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No Credit Check Land Owner Financing Program - New York Land For Sale - www.WeSellNewYorkLand.com

Land Sale Owner Financing Program

We are proud to assist land buyers with less-than-perfect credit scores to obtain the land loan they need for a wholesale land purchase. Between our committed team of financing specialists who offer no credit check owner financed land solutions and our extensive wholesale land inventory, You’re at the right place to shop when you need to buy residential or commercial wholesale land but you possess a poor credit score.

  • No Banks
  • No Hidden Financing Fees
  • No Realtor Commissions

Every day, our finance department works with investors of all credit histories — including no credit and low credit individuals — to help them find financing options…

Perfect For Investing In Vacant Land On A Budget

Do you want to buy vacant land for your investment portfolio simply to?

  • Have to wait for lenders to process and approve your application!
  • Have your funding sources tapped out limiting your landholdings!
  • Have less-than-perfect credit but still want to invest!
Our Land Sale Owner Financing Program is an option, that you may not be aware of…

Our No Credit Check Owner Financed Land Program is popular with buyers because it allows them to leverage their money and invest in more wholesale land for sale in the USA even if they don’t have the full amount of money available to them at the moment.

Quick Approvals on Vacant Land

Buying land for sale by zip code in the USA is made easy with us. We offer affordable real estate land and a straightforward buying process in three simple steps:

Step 1: Research & Choose Your Property

Explore our diverse range of land listings in New York & Beyond, pick a property that interests you. Perform thorough due diligence to ensure it meets your needs. Access county information, such as Recorder of Deeds, Tax Collector office, Assessor office, or Mapping/GIS, by clicking on NY State County Information for more details. Join our V.I.P Land Buyers list for early access to wholesale vacant land investment properties before they are listed on our website.

Step 2: Secure Deposit

On the property listing page, click the Secure With Deposit button to secure your interest. Submit a refundable $500 deposit via PayPal, which will be credited towards your documentation fee to complete the purchase process. We ensure bank-grade security for all online credit card and bank payments. Rest assured, all deposits are fully refundable within 48 hours, no questions asked. This deposit is in addition to the full purchase price to cover all documentation and recording fees required by the county. Learn more by clicking on Buyer Transaction Protection

Step 3: We Finance Your Purchase

After making the deposit, sign all documentation, make a down payment, and start making monthly payments directly to us until your property is paid in full. Once the remaining balance is due, we’ll email you a statement, and you can choose a convenient closing date. Typically, this is the same day you submitted your down payment. However, if you prefer to close with a lawyer of your choice, be prepared to cover any additional costs that may arise.

You’re Approved Regardless Of Credit‎

Experiencing financial challenges lately, impacting your credit score?

Common issues leading to the need for bad credit financing include:

  • Foreclosure
  • Repossessions
  • Bankruptcy
  • Writing bad checks
  • Missed payments
  • Divorce

We simplify the process! With our owner financing option for land on sale, you bypass the need to qualify for financing. Our goal is to make land ownership accessible to as many clients as possible.

Once you’ve made a deposit and completed all required documentation, we’ll arrange a monthly payment plan and establish the loan terms, allowing you to finance the purchase. This leaves only the down payment due at the agreed-upon closing date.


  • No Credit
  • Bad Credit
  • First Time Buyer
  • Bankruptcies are OK!
  • Foreclosure is OK TOO!

The ONLY Disqualifying Reason: Anyone that has IRS liens attached to any other properties.

Our Landowner Financing Program is popular with our buyers because you simply make a deposit, sign all documentation, make a down payment, and you make your monthly payments… That’s It!

Vacant Land Loans: Everything You Need To Know

Sometimes referred to as a ‘land installment contract’, this allows you the buyer to pay the land owner in installments over a predetermined period of time. As with any loan, there are 3 components to a loan that determines how much the monthly payments are and how low will it take to pay off the loan in full

  • Down Payment Amount
  • Installment Payments
  • Loan Amortization Schedule

Down Payment Amount

For down payment amounts, Typically we require 20-25% of the Seller Financing Price, and depending on the Seller Financing Price you can own cheap land with a minimum of $0 down!

Also, If you want to want to pay off for your land faster, making a larger down payment is the first pillar to making it happen sooner.

You simply let us know beforehand the amount you want to pay down. Then we will accommodate the contract for the desired down payment amount, plus make the appropriate installment payment schedule adjustments.

Once we receive the down payment, we inform you of the terms of the loan which will be financed, the installment payment schedule that offers flexibility to work with your budget, and The loan amortization period (The length of time to pay-off the loan in full).

Installment Payments

In addition to the flexible terms of the loan which can be paid in full at anytime, You also have the convenience of making payments as low as $100/month until you own the property.

For all installment payments, We accept online bank payment (Electronic Funds Transfer or EFT) only and the installment payment will consist of the following:

  • Monthly Payment Amount (Principal & Interest)
  • Monthly Property Taxes (Escrowed into the Payment)
  • Monthly HOA Fees (Escrowed in if Applicable)
  • Monthly Note Service Fee

In the chart example below, The first set of payments represents if the purchase price ends up on the low end of the range and the second set of payments being the maximum amount, if the purchase price reaches the high amount in that financing range.

Installment Payment Range are as follow:

Purchase Price Range Installment Payment Range
$1 – $5,000Must Be Paid in Full At Time of Purchase
$5,001 – $9,999Monthly payment range of $60.00 to $163.66
$10,000 – $19,999Monthly payment range of $108.73 to $217.40
$20,000 – $29,999Monthly payment range of $157.08 to $314.15
$30,000 – $39,999Monthly payment range of $275.44 to $413..24
$40,000 – $59,999Monthly payment range of $376.07 to $501.41
$60,000 +Monthly payment range of $681.96 to $852.04

*Note: This is an example of installment payment amounts of principle & interest only.

Loan Amortization Schedule

The time it takes to complete our No Credit Check Land Owner Financing Program varies because the loan amortization period (The length of time to pay off the loan in full) depends on the purchase price, down payment amount.

Below is an example of our loan amortization* without a down payment and are subject to change:

*The length of time to pay off the loan in full

Purchase Price Range
Loan Amortization*
(Length of Time to Pay-Off the Loan in Full)
$1 – $5,000Must be paid in full at time of purchase 
$5,001 – $9,999Financed up to 3 years / 36 months
$10,000 – $19,999Financed up to 5 years / 60 months
$20,000 – $29,999Financed up to 8 years / 96 months
$30,000 – $39,999Financed up to 10 years / 120 months
$40,000 – $59,999Financed up to 15 years / 180 months
$60,000 +Financed up to 30 years / 360 months

*Note: This is an example of loan amortization schedule. Loan amortization schedule is subject to changwithout notice.

Flexible Owner Financed Land Loan Terms

As soon as you are registered on our No Credit Check Owner Financed Land Program, Our terms give you the flexibility to pay off the loan of your property sooner. You choose how quickly you’d like to pay off your loan and you can pay your property in full with these 3 options:

  • Early Pre-Payments
  • Yearly Balloon Payment
  • Pay The Remaining Balance In Full Anytime

These options give you the flexibility to pay off the loan of your property sooner with:

  • No Penalties for Early Pre-Payments
  • No Penalties for Yearly Balloon Payments
  • No Penalties for Paying the Balance in Full Anytime

It is very simple, We make it easy to buy land up to 80% off Full Market Value. With our No Credit Check Land Owner Financing Program, It is our mission to make land ownership affordable for as many people as possible.

If you’re interested in learning more about how our No Credit Check Land Owner Financing Program can work for you. 

Feel free to Call Us Now at 1-(888)-247-7604 to discuss the type of land you’re looking for or fill out the quick form below to see if our Owner Financed Land Program is right for you.

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