Land & Mobile Home Loans: The Complete Guide

Many people believe that buying land is only for the wealthy, or that financing a manufactured home comes with impossible terms. Let’s clear the air: that’s simply not true. With the right information, owning your own piece of Texas is more accessible than ever. This guide is designed to bust the common myths that hold people back. We’ll show you that competitive interest rates are available and that you don’t need a perfect credit score to get started. Securing a loan for land and mobile home is a practical and achievable goal, and we’ll walk you through the flexible options that make it possible for hardworking families.

Key Takeaways

• Look Beyond Traditional Banks

  : Your financing options aren't limited to a conventional loan. Government-backed programs like FHA and USDA loans are designed for accessibility, while owner financing offers a more direct and flexible path to securing your property.

• Budget for the Full Picture, Not Just the Price Tag

  : A solid budget includes more than the cost of the land and home. Factor in one-time expenses like site prep and utility hookups, plus ongoing costs like property taxes and insurance, to avoid financial surprises.

• Combine Your Purchases to Build Equity

  : Buying your land and home together with a single loan can lead to better interest rates and simpler payments. This strategy helps classify your home as "real property," allowing it to appreciate in value and build your long-term wealth.

How to Finance a Mobile Home and Land

Figuring out how to finance both a home and the land it sits on can feel like a huge puzzle, but it’s more straightforward than you might think. When you own your land, you’re not just buying a place to live—you’re building equity and putting down roots in a community you love. The key is understanding your options and knowing what steps to take. From clarifying what a "manufactured home" really is to exploring the benefits of bundling your purchases, getting the right financing is the first step toward creating your own private retreat. Let's walk through what you need to know to make your dream of land ownership a reality.

What Counts as a Manufactured Home?

First things first, let's clear up some terminology. The terms "mobile home" and "manufactured home" are often used interchangeably, but for financing purposes, they mean very different things. Homes built before June 15, 1976, are technically "mobile homes." Because they were built before federal standards were in place, getting a loan for them can be tricky.

Homes built on or after that date are called "manufactured homes" and must meet strict safety and construction rules set by HUD. These modern homes are built to last, and because they adhere to specific building standards, they are much easier to finance. When you're looking at loan options, lenders will almost always be working with the assumption that you're purchasing a manufactured home.

Why Buy Your Land and Home Together?

One of the smartest moves you can make is to buy your land and home at the same time. This approach allows you to get a special "Land/Home" loan that bundles the cost of the property and the house into a single mortgage. Why is this a big deal? Combining them into one loan often means a lower interest rate than if you took out separate loans for the land and the home. It also simplifies your life—one application, one closing, and one monthly payment. This streamlined process makes everything more manageable and can save you a significant amount of money over the life of your loan.

Common Financing Myths, Debunked

Let's bust a few myths that might be holding you back. A common misconception is that you can't get good terms on a manufactured home loan. The reality is that competitive interest rates are absolutely available, especially for buyers with a solid credit history. Another myth is that you have to pay cash for a manufactured home. While paying cash is always an option, it’s far from the only one. Plenty of lenders specialize in manufactured home loans, offering flexible terms that make homeownership accessible. Don’t let these outdated ideas discourage you from exploring your options.

The Real Value of Owning Your Land

Owning the land under your home is about more than just having a permanent address—it’s a powerful financial move. When your manufactured home is permanently attached to land you own, it’s often classified as real property." This is a game-changer. As real property, your home can appreciate in value right along with the land, allowing you to build equity over time. This equity can be a valuable asset for your future. Plus, owning the land can open the door to the same kind of tax deductions that owners of traditional site-built homes enjoy, like the mortgage interest deduction.

What Are Your Loan Options?

Financing your land and mobile home might seem like the most complicated part of the process, but it doesn’t have to be. Think of it as finding the right key for the right lock—there are several options out there, and one is bound to be the perfect fit for your financial situation. From traditional bank loans to more flexible arrangements, understanding your choices is the first step toward turning your dream of land ownership into a reality.

Whether you have a perfect credit score and a hefty down payment or are just starting to build your savings, there’s a path forward. Lenders and sellers offer a variety of programs designed for different needs, each with its own set of requirements and benefits. Getting familiar with these options ahead of time will help you feel more prepared and confident when you start having conversations with lenders or landowners. Let’s walk through the most common financing routes so you can figure out which one aligns with your goals. We’ll cover everything from government-backed programs to direct financing with the landowner, giving you a clear picture of what to expect.

Conventional Loans

A conventional loan is what most people think of when they imagine a mortgage. It’s a loan from a private lender, like a bank or credit union, without any government backing. Because the lender takes on all the risk, they usually have stricter requirements. To qualify, you’ll typically need a credit score of at least 620. While some lenders may accept a down payment as low as 3%, it’s more common to need at least 5% for a manufactured home and land purchase. If you have a strong credit history and stable income, a conventional loan can be a straightforward option with competitive interest rates.

FHA Loan Programs

If your credit score isn't quite where you want it to be, don't count yourself out. FHA loans, which are insured by the Federal Housing Administration, are designed to make homeownership more accessible. This government backing makes lenders more willing to work with buyers who have lower credit scores or smaller down payments. You could qualify for an FHA loan with a credit score as low as 580 and just a 3.5% down payment. If your score is between 500 and 579, you might still be approved, but you’ll likely need to put down 10%. This makes it a fantastic option for many first-time buyers.

VA and USDA Rural Development Loans

Two other excellent government-backed options are VA and USDA loans. If you’re a military service member, veteran, or eligible surviving spouse, a VA loan is a benefit you’ve earned. While traditional VA loans often require no down payment, you’ll typically need about 5% down for a manufactured home. A USDA loan is another great choice if you’re buying in a qualifying rural area—which covers a lot of Central Texas. These loans are designed to encourage rural development and often require no down payment at all. However, they do have household income limits, so you’ll need to check if you qualify based on your location and earnings.

Chattel Mortgages

A chattel mortgage is a bit different because it’s a loan for the home only, not the land it sits on. This type of loan is used when the home is considered personal property rather than real estate, which is common if you don't own the land. Because the loan isn't secured by the land, chattel mortgages often come with higher interest rates than traditional mortgages. You can generally expect to need a down payment of around 5%. This can be a useful option in specific situations, but it’s important to weigh the long-term costs of higher interest.

Owner Financing: A Flexible Path to Ownership

For many aspiring landowners, owner financing is the key that opens the door to their dream property. With this option, you skip the traditional bank process and make your payments directly to the seller—in this case, to us at Eden Land Company. We act as the lender, which allows for a much more flexible and straightforward process. It’s often easier to qualify for owner financing because we can look beyond just a credit score. This approach makes land ownership possible for hardworking Texans who might not fit the rigid mold of a conventional lender, helping you secure your own piece of Central Texas with terms that make sense for you.

What Do Lenders Look For?

When you’re ready to finance your land and home, lenders will look at a few key areas of your financial life to make their decision. Think of it as them getting to know you and making sure the loan is a good fit for everyone involved. It’s not about judgment; it’s about preparation. Understanding what they’re looking for ahead of time puts you in a much stronger position. From your credit history to the details of the property itself, each piece helps paint a complete picture. Let’s walk through exactly what you’ll need to have in order so you can approach the process with confidence.

The Role of Your Credit Score

Your credit score is one of the first things a lender will check. It’s essentially a snapshot of your financial habits and history of paying back debts. A higher score shows lenders you’re a reliable borrower. While requirements vary, many traditional lenders look for a score of 670 or higher to offer the best loan terms. This number reflects your creditworthiness and plays a big role in determining your interest rate. If your score isn’t quite there yet, don’t worry. There are plenty of steps you can take to improve it, like paying bills on time and keeping credit card balances low.

Proving Your Income and Employment

Lenders need to see that you have a steady and reliable source of income to cover your monthly loan payments. They’ll look at your employment history and your current earnings to make sure you can comfortably handle the new expense. A key metric they use is the debt-to-income ratio, which compares your monthly debt payments to your gross monthly income. Having a stable job and a manageable amount of existing debt shows that you’re in a solid financial position to take on a new loan without stretching your budget too thin.

Saving for Your Down Payment

A down payment is the portion of the purchase price you pay upfront, and it’s a crucial part of securing a loan. For most traditional land loans, lenders typically require a down payment of 20% to 30%. Saving up this amount shows the lender you’re financially committed to the purchase and reduces their risk. While that number can seem high, remember that flexible options like owner financing may offer different requirements. The more you can put down, the less you’ll need to borrow, which can lead to a lower monthly payment and less interest paid over time.

Getting Your Paperwork in Order

Being organized is your best friend during the loan application process. Before you even apply, start gathering all the necessary documents. This usually includes recent pay stubs, W-2s or tax returns from the last two years, and bank statements. Having everything ready makes the process smoother and faster. It also helps you secure preapproval from a lender, which is a great first step. A preapproval letter shows sellers you’re a serious buyer and gives you a clear idea of how much you can afford to borrow.

Meeting Property and Land Requirements

Finally, the land itself has to meet certain criteria. Lenders will verify that the property is accessible and has the proper zoning for what you want to do, whether that’s building a home or placing a manufactured home. Local governments have specific rules about land use, and meeting these zoning requirements is essential for getting permits and financing. At Eden Land Company, we ensure our properties are ready for you, but it’s always a good idea to double-check that the land aligns with your long-term vision and the lender’s guidelines.

Calculating Your Total Costs

The price of the land and the mobile home is just the starting point. To create a realistic budget that you can stick to, you need to look at the full picture. This includes one-time setup costs and ongoing expenses that will be part of your monthly budget for years to come. Thinking about these costs upfront prevents surprises down the road and helps you make a confident decision. From interest rates to utility hookups, let's break down the key expenses you should plan for as you explore different properties and get ready to build your dream life in the country. A clear understanding of the total investment will empower you to find a financing solution that truly fits your financial situation and sets you up for success.

Understanding Interest Rates and Terms

Your loan's interest rate and term length are two of the biggest factors that determine your monthly payment and the total amount you'll pay over time. The interest rate is the percentage the lender charges for borrowing money, while the term is how long you have to pay it back. While it's a common belief that financing for manufactured homes always comes with high interest, many lenders offer competitive interest rates that are comparable to traditional mortgages. When you're comparing loan offers, look at the Annual Percentage Rate (APR), which includes the interest rate plus other fees, to get the most accurate comparison of costs.

Factoring in Insurance

Just like with a site-built house, you'll need homeowners insurance for your manufactured home. This isn't just a suggestion; most lenders require it as a condition of the loan. Think of it as a safety net for your investment. Homeowners insurance protects you financially if your home or property is damaged by things like fire, storms, or theft. The cost can vary based on your location, the value of your home, and the coverage you choose, so be sure to get a few quotes and include this recurring expense in your monthly budget. It’s a small price to pay for peace of mind.

Planning for Property Taxes

Welcome to homeownership! Along with your mortgage and insurance, you'll also be responsible for paying annual property taxes. These taxes are collected by your local county or municipality to fund public services like schools, roads, and emergency services. The amount you'll owe is based on the assessed value of your land and home, multiplied by the local tax rate. These rates can differ significantly from one county to another, so it's a smart move to research the tax rates in the areas you're considering. You can usually find this information on the county's official website. Most people pay their property taxes through an escrow account managed by their lender, which simplifies the process.

Budgeting for Site Prep

Before your new home can be delivered, the land needs to be prepared. This process, known as site prep, can include clearing trees, leveling the ground, and pouring a concrete foundation or setting piers. The costs can vary dramatically depending on the condition of your lot. A clear, level piece of land will be much less expensive to prepare than a heavily wooded or sloped one. If you're buying raw, undeveloped land, you'll need to budget carefully for these initial expenses. Getting quotes from a few local contractors is the best way to understand what you'll need to spend to get your property ready for your new home.

Connecting Utilities and Infrastructure

Getting your home connected to essential services is a crucial step with its own set of costs. If your property doesn't already have utilities, you'll need to arrange for electricity, water, and sewer connections. In many rural areas, this means installing a septic system for waste and drilling a well for water, as city services may not be available. The cost to bring in these utilities can be significant; some estimates place the average utility hookup cost around $20,400, but this figure can change based on how far your home is from existing utility lines and the specific requirements of your land. Be sure to investigate these potential costs thoroughly as you evaluate a piece of property.

Making Sense of Property Guidelines

Once you find a piece of land you love, it’s tempting to start dreaming about where you’ll put the front porch. But before you get too far, it’s important to understand the rules that come with the property. Every piece of land, especially in developing rural areas, is subject to guidelines that dictate how it can be used. Think of these as the instruction manual for your property.

Understanding these rules isn’t about getting tangled in red tape; it’s about making sure your vision for your new home is possible. From local county regulations to specific deed restrictions, knowing the guidelines upfront prevents surprises and ensures a smooth process. It helps you confirm that you can place your manufactured home exactly where you want it, connect to utilities without a hitch, and build the life you’ve been planning. Let’s walk through the key guidelines you’ll want to look into so you can move forward with confidence.

Understanding Local Zoning and Building Codes

Before you buy, you’ll want to get familiar with the local zoning laws and building codes. These are the rules set by the county or local government that determine how land can be used. Zoning ordinances might designate an area for residential, agricultural, or commercial use, which directly impacts your ability to place a home there. Building codes are the standards for construction, ensuring that any structure, including your home's foundation, is safe. A quick call or visit to the local planning and zoning office can give you all the information you need to confirm your plans are good to go.

Identifying Property Classifications

When you finance a manufactured home, lenders will look at how it’s classified. A manufactured home can be seen as either personal property (like a vehicle) or real property (like a traditional site-built house). The difference usually comes down to whether the home is permanently affixed to the land with a foundation. This distinction is critical because it affects the type of loan you can get. Many lenders, especially for conventional or FHA loans, require the home to be classified as real property, which means you’ll own both the structure and the land it sits on as a single asset.

Checking for Covenants and Restrictions

Some properties come with covenants, conditions, and restrictions (CC&Rs) that limit what you can do with your land. These aren't government laws but are rules put in place by a developer or a homeowners' association (HOA). Even if there’s no formal HOA, restrictions can be written directly into the property’s deed. They might specify the minimum square footage for a home, prohibit certain types of animals, or have rules about outbuildings. Always ask for a copy of any CC&Rs before you finalize your purchase so you know exactly what to expect.

Exploring Rural Development Perks

If you’re looking at land outside of city limits, you might be eligible for special financing programs. The USDA Rural Development office in Texas offers home loan programs designed to help people in rural communities. These loans often come with significant benefits, like requiring little to no down payment and offering payment assistance to make homeownership more affordable. These programs are specifically designed to support rural growth, so they’re a fantastic resource to explore if your dream property is out in the country.

What to Consider When Choosing Land

Beyond the official rules, there are practical things to consider when choosing your land. For most loan types, you’ll need to own the land outright, a status known as "fee simple." This gives you the most freedom and makes financing much more straightforward. Think about the long-term benefits of owning your own land—it’s an investment that builds equity and gives you stability. As you look at different properties, also consider practical factors like road access, soil quality for a septic system, and the cost to bring in utilities like water and electricity.

Your Step-by-Step Guide to Securing a Loan

Getting a loan for your dream property might seem like a huge undertaking, but it’s really just a series of simple, manageable steps. Think of it as a roadmap—if you follow the signs, you’ll get exactly where you want to go. The key is to be prepared and know what to expect. From getting pre-approved to finally signing the papers, having a clear picture of the process will make everything feel much smoother and less stressful. It’s all about taking it one step at a time and knowing what information you need to have ready.

This guide walks you through the five main stages of securing a traditional loan. We’ll cover everything from showing lenders you’re a serious buyer to choosing the right financial partner for your land purchase. While many people go through banks or credit unions, remember that other paths exist. For instance, working with a company that offers owner financing can provide a more direct and flexible route to owning your piece of Texas. This approach often simplifies the process, as you're working directly with the seller who already knows the property inside and out. Whichever path you choose, these steps will give you the confidence to move forward and turn your dream of land ownership into a reality.

Start with Pre-Approval

Before you get too far into searching for properties, your first move should be getting pre-approved for a loan. Pre-approval is a letter from a lender stating how much they’re willing to lend you. This is a game-changer because it shows sellers you’re serious and have the financial backing to make a purchase. Securing a land loan can be a bit different from a standard mortgage, as lenders sometimes view vacant land as a riskier investment. Because of this, they might ask for a higher down payment or offer a higher interest rate. Getting pre-approved early clarifies your budget and strengthens your position as a buyer from the very beginning.

Inspect the Property

Once you have a property in your sights, it’s time to do your homework. A thorough inspection goes beyond just walking the land. You’ll want to look into zoning laws, confirm access to utilities like water and electricity, and possibly get a survey to understand the exact property lines. If your plan is to build a home, this step is even more critical. You will likely need two separate loans: one for the land itself and a second construction loan to fund the building process. Taking the time to properly inspect the property ensures it’s a perfect fit for your vision and protects you from any unwelcome surprises down the road.

Prepare Your Final Documents

When you’re ready to make your loan application official, you’ll need to have your financial paperwork in order. Lenders will want to see a clear picture of your financial health to feel confident in their investment. Start gathering key documents like recent pay stubs, the last two years of tax returns, bank statements, and a copy of your photo ID. If you have a specific plan for the land, like a blueprint for a house, include that as well. Keeping everything organized in a single digital folder will make the submission process quick and painless. Being prepared shows your lender that you’re organized and reliable, which always helps your case.

Choose Your Lender

Not all financial institutions are equipped to handle land loans, so it’s important to find the right partner. A great place to start is with local banks and credit unions. They often have a better understanding of the local market and may offer more specialized loan products for land purchases. Don’t just go with the first offer you receive. Take the time to compare interest rates, terms, and fees from at least two or three different lenders. This is also where you can explore non-traditional options. An alternative like owner financing, for example, cuts out the middleman entirely and allows you to work directly with the seller, often resulting in a simpler process.

Seal the Deal at Closing

Closing is the final and most exciting step in the process. This is the meeting where you’ll sign all the official documents, pay your closing costs and down payment, and receive the deed to your new property. A closing agent will walk you through the paperwork, which includes the mortgage, title, and other legal forms. Once everything is signed and the funds have been transferred, the land is officially yours. If you’re also financing construction, your loan will typically convert into a standard mortgage once your home is built. Congratulations—you’re now a landowner and ready to start your next chapter.

Tips for a Smooth Financing Process

Getting your financing in order can feel like the biggest hurdle, but a little preparation goes a long way. When you walk into a lender’s office with your ducks in a row, you’re not just a hopeful buyer—you’re a serious candidate. These tips will help you put your best foot forward and make the process feel much more manageable. Think of this as your game plan for securing the funds you need to start your new life on your own piece of Texas.

Strengthen Your Credit Profile

Before you even start looking at properties, take a good look at your credit. Lenders see land loans as a bit riskier than standard home mortgages, so they’ll be paying close attention to your financial history. A stronger credit score shows them you’re a reliable borrower, which can lead to better interest rates and terms. Aim to pay down existing debts and ensure you’re making all your payments on time. While some lenders may accept a down payment as low as 20%, many will want to see closer to 30%. A solid credit profile can help you qualify for more favorable terms and a lower down payment.

Get Creative with Your Down Payment

Your down payment doesn't always have to come straight from your savings account. If you're planning to place a manufactured home on your land, look into special "Land/Home" loans. These packages combine the cost of the property and the home into a single loan, which can simplify the process immensely. More importantly, these combined loans often come with lower interest rates than you’d get if you took out two separate loans for the land and the home. It’s a smart way to streamline your finances and potentially save a lot of money over the life of your loan.

Know What to Ask Your Lender

Not all lenders are created equal, especially when it comes to financing land and manufactured homes. Don’t be afraid to shop around and ask pointed questions. Some lenders don’t offer certain types of loans, like USDA or chattel mortgages, while others might have specific down payment requirements. For example, some may require a minimum of 5% down for a manufactured home. Create a list of questions before you speak with loan officers. Ask about the types of loans they offer, their typical down payment requirements, interest rates, and any fees. Being an informed borrower is your best asset.

Spot These Common Red Flags

Understanding the lender’s point of view can help you anticipate challenges. Because land doesn’t have a house on it to serve as immediate collateral, lenders often view these loans as having more risk. This is why they frequently have stricter approval criteria. If a lender seems hesitant or is requiring an unusually high down payment, it’s not necessarily a reflection on you. It’s just the nature of land loans. Be prepared for a thorough review of your finances and don’t be discouraged if the requirements seem tough. This is standard practice, and knowing it ahead of time keeps you from being caught off guard.

Negotiate for Better Terms

Finally, remember that you have power in this process. Don’t just accept the first offer you receive. If you have a strong application, you may be able to negotiate for better terms. Research different loan programs that could work in your favor. Government-backed options like FHA, VA, and USDA loans often have competitive rates and more flexible requirements, especially for rural properties. When you compare offers from different lenders, you can leverage them to get the best possible deal. Securing the right financing can often be more affordable than renting, so it’s worth the effort to advocate for yourself.

Tailored Advice for Your Unique Situation

Everyone’s path to land ownership looks a little different. Whether you’re just starting out, planning for your golden years, or looking for a smart investment, your goals will shape your financing journey. Think of this as your personal roadmap. We’ve broken down specific advice for four common scenarios to help you find the approach that works best for you and your family. No matter where you are in life, owning a piece of Texas is within reach.

Tips for First-Time Homebuyers

If you’re a first-time homebuyer, the idea of buying land and a home can feel huge, but it’s often more achievable than you think. In many cases, financing a manufactured home and land is more affordable than renting. Government-backed loan programs are a great place to start your research. Options like FHA loans are specifically designed to help first-time buyers with lower down payments and more flexible credit requirements. Don’t let myths about financing hold you back. With the right plan, you can stop paying your landlord’s mortgage and start building equity in a place that’s truly your own.

Planning for Retirement on Your Own Land

Dreaming of a quiet retirement away from the city bustle? Owning your own land offers a unique sense of freedom and stability for your next chapter. When you own the land your manufactured home sits on, you have more control over your environment and your future. It’s not just about having a peaceful place to call home; it’s also a solid financial strategy. Land tends to appreciate over time, which means your property can become a valuable asset. This gives you more financial flexibility and something to pass on to your loved ones, making it a smart move for a secure and fulfilling retirement.

What Rural Property Buyers Should Know

Buying property in a rural area comes with its own set of perks, including special financing opportunities. If you’re looking at land outside of major city limits, you should definitely look into USDA loans. The USDA’s Single Family Housing Direct Home Loans program is designed to help low-income applicants find safe and sanitary housing in eligible rural areas. These loans can make land ownership possible for people who might not qualify for conventional financing. It’s a fantastic resource that supports the growth of Texas communities while helping families plant their roots.

Using Your Land as an Investment

Owning land is one of the most reliable ways to build long-term wealth. Unlike a home, which can depreciate, land itself typically increases in value. When you own both your manufactured home and the land it’s on, your equity can grow from two directions. As you pay down your loan and the property value appreciates, you build a powerful financial asset. This equity can be used later for other investments, or you can sell for a profit. Viewing your land purchase as more than just a homesite—but as a cornerstone of your financial future—is a smart perspective to have from day one.

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Frequently Asked Questions

Why does it matter if my home is called "mobile" or "manufactured"? The distinction is a big deal to lenders. Homes built before mid-1976 are "mobile homes" and don't meet federal construction standards, making them very difficult to finance. Homes built after that date are "manufactured homes" that follow strict HUD codes for safety and quality. Because of this, lenders are much more willing to offer loans for manufactured homes, often with terms similar to those for traditional site-built houses.

What if my credit score isn't perfect? Am I out of luck? Not at all. While a high credit score helps you get the best rates on conventional loans, it's not the only path to ownership. Government-backed programs like FHA loans are specifically designed for buyers with less-than-perfect credit, sometimes accepting scores in the 500s. Another great route is owner financing, where the seller acts as the lender. This process is often more flexible and can look beyond just a credit score to see your whole financial picture.

Is a huge 20% down payment always necessary to buy land and a home? That's a common myth, but it's not always the case. While some conventional land loans might require a down payment that high, many other options don't. FHA loans, for example, can require as little as 3.5% down. If you qualify for a VA or USDA loan, you might not need a down payment at all. It really depends on the type of loan you pursue, so it's worth exploring all your options before assuming you need a massive amount of cash upfront.

Besides the mortgage, what are the biggest "surprise" costs I should plan for? The most significant costs that can catch people off guard are related to getting the land ready for your home. This is often called "site prep" and can include clearing trees, leveling the ground, and pouring a foundation. You also need to budget for connecting utilities. If you're in a rural area without city services, this could mean installing a septic system and drilling a well, which can be a substantial investment. Getting quotes for this work early is a smart move.

How is owner financing different from getting a loan from a bank? With a bank loan, you're dealing with a large financial institution that has rigid requirements for credit scores, income, and debt. With owner financing, you work directly with the landowner, like us at Eden Land Company. This relationship makes the process much more personal and flexible. We can often create terms that fit your specific situation because we're not bound by the same strict rules as a bank, making it a more straightforward path to owning your own land.