Looking to purchase land without traditional bank financing? Mathis Land Group offers owner financing on select Georgia properties we own, making land ownership more accessible through straightforward financing options.
Buyers can choose between an installment contract for deed with $0 down on eligible properties or a traditional deed closing with 10% down.
Our financing features fixed interest rates, flexible repayment terms, and no prepayment penalties.
Explore our available properties and review the frequently asked questions below to learn more about our financing options.
Serving land buyers throughout Georgia, with a particular focus on Middle Georgia, the Piedmont, and the Coastal Plain.
Mathis Land Group offers two owner-financing options on select Georgia properties, allowing buyers to purchase land without obtaining traditional bank financing.
Option 1: Installment Contract for Deed
Our installment contract provides an affordable way to purchase land with little upfront expense.
$0 down payment on eligible properties
Fixed interest rate disclosed with each property
Financing terms up to 20 years
$350 processing fee
No prepayment penalty
Under this arrangement, the buyer makes monthly payments while Mathis Land Group retains legal title to the property. Once the contract has been paid in full and all obligations satisfied, the deed is transferred to the buyer.
Option 2: Traditional Deed Closing with Owner Financing
For buyers who prefer to receive a deed at closing, we also offer traditional real estate closings with seller financing.
10% down payment
Deed transferred to the buyer at closing
Seller-financed promissory note secured by the property
Buyer responsible for closing costs
Interest rates and financing terms disclosed before purchase
This option allows the buyer to receive the deed at closing while Mathis Land Group retains a secured interest in the property until the financing obligation is satisfied.
Which Option Is Right for You?
Both options provide an alternative to traditional bank financing. The primary differences are the upfront costs, closing process, and timing of the deed transfer.
We’re happy to explain both options and help you understand their terms before making a purchase.
Yes. Buyers are welcome to purchase multiple lots or tracts through Mathis Land Group.
A down payment is required when purchasing multiple properties. The amount and financing terms will depend on the properties being purchased and the financing arrangement.
Contact us to discuss available properties and financing options for multiple-tract purchases.
Most of our properties are undeveloped, although electrical service is often available along the road frontage. Existing utility connections, wells, and septic systems are less common.
When a property has utilities or other improvements already installed, we identify those features in the property listing.
Buyers should verify utility availability, connection requirements, and installation costs before purchasing. These expenses can vary considerably depending on the property’s location and intended use.
Buyers can generally use and improve their property much like land purchased through traditional financing, subject to the financing agreement, local regulations, and any property restrictions.
Common uses include building a home, placing a manufactured or modular home, recreational activities, and other permitted improvements.
Installment Contract for Deed
Because Mathis Land Group retains legal title until the property is paid in full, obtaining a traditional construction loan secured by the land may be difficult. Buyers may still be able to finance certain manufactured or modular homes or construct improvements using their own funds, subject to the contract terms and applicable requirements.
Traditional Deed Closing
Buyers receive the deed at closing, with Mathis Land Group retaining a security interest in the property. Property use and improvements remain subject to the financing documents and applicable regulations.
Property Rights
Selling or transferring timber, mineral, water, or other property rights may be restricted under the financing agreement and require prior written approval. Where applicable, proceeds from approved sales of property rights are applied toward the outstanding principal balance.
Before purchasing or making significant improvements, buyers should review their financing agreement and verify that their intended use is permitted.
When Mathis Land Group purchases and subdivides a property, we hire a Georgia-registered land surveyor to establish and mark the property boundaries.
If a previously sold lot is returned to us and its boundary markings are no longer clearly visible, we generally have those boundaries re-marked before offering the property for sale again.
We also purchase existing individual tracts that may not have been surveyed or marked in many years. In these situations, existing boundary markers may be difficult to locate or no longer visible.
We encourage buyers to review available surveys and plats and verify property boundaries before purchasing. If additional surveying or boundary marking is desired, we can recommend a qualified surveyor. Unless otherwise agreed, those costs are the buyer’s responsibility.
Mathis Land Group offers several convenient payment options for our owner-financed properties.
Online Payments
We send monthly electronic invoices on your payment due date. Payments can be made directly through the invoice using:
ACH (bank transfer)
Credit card
Payments by Mail
We also accept personal and certified checks. ACH transfers and mailed checks are our preferred payment methods.
Please mail checks to:
Mathis Land Group
146 GA-138 PMB #325
Monroe, GA 30655
Any applicable returned-check fees will be charged to your account.
We understand that unexpected financial circumstances can occasionally make it difficult to make a payment on time.
Payments that remain unpaid more than 15 days after the due date are subject to a $25 late fee.
If a payment remains outstanding, Mathis Land Group will follow the notification and default procedures outlined in the applicable financing agreement. Continued nonpayment may result in additional charges or enforcement of the agreement.
We encourage buyers experiencing payment difficulties to contact us as soon as possible so we can discuss their situation and any available options.
Our goal is to maintain clear communication and help buyers successfully fulfill their financing obligations.
Property taxes vary depending on the property’s location, assessed value, and applicable county tax rates.
Before purchasing, Mathis Land Group can provide the previous year’s property tax amount to help estimate future expenses. However, property taxes can change from year to year.
Installment Contract for Deed
Property taxes are not included in your monthly payment. Mathis Land Group bills buyers annually for the property taxes assessed by the county, without adding a surcharge. Taxes for the first year are prorated based on the contract date.
Traditional Deed Closing
Buyers who receive a deed at closing are generally responsible for paying property taxes directly to the county. Any applicable tax prorations are addressed during closing.
Buyers should consider property taxes when determining the total annual cost of owning their land.
Yes. We encourage buyers to review and understand the financing terms before purchasing a property.
You can view our sample Installment Sales Contract to become familiar with the agreement.
For buyers choosing a traditional deed closing with owner financing, the transaction involves different documents, including a promissory note and security deed.
We’re happy to discuss either financing option and answer questions about the applicable agreements before you make a commitment.
Whether you’re considering selling your property or searching for the right piece of land, I’d welcome the opportunity to discuss your plans.
Contact David Mathis today to get started.