General Information & Answers to Common Questions
Finance Information:
There is no finance charge for early payments- partial or full payoff. This way the buyer can choose to pay for the
property slowly or quickly without penalty, it's your choice.
Buyer does not have to pay any:
escrow fees
mortgage origination fees.
"points" fees
loan application fees
processing fees
credit check fees
settlement fees
lender closing fees
title examination fees
document preparation fees
The only fees the buyer has to consider is a late payment fee if your payment is not received on time (typically $50) so
don't be late on your payments.
The interest rate is 1% per month or 12% per year. We do not check credit reports. Nearly everybody qualifies for
in-house financing. We structure our contracts to protect ourselves. Your regular monthly payments prove your credit
worthiness to us. If you maintain a good payment history, we transfer the title of the property to you. If you do not make
your payments on time, we do not.
Some people think that 12% interest rate is to high. If you have excellent credit, then borrow the money from someone
else that advertises a lower rate... But mysteriously, does not want to loan any money. We don't care if banks advertise
4% or 5% interest rate on loans. They are not approving anybody. Even if they do, you will still have to pay many of the
fees listed above that we do not charge.
Property Information:
We work hard to bring you accurate and detailed information about all of our properties. All website visitors agree to
indemnify and hold harmless the sellers and any employees or affiliates of the sellers for any incorrect information. It is
the obligation of the buyer to inspect the property and verify anything that is important to him or her.
Common Questions and Answers:
Q: What is the cash price for the property?
A: Everybody wants to know what the "cash price" is but we have never sold a property for cash. If you are genuinely
interested in making a cash offer for any of our properties, please submit your offer to us in writing and we will evaluate
it.
Q: Can I increase the down payment so that the monthly payments will be lower?
A: Yes. Our down payment / monthly payment advertised is just one possible scenario. A significantly larger down
payment can save you a lot of money in interest, reduce your monthly payment requirement, or possibly both.
Q: Can I make the term of the financing (loan payback time) shorter so I can save on interest?
A: Yes you can. We like to use a 30 year repayment term so you have the opportunity to make a minimum payment if
needed. There is no penalties for early payoff so we can generate a repayment schedule so you know what the monthly
payments are to pay off the mortgage in any time period you like. Requiring lower minimum monthly payments makes
it possible for more people to be able to invest. It also makes it more likely that you will not be late on your payments.
Q: What if I start making payments on a property without visiting the property first? What if I change my mind at a later
date?
A: Sometimes people will buy property "sight unseen". This is actually fairly common. If you live a long way from here
and want to start putting down money on your retirement land, we will be glad to help. We do not offer refunds but we
will allow you choose a different property that is available. One of our best benefits is that we offer a selection of
properties with different features, amenities and values. Our goal is to have happy buyers. If your initial selection is not
your favorite choice, we will work with you to find one that is.
Finance Information:
There is no finance charge for early payments- partial or full payoff. This way the buyer can choose to pay for the
property slowly or quickly without penalty, it's your choice.
Buyer does not have to pay any:
escrow fees
mortgage origination fees.
"points" fees
loan application fees
processing fees
credit check fees
settlement fees
lender closing fees
title examination fees
document preparation fees
The only fees the buyer has to consider is a late payment fee if your payment is not received on time (typically $50) so
don't be late on your payments.
The interest rate is 1% per month or 12% per year. We do not check credit reports. Nearly everybody qualifies for
in-house financing. We structure our contracts to protect ourselves. Your regular monthly payments prove your credit
worthiness to us. If you maintain a good payment history, we transfer the title of the property to you. If you do not make
your payments on time, we do not.
Some people think that 12% interest rate is to high. If you have excellent credit, then borrow the money from someone
else that advertises a lower rate... But mysteriously, does not want to loan any money. We don't care if banks advertise
4% or 5% interest rate on loans. They are not approving anybody. Even if they do, you will still have to pay many of the
fees listed above that we do not charge.
Property Information:
We work hard to bring you accurate and detailed information about all of our properties. All website visitors agree to
indemnify and hold harmless the sellers and any employees or affiliates of the sellers for any incorrect information. It is
the obligation of the buyer to inspect the property and verify anything that is important to him or her.
Common Questions and Answers:
Q: What is the cash price for the property?
A: Everybody wants to know what the "cash price" is but we have never sold a property for cash. If you are genuinely
interested in making a cash offer for any of our properties, please submit your offer to us in writing and we will evaluate
it.
Q: Can I increase the down payment so that the monthly payments will be lower?
A: Yes. Our down payment / monthly payment advertised is just one possible scenario. A significantly larger down
payment can save you a lot of money in interest, reduce your monthly payment requirement, or possibly both.
Q: Can I make the term of the financing (loan payback time) shorter so I can save on interest?
A: Yes you can. We like to use a 30 year repayment term so you have the opportunity to make a minimum payment if
needed. There is no penalties for early payoff so we can generate a repayment schedule so you know what the monthly
payments are to pay off the mortgage in any time period you like. Requiring lower minimum monthly payments makes
it possible for more people to be able to invest. It also makes it more likely that you will not be late on your payments.
Q: What if I start making payments on a property without visiting the property first? What if I change my mind at a later
date?
A: Sometimes people will buy property "sight unseen". This is actually fairly common. If you live a long way from here
and want to start putting down money on your retirement land, we will be glad to help. We do not offer refunds but we
will allow you choose a different property that is available. One of our best benefits is that we offer a selection of
properties with different features, amenities and values. Our goal is to have happy buyers. If your initial selection is not
your favorite choice, we will work with you to find one that is.
| Done Right Land: Q & A |
Still have questions? Call us today. (928) 718-7777
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