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Financing Options for Your Land or Home Purchase

At Elegment Land, we partner with trusted financial institutions to make your land purchase seamless and affordable. Whether you’re buying land, building a home, or combining both, our financing partners provide flexible solutions tailored to your needs.

If you are specifically looking for owner financed land for sale or land for sale with monthly payments, start with those pages first, then come back here to compare broader land loan options.

If you need a softer path into ownership, also review land for sale with no credit check and our guide on how to buy land with bad credit.

Land Loan Partners

LightStream (Multiple States)

  • Loan amounts: $5,000 – $100,000

  • Terms: 36 – 84 months

  • Competitive interest rates

  • 100% online application at lightstream.com

First National Bank of Eagle Lake (Texas)

For land loans of $50,000+ in Texas

  • Contact: Shalor Townzen, EVP/CLO, President of Columbus Branch

  • Phone: 979-234-5591 | Fax: 979-234-6956

  • Address: 408 Walnut Street, Columbus, TX 78934

Capital Farm Credit (Texas – Agricultural Exempted Land)

For agricultural-exempted land loans of $50,000+ in Texas

  • Contact: Shawna Ranly, VP Lending, Waco Office

  • Phone: 254-776-7506 | Fax: 254-741-9403

  • Address: 7000 Woodway Dr., Waco, TX 76712

Rural 1st Lending (Tennessee & Kentucky)

  • Contact: Nathan McAfee, Loan Associate

  • Phone: 502-420-3790 | Fax: 502-630-1122

  • Address: 1601 UPS Dr., Louisville, KY 40223

Home Loan Partners

MetroPlex Mortgage Services (multiple states)

Flexible mortgage solutions for modular and manufactured homes.

  • Visit mplx.org to explore programs

  • Focused on affordability and nationwide coverage

  • Designed to support modern homeownership options

Momnt Financing (Multiple States)

Unsecured installment loans for home improvement or smart home construction.

  • Loan amounts: $3,100 – $75,000

  • Terms: 24 – 180 months (up to 15 years)

  • Fast approvals, staged funding, and same-day payments

  • Offers promotional, fixed-rate, and risk-based options

Wisetack Financing (Multiple States)

Consumer financing platform designed for homes.

  • Loan amounts: $500 – $25,000

  • Terms: 3 – 60 months

  • 0% APR options up to 24 months

  • Mobile-friendly application, no impact on credit checks, no hidden fees, no prepayment penalties

21st Mortgage Corporation (Texas Only)

  • Specialized in home + land packages

  • Not available for vacant land (use lenders above for land only)

  • Lower credit scores may still qualify

  • Contact Elegment Land to connect with the 21st Mortgage local team

Get in Touch