Understanding Your Loan

Welcome to your land!

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Ownership ≠ Rent

You’re building equity over time through your payments, improvements you make, and (often) land appreciation.

How Your Loan Works

  • Each month, your payment is made of:
    • Principal: the part that lowers what you owe.
    • Interest: the cost of borrowing.
    • Escrow: money set aside for taxes/insurance (if required).
  • Paying on time = you own more of your land.
  • Paying late = you pay more interest, and it takes longer.

01.

Easy Ways to Pay

  • ACH (Auto-draft): Set up with your bank for automatic payments.
  • Online
  • Phone: An Additional Fee will apply
  • Mail: Send a check/money order (Write your Loan ID).
  • No cash accepted.

02.

If You Have Trouble Paying

  • Call us before you miss a payment.
  • We can often help with a plan or extension.

03.

Who to Call

04.

How Your Payments Work Over Time

  • On-time payments help you build equity faster.
  • Late payments add fees and increase interest costs.
  • Paying a little extra toward principal reduces the total time to pay off your loan.
  • Example: Paying $100 extra each month could help you pay off years earlier.

05.

Lourdes Martinez

Buyer Success Rep

Need Help After Closing?

Your Borrower Success Rep Is Here for You

Our commitment doesn’t end at closing. If you have questions about your property, financing, or next steps, your Borrower Success Rep is here to help.

Phone: 281-549-8816 Email: [email protected]

What Our Buyers Say

Real Stories from Texas Landowners

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"I am writing to share my feedback regarding our experience working with Esmeralda. I truly cannot say enough about how much she helped us throughout this process. She was incredib… Read MoreRead Less
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Beatriz Diaz
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"Was looking for land and was dealing with a previous bad situation where we almost got scammed but then I met Imelda and she was great! She had great communication, answered all my… Read MoreRead Less
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Crystal Ramirez
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"We would like to thank Liberation Ranches for giving us the opportunity to fulfill one of our biggest goals. Purchasing property was very important for us and our family. Thank you… Read MoreRead Less
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Jose Jacquez
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"Thank you so much, Esmeralda. I truly appreciate all your help with buying our land you’ve made the process smooth. Thank you for being patient with us"
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Elizabeth Tovar
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"Esmeralda was very helpful through out the entire process helped me out with everything from start to finish great customer service"
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Leonardo Ramirez
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"I had an exceptional experience with Esmeralda Ramirez. She demonstrated remarkable patience and guided us through the entire process. Her expertise and assistance were invaluable,… Read MoreRead Less
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Samantha Garcia
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"Esmeralda was great, helping out everywhere she could, she made sure we had everything we needed, kept us updated, helped out where she could, she is amazing, thank you 😊"
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angel angeles
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"I had a wonderful experience working with Imelda on the purchase of my ranch. She was incredibly polite, helpful, and consistently professional throughout the entire process. Her c… Read MoreRead Less
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Hilda Hernandez
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"I would like to express my deepest gratitude to Mrs. Esmeralda. From the very beginning, she guided us with exceptional patience, professionalism, and genuine care. She answered ev… Read MoreRead Less
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Anjelica Giron
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"Imelda Mendoza is amazing!!! She was very professional, knowledgeable and very super responsive to all my needs and questions. Very polite and supportive throughout the process, ev… Read MoreRead Less
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Roberta Lara
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