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For most people, buying a house is a major undertaking. When it comes to buying land, the process can be even more overwhelming. There are numerous things to consider and additional inspections and processes that must occur during the buying process. It is imperative that you work with a Realtor who understands the ins-and-outs of the land-buying process.

The first consideration is the same as buying a house. How are you going to pay for your purchase? Most banks and lenders do not give loans on land. If they do, the down payment is usually large and the interest rate may be more. It is usually local lenders who understand the area that have land-lending programs. Be sure to ask you Realtor for recommendations. Occasionally, sellers may be willing to owner-finance provided the buyer can give a large down payment.

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