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.

Liliana Don

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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"Buying our ranch with Liberation Ranches was an excellent experience from start to finish. The whole process was clear, professional and made us feel very comfortable at every step… Read MoreRead Less
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Tailiana Barreto
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"Ive worked many times with Liberation Ranches and each time has been great. My buyers are always happy, as a Realtor its very important to me to have good communication and Michell… Read MoreRead Less
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Liliana A Orrego
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"Exelente atencion el Sr. Victor muy atento y contestando todas nuestras dudas todo el personal es muy atentos"
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Nancy Alvarez
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"I highly recommend doing business with them, they are open to answer all the questions you have , Ask for Esmeralda Ramirez, great personality very polite , on time and available a… Read MoreRead Less
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Sandy Flores
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"Representing the buyer in Bedias, Texas was a very smooth process, especially working with the agent on the other side, Michelle. I always appreciate agents who take their job seri… Read MoreRead Less
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Ismael Salazar
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"I had the absolute best experience purchasing land with Michelle! She was professional, knowledgeable, and made the entire process smooth and stress-free from start to finish. I tr… Read MoreRead Less
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Jewels Westra
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"We had a wonderful experience purchasing our first lot of land. Esmeralda Ramírez helped us through the whole process and worked with our busy schedules."
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Gerardo Marcelo Martinez
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"I can’t recommend Esmeralda enough. If you’re looking for land and want someone who will truly go above and beyond, she’s the one. From day one, Esmeralda didn’t just treat me lik… Read MoreRead Less
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Susan K
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"I’m going to be real… I thought it was impossible. No taxes filed. Barely any verifiable income. Doors kept slamming in my face one after another. Every “no” hit harder than the l… Read MoreRead Less
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Elite Wholesales
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