Understanding Your Loan

Welcome to your land!

Learn More

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

Read more Stories
"Everyone was supper friendly and helpful love how they work as a team ! Thank you Michelle for being there with us on our closing day and answering our questions and making us fee… Read MoreRead Less
Photo
Liz
View review on Google
"Omg! Esmeralda customer service was the best very attentive and detailed. She explained everything with ease I felt at home. Thanks for making this process easy."
Photo
James Davis
View review on Google
"Esmeralda has been very helpful from the beginning and I really didn’t know if I would be able to purchase this piece of land, but the process was super easy and not stressful and … Read MoreRead Less
Photo
R Nation
View review on Google
"Liberation Ranches what a wonderful company to work with and the employees the owners are so wonderful to work with Leslie Mendoza & Liliana Don very far on getting back to me call… Read MoreRead Less
Photo
Josephine Reneau
View review on Google
"My husband and I had the pleasure of working with Leslie Mendoza, and if we could give her more than 5 stars, we absolutely would! From the very beginning, we were unsure which pr… Read MoreRead Less
Photo
Christine B
View review on Google
"Had a great experience with my purchase we did almost everything through the phone Michelle Gonzales was always there to help on the process since Day one no matter what time it’s… Read MoreRead Less
Photo
donaldo saldana
View review on Google
"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
Photo
Tailiana Barreto
View review on Google
"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
Photo
Liliana A Orrego
View review on Google
"Exelente atencion el Sr. Victor muy atento y contestando todas nuestras dudas todo el personal es muy atentos"
Photo
Nancy Alvarez
View review on Google