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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"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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"Excelente servicio,siempre presente pra cada duda y guía ,nos atendió Esmeralda personalmente, hermosa persona muy recomendada ,estamos muy agradecidos"
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Yanisleidy Cepero
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"Wonderful experience working with Esmeralda! She was very helpful and professional. We are all very thankful for her and liberation ranchettes 🙏 The process went smooth and quickly"
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Paulie Lezama
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"muy buen servicio especialmente de Leslie Mendoza . 100% recomendada te guía correctamente en todo el proceso muy profesional. gracias leslie por toda tu ayuda y paciencia."
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Marilu Rios
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"Hermosa propiedad , buen precio , y excelente servicio . Gracias a Esmeralda por la ayuda en el proceso de compra."
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Nolvia Cano
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"As a realtor, I can confidently say that Imelda deserves 10 stars! Her communication and service were truly some of the best I’ve ever experienced. Anytime I called or texted, she … Read MoreRead Less
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Anne Garza
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"It was a pleasure working with Esmeralda. The entire process was seamless, and the closing was completed in only 30 minutes. I will highly recommend her."
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Frank Hernandez
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"Our sales lady was all some. Thank you so much Imelda."
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Racheal Darsey
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