Frequently Asked Questions

Owner financing (also called seller financing) means the property seller acts as the lender. The buyer makes a down payment, then pays monthly installments directly to the seller over an agreed term — no bank, no credit check, no mortgage broker. The seller retains the title until the buyer pays off the full purchase price.

No credit check is required for owner financing on AcreNote. Unlike a traditional bank mortgage, approval is based on your intent and ability to make payments — not your credit score. This opens a path to land ownership for buyers who don't qualify for conventional financing.

Down payments on AcreNote listings typically range from 10% to 30% of the purchase price, depending on the seller's terms. Each listing shows the exact down payment amount and monthly payment so you can calculate your total cost before applying.

After you submit an application, the seller reviews it and will contact you directly to discuss next steps — usually within 1–2 business days. If approved, you'll sign a land sale contract and make your down payment to get started. Learn more about land contracts →

Yes. There is no prepayment penalty on any AcreNote listing. You can pay off your balance early at any time without extra fees or penalties.

Land contract terms vary by listing. Each property page shows the down payment, monthly payment, term length (in months), and interest rate. The seller also specifies a grace period and late fee structure. Full terms are documented in the land sale contract you sign before purchasing. See the due diligence checklist before you sign →

Click "List Your Property" in the navigation. Fill in the submission form with your parcel details, location, asking price, and financing terms. AcreNote reviews submissions before publishing — typically within 1–2 business days.

Most submissions go live within 1–2 business days of submission. AcreNote staff review each listing for completeness and accuracy before it appears publicly.

Sellers pay a listing fee of $49 to publish a property on AcreNote. AcreNote does not charge commission on sales. The seller and buyer work directly under the terms agreed upon at purchase.

Under a land contract (contract for deed), the seller typically retains the title until the buyer pays off the full purchase price. This protects the seller if the buyer defaults. The exact arrangement is documented in your land sale contract. Read the seller's guide to owner financing →

No. AcreNote is a listing and financing facilitation platform — not a licensed real estate brokerage. AcreNote does not represent buyers or sellers, does not give legal or financial advice, and is not a lender. All transactions are between the buyer and seller.

AcreNote currently lists properties in Florida. We plan to expand to additional states. If you're a seller with land in another state, reach out and we'll let you know when we're available in your area.

All payments on AcreNote are processed securely through Stripe. Down payments and monthly installments are charged directly to your card. You can also set up automatic billing so your monthly payment processes on time without any manual steps. AcreNote never stores your card information.