Owner-Financed Land Companies in Texas, Compared (2026)
Disclosure: TerraFunded publishes this page and is one of the companies compared. Every other company's data comes from its own website or its public Better Business Bureau profile, checked on November 8 and 9, 2026. When a company does not publish a fact, the table says so; nothing is estimated.
The short answer
The biggest difference between these sellers is not the monthly payment. It is what you hold on closing day: a deed recorded in your name, with the seller holding a lien until you pay off, or a contract for deed, where the seller keeps title until the last payment. Of the eleven companies, two say in writing that the buyer gets a deed at closing (TerraFunded and Elegment Land), three use a contract or note and transfer the deed at payoff (Classic Country Land, Landopia and Texas Land Brokerage), and six do not publish it. Ask for it in writing before you pay any deposit.
Side-by-side comparison
| Company | In business since | Where in Texas | Lot sizes | Down payment | Interest rate | Term | What you get at closing | Closes at a title company | Credit / approval | Prepayment penalty |
|---|
| TerraFunded | 2020 | Northeast, North and Central Texas (11 counties with farms) | 10+ acres | 5%, 10% or 20% of the financed price | 10% fixed | 10 or 15 years | Warranty Deed recorded in your name, owner's title policy, Deed of Trust | Yes, a licensed Texas title company | Approval without a bank | None |
|---|
| Ranch Enterprises LTD. | About 25 years in business | Hill Country, West, South and North Texas | About 10 to 120+ acres | From 5% | Not published (fixed) | Up to 30 years | Not published | Not published | Not published | Not published |
|---|
| Classic Country Land | 1999 | Several regions (Presidio, Hudspeth, Red River, Knox, Jasper, Hunt and other counties) and 13 other states | 0.55 to 80 acres | $999 up to 20% | 8.99% to 10.99% APR | Up to 20 years; some contracts have a balloon after 3 years | Contract for deed; warranty deed after payoff | Not published | No credit check (per company) | None |
|---|
| Creekside Rural Investments | 1996 | Central and West Texas (statewide listings) | Mostly about 10 to 12 acres | Not published | Not published | Agreed with each buyer | Not published | Not published | Not published | Not published |
|---|
| Santa Cruz Properties | 1993 | Rio Grande Valley and South Texas | Not published | Not published ("low") | Not published | Not published | Not published | Not published | No credit check (per company) | Not published |
|---|
| Elegment Land | 2016 | 17 counties, mostly East and Central Texas | Mostly small homesites; up to about 42 acres | Typically 10% to 30% | Typically 10% to 12% | About 5 to 30 years, by lot size | Deed recorded in your name at closing; seller holds a deed of trust | No by default (in-house closing; title company optional at buyer's cost) | No credit check (per company) | None |
|---|
| Texas Owner Finance Ranches | 2014 | Hill Country and South Texas (Edwards, Duval, Uvalde) | About 20 to 208 acres | 3% to 7% | Not published (fixed) | Up to 30 years | Not published | Not published | No credit check (per company) | None |
|---|
| Lonestar Land Sales | "20+ years of experience" | Central and East Texas | About 2 to 12 acres | Typically 10% | Not published | Not published | Not published | Title work through a title company | Not published | None |
|---|
| Landopia | 2015 | West Texas (El Paso, Hudspeth, Culberson); company based in Tennessee | 0.5 to 53 acres | Around $175 plus a doc fee | 0% | About 6 years on average | Contract; warranty deed at payoff | No (e-signed; title insurance usually not included) | No credit check (per company) | None |
|---|
| Liberation Ranches | Brand since 2021 (retail brand of Hawthorne Capital, Houston) | East of Houston (Liberty County area) and near Dallas, Fort Worth and Waco; company based in Houston | Ranchettes; listings of about 12+ acres | Not published ("flexible down payments") | Not published | Not published; fully amortized, no balloon, no PMI (per company) | Not published | Yes, per company ("licensed title company") | Not published | Not published |
|---|
| Texas Land Brokerage | Broker licensed since 2011 (TREC license 617262); current site since 2023 | Hill Country and West Texas (Coke, Edwards, Kinney, McCulloch, Real, Sutton and Val Verde counties); based in Kerrville | From about 1 acre up to large ranch tracts; listed tracts $449,500 to $1,069,000 | Usually 5% of the purchase price | Not published (varies by property and down payment, per company) | Up to 30 years | Contract or promissory note; deed after the full amount is paid | Not published | Owner financing by the seller (per company) | None |
|---|
Facts checked on 2026-11-09. "Not published" means the company does not state it on its website; ask the company directly.
How to choose (and how we compared)
How we compared: we included only companies that sell their own rural Texas land and carry the financing themselves, and we took every fact from the company's own website or from a public record (Better Business Bureau profiles), with the date we checked it. For a buyer, five things matter most. First, what you receive at closing: some sellers record a deed in your name at closing and hold a lien (a Deed of Trust) until the loan is paid, while others use a contract for deed, where the seller keeps title until the last payment. Second, total cost: price, interest rate, term, down payment and fees together, not the monthly payment alone. Third, transparency: whether rates, terms and closing documents are published before you call. Fourth, track record: years in business and public complaint history. Fifth, restrictions and costs after closing: deed restrictions, road or property owners' association fees, utilities, septic and mineral rights. Terms change often, so confirm every figure with the seller and a licensed Texas title company before you sign. TerraFunded publishes this page and appears in the table; its row uses the same fields as every other company.
Company notes and sources
TerraFunded
Publisher of this page. $1,000 reservation deposit, non-refundable, applied to the down payment. Closing in about 3 weeks.
Website: https://terrafunded.com/
Sources:
Ranch Enterprises LTD.
Kerrville company; says it has sold 320,000+ acres.
Website: https://www.ranchenterprisesltd.com/
Sources:
Classic Country Land
BBB A-, accredited since 2006 (checked Nov 8, 2026).
Website: https://www.classiccountryland.com/
Sources:
Creekside Rural Investments
Family-owned, San Angelo.
Website: https://www.creeksiderural.com/
Sources:
Santa Cruz Properties
Edinburg company; says it has developed 60+ subdivisions.
Website: https://www.scprgv.com/
Sources:
Elegment Land
BBB A+, accredited since 2020; says 800+ buyers since 2016.
Website: https://land.elegment.com/
Sources:
Texas Owner Finance Ranches
Kerrville company.
Website: https://txownerfinanceranches.com/
Sources:
Lonestar Land Sales
San Marcos. The site shows a real estate broker license, so it may act as broker on some tracts.
Website: https://tx-land.com/
Sources:
Landopia
BBB A+, not accredited (checked Nov 8, 2026).
Website: https://landopia.com/
Sources:
Liberation Ranches
Google rating 4.9 with 158 reviews on its Birdeye page; Spanish site ranchosliberacion.com; no BBB profile found (checked Nov 9, 2026).
Website: https://liberationranches.com/
Sources:
Texas Land Brokerage
Licensed real estate brokerage (broker William Cody Tuck); payments through a client portal; no BBB profile found (checked Nov 9, 2026).
Website: https://texaslandbrokerage.com/
Sources:
Marketplaces that list owner-financed land
These sites list land from many sellers. They do not sell or finance land themselves, so check the actual seller with the same questions.
- Land.com network (Land.com, LandWatch): Listing portal (CoStar Group). About 2,700 Texas owner-financing listings on Nov 8, 2026. It does not sell or finance land itself.
- Landmodo: Network where independent land investors list owner-financed parcels; about 490 Texas listings on Nov 8, 2026.
- LandHub: Listing marketplace with an owner-financing filter.
Frequently asked questions
What is the difference between a deed at closing and a contract for deed?
With a deed at closing, the land is recorded in your name on closing day and the seller holds a lien (a Deed of Trust) until you finish paying. With a contract for deed, the seller keeps legal title and you receive the deed only after the last payment. Texas regulates contracts for deed in Property Code Chapter 5, Subchapter D, but owning the land from day one gives you more protection.
Do these companies check credit?
Each seller publishes its own approval rules, and several say on their websites that they do not involve a bank. At TerraFunded the financing is approved directly by the company, with no bank involved. Ask each seller in writing what they review before you pay a deposit.
Why do interest rates range from 0% to over 10%?
Each seller sets its own price, rate, term and fees, and they trade off against each other. Compare the total you will pay over the whole loan, plus any balloon payment, not the rate or the monthly payment alone.
Does it matter if the closing happens at a title company?
A licensed Texas title company checks that the seller owns the land free of liens, records the deed at the county and issues an owner's title insurance policy. Some sellers close in house and make title insurance optional, which leaves those checks to you.
How were these companies chosen?
We included companies that sell their own rural Texas land and finance it themselves, with real Texas inventory and enough published information to compare. Marketplaces are listed separately because they do not sell or finance land. If a company believes a fact here is out of date, it can write to info@terrafunded.com and we will review it against its website.