Room to breathe, done right

Raw land, a home on a few acres, or a place for a shop and some animals. Land has more ways to go wrong than a house in a subdivision. I'll help you check them before you buy.

Tell me what you're looking for

Before you buy land

What I check on every piece of land

Septic and perc. No sewer? The soil has to pass for a septic system, or you may not be able to build.
Road access and easements. Make sure you can legally get in and out, and know who else can cross your property.
Flood zone and drainage. Flood zones change your insurance and where you can build.
Utilities. Power, water, internet and gas. Running lines a long way can cost thousands.
Survey and boundaries. Know exactly where your lines are, and whether there are any encroachments.
Restrictions and zoning. Some tracts limit mobile homes, livestock, minimum home size or subdividing.
Timber, fences and clearing. What it will take to make the land usable, and what it's worth as-is.

Financing land

How people pay for land

Land loans work differently than home loans. Here are the common routes.

Home on acreage

If there's a house on it, you can often use a regular mortgage, including a zero-down USDA loan in many rural areas.

Check the USDA map

Raw land loans

Local banks and farm credit lenders finance raw land, usually with a bigger down payment and shorter terms.

Owner financing

Some land sellers will carry the note. I'll make sure the terms are in writing and protect you.

Your land search

What kind of land do you want?

Tell me how many acres, wooded or open, what you plan to do with it, and your budget. I'll keep an eye out, including tracts that never get much attention online.

Got it, thank you!I'll reach out soon. If it's urgent, call or text me at 501-418-5937.