Owner Financing · KY · TN · IN
Own Land Today.
No Bank. No Credit Check.
Most people think land ownership is years away — locked behind a bank, a credit score, and months of waiting. Tom Claycomb built this program to prove them wrong. A simple down payment and a plain-language contract is all it takes.
Why Owner Financing
Four Reasons Buyers Choose
Tom's Financing Over a Bank.
No Credit Check
Tom looks at your situation, not your credit score. A past bankruptcy, a thin credit file, or a recent setback doesn't disqualify you. The deal is between you and the seller.
No Lender RequiredClose in Days, Not Months
Banks take 30 to 60 days when they say yes at all. Tom has closed owner-financed deals in under two weeks — sometimes in a single weekend.
Days, Not MonthsFlexible Down Payments
Tom structures down payments based on the property and the buyer. Higher down → softer monthly terms. Lower down → longer amortization. You and Tom decide what works.
You Choose the TermsPlain-Language Contracts
No legalese designed to trip you up. Every contract reads in plain English. Tom explains every clause before you sign. If you don't understand a line, it doesn't go in.
Zero Fine-Print TricksThe 4-Step Process
From First Email to
Deed in Hand.
Pick Your Property
Browse current owner-financed listings or tell Tom what you need — he'll find it through his 43-year network of off-market sellers.
Agree on Terms
No lender approval. Tom structures a down payment, monthly, and length that fits your situation. Most deals close inside the first conversation.
Down Payment & Contract
Plain English. No hidden fees. You'll understand every line before you sign. Tom walks every buyer through every page.
You Own Your Land
Deed transferred. Often in under two weeks from first conversation. Make your monthly payments and the property is yours.
What You'll Need
Common Questions
Straight Answers on
How This Works.
Is this a rent-to-own or a contract-for-deed?
Most deals are written as a contract-for-deed (also called a land contract). You take possession and use the land immediately. The deed transfers when the contract is paid off. Tom uses other structures (purchase-money mortgage, lease-option) when the situation calls for it — he picks the right tool per deal.
What if I miss a payment?
Talk to Tom before it happens. A short cure period is built into every contract. Tom would rather work with you on a one-time issue than start a default process. If a buyer goes silent, the contract spells out the remedies — but in 43 years, that's the exception, not the norm.
Can I pay it off early?
Yes — every contract Tom writes allows early payoff with no prepayment penalty. If you refinance later through a bank, the contract closes out and the deed transfers immediately.
Are interest rates higher than a bank?
Often slightly higher, yes — that's the trade-off for skipping the bank and the credit check. Tom keeps rates fair and in line with what an owner-finance arrangement requires. You'll see the exact rate before you sign.
What kinds of land are available?
Mostly raw acreage — agricultural, timber, hunting, recreational, and rural homesites across Kentucky, Tennessee, and Indiana. Some commercial-development tracts. If you have a specific need, tell Tom and he'll go find it.
Can I build on it right away?
In most cases yes. Tom reviews zoning and access on every parcel before listing it as owner-financed. If a parcel has a build restriction or septic challenge, you'll know on day one — not after closing.
Ready to Own Land?
One Email Starts the
Conversation.
Tell Tom what you're looking for — county, acreage, timeline, budget. He'll reply within 24 hours with available parcels and realistic financing options. No pressure, no forms, no call centers.