Frequently Asked Questions About Buying Rural Property
Most frequent investment questions and answers about undeveloped land, owner financing, and purchasing raw land from Field & Country.
How do I apply for owner financing?
There is NO application process! No credit checks. You are already pre-approved. Simply put, if you can afford the down payment, we’ll finance you.
How do I make arrangements to inspect the property before I buy it?
Your property isn’t “locked in” until we receive your down payment. Before making arrangements to see a specific parcel, we strongly encourage you to pay your down payment to ensure that the property hasn’t been sold to someone else by the time you arrive. (Remember, your down payment is covered by our 100% satisfaction guarantee.) We’ll then make arrangements with you to visit the property at your own expense.
What documents do I need to apply for owner financing?
None. Our process is so simple that no documentation is required.
I don’t see an address for the property; how do I find it?
Every property has the coordinates listed in the ad and a google map with a pin dropped in the center of the property. Use these coordinates like an address by entering them into Google Maps, or Google Earth, and it will drop a pin right on the property, similar to the property pages on this site.
How long does it take to close on a property after I make my down payment?
Once your down payment clears, we’ll send out your entire deed package via email using SignWell (we are going green by saving tons of paper). This packet will include maps, photos, your Land Contract, Promissory Note, and Purchase Sale Agreement. Once you sign the documents digitally we will set you up on automatic payments. Once you pay off your note, we issue your Warranty Deed. The county will then mail you the original recorded deed for your files. It’s that simple. The whole process usually takes about two weeks, and most of that is the time it takes for the county to process the paperwork. Once you make your final payment on the property, we’ll Issue you your Warranty Deed. At that point you own it free and clear.
Is land a safer investment than the stock market?
Some of the wealthiest people on earth got their start in real estate, and for good reason. Simply put, they’re not making any more land. There is a finite supply, and as the world’s population grows, rural, undeveloped land will likely become even more valuable. Not to mention, technology making remote off-the-grid property ever more valuable, such as: solar, wind, Starlink (fast internet off-the-grid), trends in mini-homes and “bug out/prepper” land, and, additionally, modular housing like Boxabl.
Why should I buy from Field & Country instead of a real estate agent?
A real estate agent’s fees can range from 5% to 8% of the purchase price. At Field & Country, we eliminate the middleman, saving you even more.
Do I need an attorney or real estate agent?
We’ve simplified the buying process with straightforward, easy-to-read contracts. Of course, we encourage you to hire a professional if you think it’s necessary, but we’ve done our best to make the process easy for anyone to understand.
How much are property taxes?
The property taxes are typically current unless otherwise stated and will vary from parcel to parcel. We will disclose the tax information in all of our listings. On installment sales, estimated taxes are prorated in your monthly payment, usually only a few dollars a month for most of our properties.
How does your money-back guarantee work?
We want you to be 100% satisfied with your purchase of rural land. If you’re not satisfied for any reason with the first 90 days after closing, simply call us, and we will either exchange your parcel for one you like better, or refund your note payments up to that point. It’s simple: if you don’t love it, we don’t want you to own it. One of the benefits of working with Field & Country is that you’re dealing with the actual owner of the property, not some developer or shell corporation. And we want you to be happy. For full details on guarantee, see our Guarantee page.
Does the property have utilities?
We specialize in land that is vacant and undeveloped. Some of our property may have services – i.e. sewer, water, power, etc.) – and some of our property may be completely raw: no sewer, water, power, etc. Each property page indicates what is available under the property details section. Unless indicated in the property details, the rural properties we represent do not have utilities. They’re perfect for solar or wind powered technology.
Why should I buy from Field & Country instead of Craigslist or eBay?
Price, quality, simplicity and trust. There are a lot of land sellers, but none have as simple and transparent a buying process as ours. Our land has been handpicked for access, mountain views and potential appreciation.
What is this property zoned?
Buyers may contact the county with the property’s APN/Tax ID number to get zoning information – both of these numbers are listed in the property details section each individual property on our website.
What kind of access does this property have?
The property details section of each property will state what kind of access the property has. Some of properties have road access, some have only legal access, some do not have either a road or legal access. This will be clearly stated within the property details section of each specific property on the Field & Country site.
Are there back taxes, HOA fees, or other hidden fees?
We ensure taxes are up to date when make a purchase for the cash price – you may call the county clerk to verify. On installment sales, estimated taxes are prorated in your monthly payment, usually only a few dollars a month for most of our properties. There are no HOA fees that we are aware of unless clearly stated in the property details section of the specific property, however buyer should always conduct due diligence. There are no other hidden fees that we are aware of. All information we are aware of is disclosed on each property’s page in the property details section.
How much will it cost to drill a well?
This is highly variable. Call a local well-driller for a quote.
Are mineral rights included?
If, when we purchased the property, the vesting deed specifically stated that mineral rights are retained by a previous owner, we will know this disclose it in the within the property details section. But if the rights were retained further back in the chain of ownership (more than 20 years), we might not know this without a full title search. Buyers may pay for a title search to find out for sure if mineral rights are included.
Where can I get financing for one of your properties that you aren’t able to owner-finance?
Buyers can often get personal loans from a bank, friends, or family, or they can use a credit card to pay online.
What properties qualify for owner financing?
All of our properties on our Listings page qualify for financing. The down payment amount varies based on the cash discounted price.
On the County website it shows that you purchased the property for $_____. Why are you selling it for a higher price than you paid for it?
We pride ourselves on providing great properties at prices that are way below their open-market comps. We incur significant costs to acquire, advertise, and sell them, and we believe our prices reflect both our core value of providing super low-priced deals, as well as the reality that we have to keep our business profitable. Additionally, in states that do not require public disclosure of sale price, you will often see $10 for the conveyance of a property on the deed or a similar small number.
When I buy on terms, when do I get the Title?
When we finance land to buyers, we use a Land Installment Contract (you act as owner) but the deed will not be conveyed to the buyer until the final payment has been made on the loan.
Are there any Land Use Restrictions?
You may do whatever you want within the law and covenants or restrictions of the area (do your own due diligence). If we receive code enforcement complaints and or fines, we will forward them onto you. You will be expected to comply with the county’s request within the timeframe allotted by the county as written in the citation. If unable to comply within that time frame we reserve the right to treat it exactly like non-payment and issue a notice of default giving you a final 30 days to comply. So please comply with code enforcement and land use. We like happy, paying customers. We don’t like taking properties back.
What happens if I default on my terms purchase?
In the event of default by Buyer, Seller may give written notice of such default to Buyer, and if said default is not corrected within five (5) days of such notice, the Seller shall give an additional notice thereof to Buyer that if such default has not been corrected and any delinquent payments (including reasonable expenses incurred by Seller as a result of the default) made current within thirty (30) days of this notice, the interests of Buyer in the Property shall be forfeited and Seller shall be entitled to immediate possession of the Property and may retain all monies paid by Buyer as liquidated damages, unless otherwise decreed by a court of competent jurisdiction.
What is involved in a terms/installment sale?
Three document underpin your obligations when purchasing via owner financing, a.k.a. installment sale.
1.) Installment Land Contract:
This agreement simply outlines the terms and conditions of the sale that you as buyer and Field & Country as seller mutually agreed upon. The highlights of this contract are the purchase price, financing terms, receipt of your down payment, and Field & Country’s guarantee in writing.
2.) Promissory Note:
Your signed agreement to pay each month, on time, the specified monthly payment.
3.) ACH Authorization:
Monthly payment for intallment sales are automated using ACH, an ACH transfer is a payment method for transferring funds from one bank account to another.
For the financing option, will you run my credit report?
No, one of the benefits of using financing with us is that we won’t run your credit. As long as you can make the down payment and are ready to make a commitment to making your monthly payments. We will be happy to work with you and help you own this land.
I’m ready to purchase a property, what do I do?
Head to the listing of the property you want, and then click on the Reserve Your Land Now button at the bottom of the listing. There will be further instructions on that page about how to pay and what will happen next.
If I am using the financing option and paying the down payment today, what will happen next?
After receiving your payment, we will prepare and send you a Land Contract. Once the documents are signed, you can begin enjoying your new land immediately. We will also work with you to arrange the best way for you to begin making your monthly payments going forward.
What type of Deed will be recorded?
Great question, we will be using a Warranty Deed, which is the strongest and safest of all deed types. We guarantee free and clear title to your new property.
Can I have more than one name/person listed on the new Deed for the property?
Yes, no problem. Once we receive your payment, we will contact you to see who and how you want the new legal title recorded. The deed can be made in one or multiple names, or in the name of a trust, corporation, or LLC. We can go over the specifics of this step in further detail if you would like.
How often do you add new investment land to the site and VIP Buyers List?
We add new properties to this site on a continual basis. So, check back often as our properties tend to sell very very quickly.