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A Few Things You Need to Ask Yourself Before You Buy Owner-Financed Land

Posted by admin on November 5, 2019
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Whenever it’s time to make the decision to invest in your own piece of land, it can be a huge step forward into your future, and with a new decade on our horizon, now would be the perfect time to start looking into investing in our Edinburg owner-financed lots.

Naturally, since it is a big decision to make, you may have quite a few questions regarding what you need to know before you take that next big step, and our realtors over at Santa Cruz Properties have got the answers you need.

1. What Can I Do With My Land?

The property you may be interested in might be labeled for a specific use and have notable restrictions depending on zoning laws and homeowners association rules, some of which are recreational, residential, and undeveloped.

For instance, if your property is marked as a residential lot, you may not be able to do build a farm on the property unless you want your neighbors or the homeowners association raising certain questions or concerns.

If you are building a home on your residential lot, you also need to be aware of who your neighbors are, as they might be very strict about certain things such as noise control or cleanliness. You want to be respectful of people’s space so that, in turn, they will be respective about yours.

2. Would My Land Have The Necessary Utilities Right Away?

It is very easy to assume that with your property purchase, you will automatically have all of your basic essential utilities at the ready. This is in fact not always the case, especially in the more rural areas. 

Take, for example, if you live in a suburban area, you may have access to a sewer system, septic tank, power, and water but for a monthly price. In more rural lots, this may not be the case. Along with the total cost of your rural property, you may also need to consider the potential cost of the basic utilities you may need to bring in.

3. What Are The Requirements In Order To Purchase?

Should you decide to purchase our owner-financed lots, our realtors would as you to provide the following:

  • Two (2) valid forms of identification which may include anything from a Texas Drivers License, passports, or a birth certificate.
  • Full down payment plus fees, depending on the lot.

4. How Much Will The Property Taxes Be?

In order to determine how much you will have to pay in property taxes, it all depends on the city and county in which you live. For a clearer idea and more in-depth specifics, it is important to contact your local government tax office and ask about your property.

The way that property taxes are paid through Santa Cruz Properties is through an escrow account that is set up when you purchase an owner-financed property from us. From there, the property taxes are automatically inputted into your monthly mortgage payment.

5. Why Santa Cruz Properties? 

At Santa Cruz Properties, we want to turn your future homeowner’s dreams into a reality. We believe in our clients first rather than the business aspect and want to ensure our lots and properties are accessible through our affordable owner-financing services, regardless of credit history.

Now would be the perfect time to inquire about our current listings as the new decade will come in sooner than you think and will benefit you for years and beyond.


Contact Santa Cruz Properties today at (956) 382-6490 to learn more about our Edinburg owner-financed lots.

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