Owner financing
Buy land with no credit check.
Avoid the red tape of banks. Own your half acre in Monte Alto with owner financing from the developer.
How it works
With owner financing (also called seller financing) you buy directly from the land developer. There's no bank in the middle — so no credit check, no loan committee and far less paperwork.
Instead of your credit score, approval is based on proof of income. You make a down payment, sign your contract, and make monthly payments directly to the developer. Your contract is open: you can pay off the balance in full or in part at any time, with no penalty.
- No credit check — bad credit or no credit is OK
- Low down payment
- Pay off early anytime, no prepayment penalty
- Faster closing than a bank loan
- Service in English and Spanish
Why buyers choose it
The benefits.
No credit check
Buying land isn't just for the credit-savvy. Qualify with your income instead of your score.
Affordable payments
Work directly with the seller on a down payment that fits your budget.
Quicker closing
Skip the bank approval process and own your land sooner.
Lower closing costs
Avoid appraisal, loan-application and credit-report fees that come with bank loans.
Open contract
Pay extra or pay it all off whenever you're ready — no penalty.
Build sooner
Water meter and septic are already in, so you can start your home faster.
Financing questions
Can I buy land with bad credit or no credit?
Yes. Vista Ridge Acres offers owner (seller) financing directly from the developer. There is no credit check — eligibility is based on proof of income. You can pay off your balance early, in full or in part, with no penalty.
How much are the lots at Vista Ridge Acres?
Half-acre lots are priced in four tiers: $59,900, $64,900, $69,900 and $74,900, depending on location in the subdivision. The interactive lot map shows the live price and status of every lot.
How do I reserve a lot?
Pick a lot on the map and tap Reserve, or call/text David at (956) 239-1872. We'll confirm availability, go over financing and set up your paperwork.
Let's talk
Get your personalized terms.
Tell us which lot or price range you’re considering and we’ll walk you through down payment and monthly options.