Owner financing
No banks. Just you, us, and the land.
We've kept the process the way land used to be sold: fair terms, plain paperwork, and a neutral escrow company keeping everyone honest.
1 · Pick your lot
Browse the inventory, ask questions, and if you can, come walk the land with us. (Fair warning: the pines usually close the deal.)
2 · Agree on terms
Price, down payment, monthly amount — we keep it simple and put it all in a standard New Mexico real estate contract. No bank, no loan application, no credit hoops.
3 · Escrow holds the deed
The signed deed goes to Escrow, Inc. of El Paso — a neutral third-party escrow company. They hold it safely until you finish paying. Neither of us can touch it.
4 · Easy monthly payments
Payments run by automatic bank draft through the escrow company, so there's a clean third-party record of every dollar you've paid.
5 · The land is yours
Make the last payment and escrow records the deed in your name at the Otero County courthouse. Done. Pay it off early any time — no penalty.
Straight answers
Questions we hear a lot
Do you check credit?
No. Your down payment and your word are what matter to us. That's the point of owner financing — we're the bank, and we'd rather judge people than scores.
What are typical terms?
Each lot lists its own numbers, but the shape is always the same: a modest down payment and monthly payments most folks handle without noticing. More down means less per month — tell us what works and we'll structure around it.
Is this legit? Who protects me?
The contract is a standard New Mexico real estate contract — the same instrument used across the state for decades. The deed sits with a licensed neutral escrow company from day one, and every payment goes through them, on the record.
Can I pay it off early?
Any time, no prepayment penalty. Plenty of buyers pay monthly for a while and then knock it out with a tax refund or a bonus.
Can I use the land while I'm still paying?
Yes — that's the beauty of it. Camp on it, improve it, enjoy it. It's your land under contract from the day you sign.
What about property taxes?
Otero County taxes on vacant Timberon lots are famously small — typically well under a tank of gas per year. You take those over with the contract.