If I do want land in the loan, do I have to already own it?

No. You need it chosen, not owned. A signed contract or even a specific listing you have settled on is enough for us to start building the file. If you already own it free and clear, that equity usually becomes some or all of your down payment.

Why do you push pre-approval so hard?

Because land shopping without a number is how people waste a summer. Pre-approval tells you what you can actually carry, and it makes your offer on a parcel credible. It starts as a soft check and costs you nothing.

How much do I need down?

It depends on the program, your credit, and whether the land carries equity. Plenty of buyers land in the 5–20% range, and owning the lot already can shrink that a lot. Your pre-approval gives you the real figure instead of a guess.

Can I put a doublewide on any piece of land?

No, and this is where deals die. Zoning districts, minimum lot sizes, setbacks, deed restrictions and flood zones all have opinions. Send us the parcel before you sign anything and we will check it.

What does the land itself cost out there?

It swings hard by county and it moves constantly, so we will not print a number here that would be stale by the time you read it. Tell us the county — or better, send us a parcel — and we will get you a current figure from someone who sells land there rather than a national average.

How long does the whole thing take?

Most packages run 60 to 90 days from pre-approval to keys, and site work is usually the long pole — permits, septic and power, not the home.

01Rockwall, TX · 26 counties · 75-mile radius

Own the dirt. Own the house. One loan.

Home only, or land and home together as one loan — your choice. Inside 75 miles of the lot delivery and setup are already in the price on every home — 22 of the 26 counties on this map.

Get pre-approved How it works

Or call (972) 771-9204 · Mon–Thu, 9am–7pm · Fri–Sat, 9am–6pm · Sunday closed

How far out are you looking?

Everywhere26 of 26 counties

Shaded by distance from the lot

Inside 25 miles
25–45 miles
45–75 miles
75–95 miles
Over 95 miles

County seatOur lot in RockwallDelivery and setup included to hereOff our map

Every county, closest first

Counties are shaded by distance from the lot and the marker sits on each county seat; mileage is measured straight-line from Rockwall, so the drive is longer. Delivery and setup are included in the listed price anywhere inside 75 miles of the lot in Rockwall. Past that we quote the haul before you sign, not after. Air conditioning and skirting are quoted separately everywhere, and site work on raw land — access, pad, septic, power distance — is its own number.

Read this first

You do not have to buy land to buy a home from us. We sell home only every day — financed with a chattel loan or paid in cash — for land you already have, family land, or a leased pad.

This page is for buyers who want the land too. If that is you, we can put the land and the home in one loan, as long as the land is picked out first. Owned, under contract, or a specific listing all work. “Somewhere north of town” does not.

Find your county on the map, get pre-approved, then pick the dirt and we will build the package around it. Only want the home? Browse the homes or call (972) 771-9204. If you are earlier than that, start here instead.

02How the deal comes together

Four steps, in this order

The order matters more than anything else on this page. Taken backwards, it costs people a season and sometimes a deposit.

01
Find your county
Tap a county on the map. It tells you how far it is from the lot and whether the haul is already in the listed price — inside 75 miles it is.
02
Get pre-approved first
Do this before you fall in love with a parcel. It takes minutes, it starts as a soft pull, and it tells you exactly how much land and how much house you can carry.
03
Pick the dirt
Now go shop with a real budget. Send us the listing and we check the boring things that kill deals: legal access, septic and well, setbacks, flood zone, and whether the county will let a home sit there at all.
04
One loan, one closing
We package the land and the home into a single loan, order the site work, set the home, and hand you keys to a place that is yours down to the property line.

In that payment

The home itself
The land, financed in the same loan
Delivery and set inside 75 miles of the lot
Blocking, levelling and tie-downs
Taxes and insurance, escrowed

Budget separately

Well, septic or power if the lot has none
Clearing, fill dirt and driveway
County impact and permit fees
Your down payment

The lending itself — chattel against a mortgage, what each costs, and why the title decides it — is laid out on financing.

03Do this before you shop

Get pre-approved

Ten minutes now saves you a season of looking at land you cannot finance — or worse, land nobody can put a home on. You get a real payment range, a down-payment target and a straight answer on what your credit supports.

Starts as a soft check — your score does not move
You shop land knowing your ceiling
Sellers take your offer seriously
We flag zoning and utility problems before you pay for them

Rather talk to a person? (972) 771-9204 · Mon–Thu, 9am–7pm · Fri–Sat, 9am–6pm · Sunday closed

Your nameMobile numberEmail (optional)County you're looking atDo you have land?Comfortable monthly paymentAnything else? (optional)

Soft check to start — no hit to your credit. We answer with a real number, not a brochure.

04Straight answers

The questions we get

No. We sell homes on their own every day — home only, financed with a chattel loan or paid in cash, set on land you already have, family land, or a leased pad. A land-and-home package is just one more option for buyers who want the parcel in the same loan, and for that the land has to be picked out first, because the lender is financing a specific parcel.

22 counties where the haul is already paid for

Land and home, one loan, from Rockwall County out to 75 miles. Find out what you qualify for before somebody else buys the lot.

Get pre-approved See the homes

Nothing on this page is an offer to lend or a commitment to extend credit, and the mileage shown is straight-line from the lot rather than a driving distance. Delivery and setup are included in the listed price anywhere inside 75 miles of the lot in Rockwall. Past that we quote the haul before you sign, not after. Air conditioning and skirting are quoted separately everywhere, and site work on raw land — access, pad, septic, power distance — is its own number. Zoning, minimum lot size, setbacks, deed restrictions, flood zone and utility availability vary parcel by parcel — confirm with us and with the county before you buy land.