Seller financing for everyone

Own land today. Build your home tomorrow.

Buy a lot with a small down payment and simple monthly payments. Your payments build equity. When you’re ready, that equity becomes your down payment and we build your home at a fixed price.

Build your equity

Buy one of our lots with seller financing.

Access your equity

Already own a lot? Borrow against its value.

Not sure where to start? Get pre-qualified

✓ No impact to your credit score
✓ No bank needed for your lot
✓ No prepayment penalty

Your path to homeownership

From a piece of land to the keys to your home

Five steps. Watch how it works, or tap any step.

Chipley, FL$192/mo

Bella Vista, AR$192/mo

Citrus Springs, FL$207/mo

Dunnellon, FL$207/mo

Ocala, FL$226/mo

Lehigh Acres, FL$231/mo

Rotonda West, FL$239/mo

Ocklawaha, FL$258/mo

Pick one of our 83 lots

Small down payment · Simple monthly payments · No bank

Step 1 of 5 · Day 1

Find a lot that fits your budget

Monthly payment I'm comfortable with$

Includes the $25/mo servicing fee.

Down payment$

How long to pay (months)

Estimated lot price you can afford

$32,296

35 of our 83 lots fit this budget

Search lots up to $500/mo

Suggested lots for your budget

What would you like to do?

Build your equity
Pick a lot, make a small down payment and pay monthly. Every payment grows your ownership.
Browse lots
Build your home
Use your land equity as the down payment. We build at a fixed price, with one team from start to keys.
See the build process
Access your equity
Already own land? Unlock cash from its value. Qualify in minutes, funded in about 15 days.
Check my land

Lots ready for you

Payments shown with 30% down over 72 months, including the $25/mo servicing fee. Lower down payments available.

StateCitySort byOnly my budget

35 lots fit $500/mo.

We build it for you

One fixed price. No surprises during construction.

You own the land, we handle the build. Because you’re buying direct from the builder, homeowners typically pay 10–15% less than they would for a comparable finished home.

	Buying a finished home	Building with us
Price	Market price	Typically 10–15% less
Down payment	Cash at closing	Your land equity
Price changes	—	Locked at contract
Choose your plan	What’s for sale	Your plan, your finishes

Our home models

Pick the home you’ll build

Four floor plans, built on your lot at a fixed price. See each home, then its floor plan — tap to enlarge.

1 / 7

Model 1615

1,615 sq ft

3 bedrooms
2 bathrooms

Build this home

1 / 7

Model 1990

1,990 sq ft

4 bedrooms
3 bathrooms

Build this home

1 / 7

Model 2092

2,092 sq ft

4 bedrooms
3 bathrooms

Build this home

1 / 7

Model 2478

2,478 sq ft

4 bedrooms
3 bathrooms

Build this home

Already own land?

Unlock 70% of your land’s value

Use your land as a line of credit. We only check that your income supports the payment.

Check my land’s value

70%: of land value
Minutes: to qualify
~15 days: to funding

Access your equity

How your land equity loan works

Your land stays yours. We lend against its value, with no prepayment penalty.

Unlock 70% of your land’s value

Land mortgage

The deed stays in your name. We hold a recorded mortgage on the lot until the loan is paid off, just like a bank would.

Mortgage origination costs · paid once

Doc stamps on note: 0.35% of the loan (FL)
Intangible tax: 0.2% of the loan (FL)
Recording fee: $52.50
Mortgage Preparation Fee: $100.00
Loan Origination Fee: $150.00

You keep your title.

Includes a $25/mo servicing fee for managing your account and payments. Every monthly payment we show already includes it.

Get pre-qualified in minutes

No impact to your credit score. Prefer to talk? Call (321) 430-1331 — se habla español.

Start now

Questions people ask

Do I need good credit to buy land?

No. Our program is built for people who are building their credit. We look at whether your income supports the monthly payment, and we report your payment history to help you build your credit, so you can qualify for a bank construction loan when it’s time to build.

Pending · Set up credit-bureau reporting before claiming it

How does my land equity become a down payment?

Two things build your equity. Every monthly payment pays down what you owe, and any increase in your land’s value belongs to you. The difference between your land’s value and your payoff is your equity.

Example 1: 30% down · seller mortgage at 10%

Lot price: $40,000
Down payment (30%): $12,000
Amount financed, 72 months: $28,000
Loan payment (principal + interest): $518.72
Servicing fee: $25.00
Monthly payment: $543.72

At month 36

Balance owed: $16,076
Lot value (+25.2%): $50,080
Your equity: $34,004

Example 2: 10% down · land-for-deed at 12%

Lot price: $40,000
Down payment (10%): $4,000
Amount financed, 72 months: $36,000
Loan payment (principal + interest): $703.81
Servicing fee: $25.00
Monthly payment: $728.81

At month 36

Balance owed: $21,190
Lot value (+25.2%): $50,080
Your equity: $28,890

Both examples assume land values grow 8.4% a year. Why 8.4%? Realtor.com’s first dedicated land-price study found U.S. land prices rose 76.6% from Q1 2019 to Q1 2026, about 8.4% a year. Several Florida markets rose far more: Port St. Lucie +314%, Clewiston +271% and Palm Bay–Melbourne–Titusville +232.6%.

Pending · Link and verify the Realtor.com study Past appreciation does not guarantee future results.

How do I use my land equity as a down payment for my home?

When you build, your lot becomes part of your home’s purchase price, and the equity you’ve built in it counts toward the down payment on your construction loan. Say your new home costs $350,000, including your lot. If you qualify for an FHA loan at 5% down, you need $17,500 for the down payment, plus closing costs and escrows.

Example 1: 30% down · seller mortgage

Your land equity at month 36: $34,004
FHA down payment needed (5%): $17,500
Left for closing costs and escrows: $16,504

Example 2: 10% down · land-for-deed

Your land equity at month 36: $28,890
FHA down payment needed (5%): $17,500
Left for closing costs and escrows: $11,390

In both examples, the equity built over 36 months covers the full down payment, with funds left over toward closing costs and escrows. Your exact requirement depends on the construction loan program you qualify for and the home you choose.

See what you could qualify for

What does “fixed price” include?

A full construction budget: everything required to deliver a finished home with a certificate of occupancy. Your final budget is based on the model plan and specifications you select.

Can I pay off my lot early?

Yes, anytime, with no prepayment penalty. When your lot is paid off, we record the deed in your name if you bought with a land-for-deed contract, or record the release of your mortgage if you have a mortgage.

Is there a monthly fee besides the payment?

Yes, a $25 monthly servicing fee covers managing your account: processing your payments, statements and payoff letters. It’s already included in every monthly payment you see on this site, so the number shown is the number you pay.

What happens if I miss a payment?

A $30 late fee applies. If you miss more than three payments in the same calendar year, the loan accelerates and the full payoff becomes due.

Calculator and lot payments are estimates, not an offer of credit. Terms of 60, 72 or 84 months. Down payments of 30% or more: 10% interest, seller-financed mortgage. Down payments of 10% to 29%: 12% interest, recorded land-for-deed contract. Minimum down payment is 10%. No prepayment penalty. Actual terms depend on the lot and your qualification.

Equity lines of credit: up to 70% of land value, subject to valuation, income verification and approval. Funding in about 15 days is typical, not guaranteed.

Equity examples in our FAQ are illustrative and assume 8.4% annual land appreciation. Past appreciation does not guarantee future results.