East Texas Owner Financed Properties (2024)

SELLER FINANCING AVAILABLE

Please continue below to view our inventory of seller financed land for sale in Texas.

Dublin, TX

East Texas Owner Financed Properties (1)

Starting at 10.04 Acres

Grapeland, TX

East Texas Owner Financed Properties (2)

Starting at 11.00 Acres

Kerens, TX

East Texas Owner Financed Properties (3)

Starting at 10.25 Acres

Woodsboro, TX

East Texas Owner Financed Properties (4)

Starting at 10.01 Acres

Port Lavaca, TX

East Texas Owner Financed Properties (6)

Starting at 12.18 Acres

Palestine, TX

East Texas Owner Financed Properties (7)

Starting at 10.01 Acres

Centerville, TX

East Texas Owner Financed Properties (8)

Acreage : 10.38-12.16

Garrison, TX

East Texas Owner Financed Properties (9)

Starting at 11.02 Acres

Grapeland, TX

East Texas Owner Financed Properties (10)

Starting at 10.030 Acres

There are just about as many reasons to own land in Texas as there are stars in the sky above it. Whether you want to build a dream house, raise livestock, have private hunting grounds, or add to your investments, buying Texas properties can be a great way to get started. Think you’ll have trouble securing a loan from a bank? If so, you might believe you need to put your dreams on hold. Texas Acres is here to tell you that doesn’t have to be the case. We’re the best place to find Texas seller-financed properties that can allow you to get the acreage you want without the hassle of dealing with the banks.

How It Works

Unlike other Texas properties, all of the ones you see here are owned by us. That means you can buy land directly from us without having to go through the loan application process at a bank, though you still have that option. Choose the acreage that is best for you, and we’ll establish a payment plan in which you’ll make payments directly to us. All we ask for up front is a 10% down payment, although we may be able to adjust that amount to fit into your budget. It’s faster and easier than working through the traditional method, and we offer you more flexibility with our terms. If you want to learn more about how easy it can be to purchase seller-financed properties in Texas through us, click here.

Why Work With Us?

We have a wide range of properties available throughout the region. This means that no matter what you’re looking for, the chances are good that you’ll find something here that fits your needs perfectly. We’re dedicated to providing our customers with the opportunity to buy land through seller financing. If you want to learn more about what we have on hand right now, browse our current inventory on this page. Then, reach out to us to get started.

Welcome to Texas Acres, where your land ownership dreams come to life. Explore our wide range of properties, from scenic rural escapes to prime real estate opportunities. Whether you’re searching for a peaceful retreat or an investment opportunity, our wide selection of listings are here to help you find the perfect piece of Texas.

The verdant Texas land we have for sale isn’t just small residential lots, but rolling, open rural acreage perfect for show homes, sprawling ranches, country vacation homes, small-scale farms, and more.

Below, we provide further details regarding the region where our owner-financed propertyfor sale is located, as well as what particular terrain there, popular attractions, and historical landmarks to visit in East Texas. Here is everything you should know about the area surrounding ourEast Texas land for sale:

East Texas Owner Financed Properties (12)

The Three Main Areas of East Texas

One of the most important things to remember when looking forland for sale in East Texas, it’s important to know what areas are like within that region of the state. Along with numerous lakes, mountains, and rivers, East Texas boasts some of the most historic parts of the state and some of the best properties around. Here are the main three areas of East Texas and some information to know about them:

Upper East Texas

Covering much of the Piney Woods area of Texas along the northern border next to the neighboring states of Arkansas and Oklahoma. Upper East Texas contains around 16,000 square miles of land and is filled with properties that hold rolling hills, deep woods, and fertile pasture land for sale.

It also offers the greatest number of cities and towns to visit, complete with innumerable attractions such as world-class golf courses, festivals, diverse cultural attractions, antique shows, and more. Upper East Texas offers some of the best property and undeveloped land that is made for country living.

Deep East Texas

Deep East Texas lies between the Upper area to the north and South East Texas to the south. Though it has its distinctions, Deep East Texas similarly lies within the Piney Woods region.

The term “Deep” has been used to indicate how much more deeply forested it is compared to Upper East Texas, with dense pine thickets acting as a curtain that tends to separate the homes and farms in this area from the rest of the state.

In addition to rivers, it also contains the beautiful Sam Rayburn Reservoir, one of the largest lakes in the area, and the Toledo Bend Reservoir along the state’s border with Louisiana, providing ample opportunity for excellent freshwater fishing, swimming, camping, and hiking.

This area also contains two of the oldest towns in Texas, which date back to the 18th century. They include Nacogdoches and San Augustine, each filled with diverse cultural and ethnic histories and numerous landmark attractions.

South East Texas

The smallest section of East Texas, but in no way the least enjoyable, South East Texas lies within the coastal gulf plains of the state’s southern edge near the Gulf of Mexico.

The prevailing terrain across the area ranges from rolling hills then low and flat lands nearing the Gulf Coast, making it a potentially ideal area for those interested in fishing and huntingland for salelocatedin East Texas.

Toward the coast includes a number of incredible areas worth visiting, such as Beaumont’s Crocket Street entertainment district, featuring several of the city’s best restaurants, nightclubs, and outdoor concert areas. There is also the Big Thicket National Preserve and the historic Saint Anthony Cathedral Basilica.

Finally, this area is also a prime place topurchase a piece of East Texas property, as it lies near Houston and Galveston Bay, yet there is plenty of other rural acreage and property throughout all three areas of East Texas to consider.

Browse through our wide selection of land listings to uncover the hidden gems of Texas. There’s something for everyone, from vast expanses of open space to cozy plots tucked away in nature. Begin your exploration now.

East Texas Owner Financed Properties (13)

At Texas Acres, we’re committed to helping you find your dream property. Our user-friendly platform allows you to easily search and discover properties that match your unique preferences.

With vast expanses of pristine rural land stretching as far as the eye can see, Texas Acres is your gateway to discovering the perfect piece ofEast Texas land for sale. Our commitment is simple yet profound: we want to help you find that slice of Texas heaven you’ve been dreaming of and then help you make it your property.

Affordability for All

We believe that the pursuit of land ownership should be accessible to everyone, even those who do not have unlimited budgets. We know that isn’t always the case, though. That’s why we go the extra mile at Texas Acres to ensureour properties are affordablefor all. No matter the price tag, we offer owner-financing options that empower you to step into the world of land ownership without the financial hurdles that often come with it. We firmly believe everyone should be able to become a proud landowner here in the Lone Star State of Texas.

Your Dream Home Site Awaits

East Texas is known for its breathtaking landscapes, serene countryside, and a lifestyle that embraces the beauty of nature. Whether you envision an acre of land, a sprawling ranch, a cozy cabin in the woods, hunting land, or a tranquil spot to retire, we have the perfect property waiting for you. Our team at Texas Acres is dedicated to helping you discover your ideal home site. We understand that this decision is not just about purchasing land — it’s about fulfilling your dreams.

Become a part of our vibrant land community at Texas Acres. Explore properties, engage with fellow enthusiasts, and access valuable insights into land ownership in Texas, the Lone Star State. Join us on this exciting journey.

Get in Touch Today

Ready to begin your land search? Texas Acres is your starting point. With tens of thousands of acres of rural land available, you can initiate your search right here. Let us assist you in locating the ideal piece of Texas that suits your needs and aspirations.

The journey to finding your dream property withEast Texas land for salestarts with a simple conversation. Contact us today, and let us guide you through the process of selecting the perfect piece ofEast Texas land for sale. Our experienced team is here to answer your questions, address your concerns, and provide you with the support you need every step of the way. At Texas Acres, we’re not just selling land — we’re helping you build the future you’ve always imagined. Your dream home site is closer than you think —reach out to us, and let’s make it a reality.

East Texas Owner Financed Properties (2024)

FAQs

How to foreclose on an owner financed property in Texas? ›

In order to qualify for a non-judicial foreclosure, the lienholder must have a deed of trust with a "power of sale" clause, giving them the authority to sell the property. These foreclosures are governed by Section 51.002 of the Texas Property Code as well as the contractual documents.

How many properties can you owner finance in Texas? ›

SAFE Act – Sellers who engage in more than five (5) owner-finance transactions in a 12 month period must now have a Residential Mortgage Loan Originator License according to the Secure and Fair Enforcement for Mortgage Licensing Act, also known as the SAFE Act.

Who pays property taxes on owner financing in Texas? ›

Unlike with a traditional loan, there's typically no escrow, meaning the new owner will pay their homeowners insurance and property taxes directly to their insurance company and local government, respectively.

What are the disadvantages of owner financing? ›

The downsides mainly relate to the risk of the buyer not making payments. Also, options to make the arrangement might be limited by your lender, if you're holding onto your own mortgage.

Who holds the deed in owner financing in Texas? ›

You still own the house through the trust deed, even if you don't technically own the physical “deed” yet. Because the seller keeps the title throughout the loan period, you can only sell or refinance the property once you make all payments and transfer the title.

Is owner financing illegal in Texas? ›

In Texas, owner financing is regulated by several laws, including the Texas Property Code, the Texas Finance Code, and federal regulations, such as the Dodd-Frank Wall Street Reform and Consumer Protection Act. To comply with these regulations, sellers must follow specific guidelines when offering owner financing.

Can I sell my owner financed home in Texas? ›

Yes, a wraparound is a form of seller financing. A wrap leaves the original loan and lien in place when the property is sold. The buyer makes a down payment and signs a new note to the seller (the wraparound note) for the balance of the sales price.

What is the owner finance rate in Texas? ›

In general, owner-financed interest rates in Texas tend to stay at around 8% or higher. This can be slightly higher than the rate set by traditional lenders. However, it's important to remember the advantages of owner-financing that make this higher rate worth it.

Why would someone offer owner financing? ›

A seller might utilize owner financing because they're looking to earn investment income or because they want to sell their home as-is without having to go through the traditional lending and appraisals processes.

What are the risks of seller financing? ›

Disadvantages Of Seller Financing

Buyers still vulnerable to foreclosure if seller doesn't make mortgage payments to senior financing. No home inspection/PMI may result in buyer paying too much for the property. Higher interest rates and bigger down payment required. Seller faces risks if the borrower defaults on ...

How to negotiate owner financing? ›

Here are a few things to consider when you are negotiating the terms of the loan.
  1. Don't use current market interest rates to create the interest rate for your seller financing loan. ...
  2. The higher the price…the longer the loan term. ...
  3. Bring as little cash to the deal as possible. ...
  4. Defer payments if possible.

How does owner financing work for dummies? ›

Key takeaways. Owner financing is an arrangement in which an owner or seller, rather than a bank or mortgage lender, extends financing to a buyer. This can be a viable option for buyers who don't qualify for a traditional mortgage.

What is true about owner financing? ›

With owner financing (also called seller financing), the seller doesn't give money to the buyer as a mortgage lender would. Instead, the seller extends enough credit to the buyer to cover the purchase price of the home, less any down payment. Then, the buyer makes regular payments until the amount is paid in full.

Does owner financing reduce capital gains? ›

One of the primary advantages of seller financing is the ability to defer capital gains taxes by recognizing the gain over several years through installment payments, rather than paying the entire tax in the year of the sale.

What are the IRS rules on owner financing a business? ›

Deductible interests

Sellers who finance the sale of their business can deduct the interest they receive from the buyer as a form of income on their tax return. This can help reduce the seller's taxable income and result in a lower tax bill.

What happens if your financing falls through? ›

If your financing falls through for any reason within the designated time frame, your deposit will be returned to you in full. It's important for you and your real estate broker or agent to negotiate for this protection before you sign the purchase agreement. In any real estate transaction, time is of the essence.

How long does it take to foreclose on a property in Texas? ›

In Texas, the types of foreclosure include expedited, judicial, and non-judicial. Most foreclosures are non-judicial types. This means court approval isn't required and speeds up the process. Many Texas foreclosures take 160 days.

Can you finance a foreclosure property in Texas? ›

Your options for financing a foreclosed home depend on the stage of the foreclosure. At a foreclosure auction, you usually need cash to buy a property. But you can purchase a pre-foreclosure or real estate owned (REO) property using a traditional home loan from a mortgage lender.

What happens if a buyer defaults in seller financing? ›

Typically, the contract will provide a procedure that guides the parties through specific problems or issues. For example, in case of the buyer's failure to pay the rentals on the business premises, the contract may allow the seller to take over the business and handle the payment of rentals.

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