within an HOA, RVs may not be allowed at all. Please contact the county and/or HOA to confirm.
Q: Are the property taxes up to date?
A: We pay all tax bills promptly, but you’re welcome to confirm with the County Treasurer's Office to ensure taxes are current.
Q: Has a title search been done?
A: We conduct in-house due diligence before purchasing a property. Depending on the property's history, we may or may not purchase a full title search or title insurance. However, we never buy land with known title issues or liens. For extra peace of mind, we recommend hiring a title company to perform a full title search.
Q: Do you work with title companies?
A: Yes, we are happy to work with any title company of your choice, at the buyer’s expense. Please have your title company contact us directly to initiate the process.
Q: How does seller (owner) financing work?
A: With seller financing, we sign a land contract that gives you legal rights to use the property, but you cannot pull building permits until the loan is fully paid and the title is transferred. After you pay the down payment and document fees, we’ll provide access to our third-party loan servicing platform where you’ll make monthly payments. Once paid in full, the title is transferred to you.
Q: How many people or entities can be listed on the deed?
A: You can include as many people or legal entities on the deed as you like.
Q: Can the deed be made out to an LLC?
A: Yes, the deed can be issued to an LLC or corporation.
Q: Does the property come with mineral rights?
A: We purchase all properties assuming we only have surface rights. To determine whether mineral rights exist, you would need a title company to conduct a mineral rights search, tracing ownership back to the original homestead.
Q: How is title transferred?
A: Once the full purchase price is paid, we will draft and record the deed (typically a Quit Claim Deed) transferring title to you. Alternatively, you can choose to use a title company to handle the transfer at your own expense.
Q: What are the benefits of purchasing with cash instead of seller financing?
A: Cash purchases qualify for a discount and eliminate the risk of defaulting on loan payments. However, we understand not everyone can pay in full upfront. That’s why we offer accessible financing. Please note: a $12 monthly servicing fee is added to each payment via our loan servicing provider, in addition to principal and interest.
Q: Can I buy property from you if I’m not a U.S. citizen?
A: Yes! The purchase process is the same for both U.S. and non-U.S. citizens.
Q: Are there extra fees with owner financing?
A: Yes. Each monthly payment includes a $12 servicing fee (non-refundable and not applied toward principal or interest). You’ll also be charged monthly for property taxes and any applicable HOA dues.
Q: Who pays for taxes and HOA dues during the loan term?
A: We pay taxes and HOA dues directly when bills are received. These costs are then included in your monthly payment amount.
Q: What is your Buy With Confidence Promise?
A: Our promise ensures you’ll always have:
• A real person to answer your questions
• Transparent property details provided upfront
• Ongoing support before, during, and after your purchase
We’re here to make land buying easy and stress-free.
Q: Is there anything else I should know before buying?
A: Yes. While we perform thorough due diligence, we strongly encourage you to do your own research. Review all property information, reach out to the county office, and visit the lot in person. Land is a long-term investment and could be a legacy passed on for generations—it’s worth taking the time to know it well.