Looking for owner-financed Colorado land without fighting a bank for a land loan? Great Land Investments (Jason & Isaac) sells affordable rural and recreational lots and offers direct owner financing on all of our properties.
We buy land in places like Costilla County, San Luis, Forbes Park, Wild Horse Mesa, and the broader San Luis Valley, then offer clear cash and financing options so you can move forward with confidence.
What owner financing means (in plain English)
Owner financing (also called seller financing) means you buy the land from us and make payments to us over time — not to a traditional bank or mortgage lender for the purchase itself.
On each listing we typically show:
- A cash price
- One or more owner financing options (down payment + monthly payment + number of months)
- Simple owner finance terms (such as doc/closing fee and whether you can pay off early)
Your monthly payment plan is spelled out on the property page before you buy. Terms are property-specific, so always review the numbers on the listing you care about.
Why owner financing matters for rural Colorado land
Banks and conventional lenders often treat vacant rural land differently than a home purchase. Credit requirements, down payments, and underwriting can make financing hard — even when the land itself is affordable.
That’s why we offer owner financing directly through Great Land Investments. Inexpensive land can be hard to find, and funding can be even harder — so we offer affordable land and a direct financing option through us on all our lands.
Owner financing can help if you want:
- A clear path to buy without relying on a bank land loan
- Monthly payments instead of (or alongside) a full cash purchase
- Options when credit is limited — listings state no credit check for our financing
How owner financing works at Great Land Investments
Step-by-step (buyer overview)
- Browse listings on greatlandinvestments.com — each property page includes location details, cash price, and owner financing options when offered.
- Compare cash vs. finance on that listing (see section below). Financing options usually show down payment, monthly payment, and term length.
- Contact us with questions about the lot, access, utilities, zoning, or the payment plan: (702) 745-8545 or hello@greatlandinvestments.com.
- Review the contract carefully — including payment schedule, fees, prepayment language, and what happens if plans change.
- Pay the down payment and doc/closing fee, then begin monthly payments per the agreement.
- Stay current on payments until the contract is satisfied.
Down payment, monthly payments, and fees (what’s on our listings)
From current public listings, buyers typically see:
| Item | What listings generally show |
|---|---|
| Down payment | A stated dollar amount (varies by property and payment plan — often a few hundred to around $1,000+ on sample listings) |
| Monthly payments | A fixed monthly amount for a set number of months (examples on live listings have ranged roughly from the mid-$100s to low-$300s, depending on price and term) |
| Term length | Property-specific; sample listings show plans up to about 69–85 months depending on the lot |
| Doc / closing fee | Commonly $200 or $250 on sample listings (listed as Closing / Doc Fees) |
| What’s included in the stated finance payments | Listings state that financing options include all interest, all closing costs, and all loan servicing fees |
| Taxes during financing | Listings state we pay property taxes while the property is being financed |
| Association fees (where applicable) | On some Forbes Park–type listings, we also state we pay the yearly association fee while the property is being financed |
| Credit check | Listings state no credit check (“Bad Credit, No Credit, No Problem”) |
| Early payoff | Listings state no prepayment penalty; some also mention a prepayment discount (10–30%) detailed in the contract |
Important: Exact down payments, monthly amounts, term lengths, and fees are not one-size-fits-all. Use the numbers on the specific property page, then confirm in writing before you commit.
Deed and title
Public listings commonly state:
- Deed conveyance: Warranty Deed
- Title: Clear & Free / Clear Title
Always confirm deed and title details — including timing — in your contract before you commit.
Transparency we try to put on every listing
Buyers reviewing our property pages will often find:
- Cash price and owner financing options side by side
- APN / parcel identifiers and legal descriptions
- GPS / map coordinates where provided
- County, subdivision, acreage, and access notes
- Zoning, utilities, and camping/build notes when available
That transparency is intentional: you should be able to evaluate a lot and its payment plan before you call.
Who owner financing fits
Owner financing may be a good fit if you:
- Want owner-financed Colorado land you can actually afford month to month
- Prefer not to go through a traditional bank for vacant land
- Are buying for recreation, a future cabin, camping (where allowed), or long-term holding
- Need a simple path with published down payment and monthly payment options
- Value clear parcel details (APN, GPS, county info) before deciding
It may not be the right fit if you need institutional mortgage features, complex construction lending, or terms that aren’t offered on a given listing. When in doubt, ask us — or buy with cash if that better matches your plan.
Cash vs. owner financing
| Cash | Owner financing | |
|---|---|---|
| Upfront | Pay the listed cash price (plus any stated fees) | Pay the listed down payment + doc/closing fee |
| Ongoing | No monthly payment to GLI | Monthly payments for the stated term |
| Credit check | N/A for bank underwriting through us | Listings state no credit check for our financing |
| Early payoff | N/A | No prepayment penalty on sample listings; some offer a contract-detailed prepayment discount |
| Best when | You want to own free and clear immediately | You want to spread cost over time with a published plan |
Many buyers compare both options on the same listing, then choose based on cash on hand and preferred monthly payment.
Areas where we sell (and offer financing)
We focus on affordable rural and recreational Colorado land, including:
- Costilla County land for sale
- San Luis and nearby San Luis Valley communities
- Forbes Park land for sale and Wild Horse Mesa land for sale
- Select other Colorado rural/recreational markets as inventory allows
Browse live inventory: Colorado land for sale.
Financing availability is stated on each property; our site messaging is that we offer a direct financing option on all our lands.
What buyers typically need
Based on how purchases are presented publicly, plan to have:
- A chosen property (or a short list) from our current inventory
- Funds for the down payment and doc/closing fee shown on that listing
- Ability to make the monthly payment on schedule
- Contact info ready for questions: phone or email
- Time to read the contract — especially payment schedule, default/prepayment terms, and deed/title language
We do not invent credit-score cutoffs on this page. Listings currently advertise no credit check for owner financing.
Owner financing FAQ
Do you finance every property?
Our homepage states we offer a direct financing option through us on all our lands. Always verify the published options on the specific listing.
Is there a credit check?
Property listings state no credit check and use the phrase “Bad Credit, No Credit, No Problem.”
What’s included in the monthly payment?
Listings state that owner financing options include all interest, all closing costs, and all loan servicing fees, and that we pay property taxes while the property is being financed. Where an association fee applies (e.g., some Forbes Park listings), we also note paying the yearly association fee during financing.
Can I pay off early?
Sample listings state no prepayment penalty. Some also mention a prepayment discount of 10–30%, detailed in the contract.
Will I get a warranty deed and clear title?
Listings commonly list Warranty Deed conveyance and Clear & Free / Clear Title. Confirm timing of deed delivery/recording in your contract.
How is this different from a bank land loan?
With us, you’re working directly with the seller on a published payment plan — not applying through a traditional bank for the land purchase. That can mean fewer underwriting hurdles, with terms shown on the listing.
Where can I see real examples?
Browse current inventory on greatlandinvestments.com. Each active listing’s Owner Financing Options and Owner Finance Terms sections show the live numbers for that lot.
Ready to look at land?
Browse owner-financed Colorado land on our site, compare cash vs. monthly payment plans, and reach out when a lot feels right. No pressure — just clear numbers and straightforward answers.
Listings commonly state Warranty Deed conveyance and clear title — always confirm details in your contract.
Start here
Sample listings (live inventory changes — always check current status)
- Costilla County acreage
- Forbes Park treed lot
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Website: https://greatlandinvestments.com
- Phone: (702) 745-8545
- Email: hello@greatlandinvestments.com
We’re Jason and Isaac — Great Land Investments — and we’re here to help you work toward becoming a landowner.
