0% Interest Land Financing

Affordable Land with Simple Monthly Payments

Southwest America Land Company offers 0% interest financing on select properties, making it easier to purchase land without paying the entire purchase price upfront.

Qualified properties may be purchased through equal monthly payments for up to 12 months. No interest is added to the advertised purchase price.

Financing Highlights

0% interest
No separate finance charge
Equal monthly payments
Terms of up to 12 months
No prepayment penalty
Secure electronic payment invoices
Warranty Deed prepared after the property is paid in full
Seller’s customary document-preparation and deed-recording costs included unless otherwise stated

How the Process Works

1. Select an Eligible Property

Contact Southwest America Land Company to confirm whether financing is available for the property you wish to purchase. Financing is not available for every property and is subject to Seller approval.

2. Review the Financing Terms

You will receive a written Land Contract identifying:

The property and parcel number
Total purchase price
Monthly payment amount
Payment due dates
Length of the payment plan
Default and cure provisions
Deed-delivery process
Other applicable terms

3. Sign the Land Contract

The Land Contract can be reviewed and signed electronically. The agreement becomes binding after it is properly signed and any required initial payment is received.

4. Make Monthly Payments

Payments are made according to the schedule included with the Land Contract. Payment reminders or secure electronic invoices may be provided before each due date.

You may pay additional amounts or satisfy the remaining balance early without a prepayment penalty.

5. Receive Your Warranty Deed

Southwest America Land Company retains legal title until the purchase price and all other obligations under the Land Contract are satisfied.

After the property is paid in full, Southwest America Land Company will prepare and submit a Warranty Deed for recording with the appropriate county. A copy of the recorded deed or recording confirmation will be provided when available. County processing times may vary.

Property Use During the Payment Period

Unless the Land Contract specifically provides otherwise, the Buyer may not occupy, camp on, improve, grade, fence, excavate, lease, transfer, store property on, or install structures, utilities, wells, septic systems, manufactured homes, mobile homes, or recreational vehicles on the property before the Warranty Deed is recorded.

Any use of the property must also comply with applicable laws, zoning, permitting requirements, recorded restrictions, and county regulations.

Buyer Due Diligence

All properties are sold in their current AS-IS, WHERE-IS condition unless otherwise stated in writing.

Before purchasing, Buyers are responsible for independently verifying all matters important to their intended use, including:

Recorded legal description
Parcel boundaries and acreage
Legal and physical access
Road conditions and maintenance
Zoning and permitted uses
Minimum parcel-size and building requirements
Manufactured-home and recreational-vehicle rules
Utility availability and connection costs
Water availability and well requirements
Septic feasibility and permitting
Recorded easements, covenants, and restrictions
Property taxes and assessments
Flood and environmental conditions
Suitability for the Buyer’s intended use

Maps, photographs, measurements, boundary depictions, utility distances, and other property information are provided for general reference and should not replace independent verification, recorded documents, or a survey performed by a licensed surveyor.

Final Sales and Refunds

Except as required by applicable law or agreed in a written document signed by Southwest America Land Company, completed property purchases are final and non-refundable.

A Buyer may not cancel a transaction or demand a refund merely because the Buyer changes plans, later determines that the property is unsuitable for an intended use, or fails to complete due diligence before signing.

Missed Payments

The applicable Land Contract will explain when a payment becomes delinquent and describe the notice and opportunity-to-cure process.

If a default is not cured within the time provided by the Land Contract, Southwest America Land Company may terminate the agreement or pursue other remedies available under applicable law. A Warranty Deed will not be delivered or recorded while a default remains unresolved.

Frequently Asked Questions

Is a credit check required?

Financing requirements may vary. Contact Southwest America Land Company for the terms applicable to a particular property.

Is there a down payment?

Any initial-payment or down-payment requirement will be disclosed before you sign the Land Contract.

Can I pay the balance early?

Yes. The unpaid balance may be paid early without a prepayment penalty.

Will I pay interest?

No interest is charged under an advertised 0% financing plan. The written Land Contract will state the purchase price, finance charge, payment amount, and total of payments.

When will I receive the deed?

The Warranty Deed is prepared and submitted for recording after the purchase price and all other obligations under the Land Contract are satisfied.

Are taxes included in the monthly payment?

Unless the Land Contract states otherwise, Southwest America Land Company remains responsible for property taxes attributable to its ownership period. After ownership transfers, the Buyer becomes responsible for future property taxes and assessments.

Can I use the property while making payments?

Generally, no. Property use, occupancy, improvements, and installations are not permitted before the deed is recorded unless expressly authorized in writing.

Contact Southwest America Land Company

Phone: 575-299-8888
Email: info@swamericaland.com
Website: SouthwestAmericaLand.com

Financing availability, payment terms, property eligibility, and approval requirements may vary. The written Land Contract and payment schedule control the transaction.