How Financing Works

#1 Reach Out

Call, text, email, or complete the lead form at www.apex-land.com. We'll talk through which property you're interested in and answer any questions.

#2 Reserve Your Property

Click "Reserve Now" on the property's listing page and place a $250 non-refundable deposit. This holds the property for you and starts the contract process.

#3 Set Your Terms

We'll work together to set your down payment and monthly payment amount. All Apex Land financing carries:

10% interest on the unpaid balance
A monthly payment processing fee
A monthly property tax reserve fee

#4 Sign Your Contract

Once terms are set, we prepare your Land Contract, Promissory Note, and Purchase Agreement. These are sent to you via DocuSign (or by mail for physical signature, if you prefer).

#5 Setup Your Payment Account

Payments are collected through our secure payment portal, Terra Notes. We'll get you set up so your monthly payment is easy and automatic.

#6 Make Your First Payment

Your first payment is due approximately 30 days after your contract date. No prepayment penalties — paying extra any month reduces your balance and the interest you'll pay over time.

#7 Stay In Touch

If anything comes up that affects your ability to pay, contact us. We'd always rather work something out with you directly.

#8 Final Payment & Deed

Once your note is paid in full, we prepare your Grant Deed for your review and approval.

#8 Deed Recorded

After your approval, we record the deed with the county — the property is officially yours.