Frequently Asked Questions
You probably have some questions. That's okay - a lot of people do. Here are answers to everything we get asked.
Land Buying FAQ
If your question isn't here, call us at (313) 349-0434 or email sales@compasslandusa.com. We answer ourselves.
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Reserving a Property and Making an Offer
Every listing has a **Submit Deposit — Reserve This Property** button. Click it, fill out the short form, and the property is held for you while we put the paperwork together. If you'd rather talk first, click **Request Financing Plan** to get a custom payment scenario, or call (313) 349-0434.
The deposit, along with a signed contract, in combination reserves the property in your name. The deposit gets applied to your purchase price at closing. It's not an extra fee. The contract is sent you through SignNow.
Sale agreements go out through SignNow within one to two business days of getting your information. Cash deals usually close in about two weeks. Owner-financed deals close on a similar timeline once the title work is done.
Cash is one payment at the listed cash price. Financing is a down payment plus a fixed monthly until the loan is paid off. Each listing shows both options side by side, including the monthly amount you'd pay at the down payment level you choose. The financing total is higher than the cash total because it spreads the cost across years and includes interest.
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Cash Purchase
Submit your deposit, sign the sale agreement in SignNow, and the title company handles the rest. Closing typically lands about two weeks from the day you sign. You walk away with a recorded warranty deed and an owner's title insurance policy.
About five business days after closing. The title company records the deed with the county and mails the original to you, and we email you a recorded copy the same day.
Three things. We pay your first full year of property taxes. We close in about two weeks. And we cover closing costs and your title insurance policy. Cash buyers walk away with the deed, the clean title, and zero out-of-pocket costs beyond the purchase price. > *"In less than 10 days I got the deed. Stress-free purchase like buying an appliance."* — Verified Google review
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Owner Financing
No credit check, ever. We don't pull credit, we don't ask for proof of income, and we don't run a bank-style application. Everyone is approved. If you can cover the down payment and the monthly, the land is yours. As one of our buyers, Free Spirit, wrote in her review, *"This place gave us hope. I thought I'd never be able to buy land."* That's who owner financing is for.
The rate depends on your down payment. The bigger the down payment, the lower the rate. Each listing's calculator shows the exact rate, monthly payment, and term for the down payment amount you select, so you can see the real numbers before you commit. Move the slider, see the math, no surprises.
Loan terms run at least five years on every property, with no prepayment penalty. The monthly, the down payment, the rate, and the term are listed on every property page before you click Submit Deposit. We also offer one monthly payment deferral over the life of the loan if you ever need it.
It depends on the down payment. If you put down $4,000 or more, you receive your warranty deed at closing through a licensed title company, and we record a deed of trust to secure the loan. If your down payment is under $4,000, we use a Contract for Deed and you receive full title once the loan is paid in full. Either way, you have the legal right to use the land starting on day one.
If you closed with a deed of trust (down payment of $4,000 or more), you can build, camp, park an RV, hike, hunt, fish, and use the land however the zoning allows. You hold the deed, so the land is yours to develop. If you closed with a Contract for Deed, you can visit, camp, and use the land recreationally, but permanent structures wait until the loan is paid off. Each path is laid out in your contract before you sign.
Yes, anytime, with no fee and no prepayment penalty. A lot of buyers send extra when they get a tax refund, switch to quarterly payments, or pay it off in a single check after a year or two. The day your final payment clears, the land is fully yours.
We offer one payment deferral over the life of the loan, so if life hits hard, you can use it. After that, there's a grace period and a late fee, and we'll reach out to figure out what's going on. The contract has a default clause, but the bar to get there is high. Talk to us early. That's the only thing we ask.
Auto-pay runs through GeekPay. We set it up at closing, the payment pulls on the same date each month, and you can switch the funding source anytime through the GeekPay portal. If you'd rather pay manually, that's an option too.
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Property Details
Yes, and we encourage it. Every listing has GPS coordinates for the corners, the road access type, a Google Maps link, and a satellite map. Drive out, walk it, take pictures, take a friend. A lot of our buyers visit before they ever talk to us. If you want to lock the property down while you visit, you can submit a deposit first and walk it as the new reserved buyer.
Every listing page contains the GPS coordinates, the property address, the road access type and location, a Google Maps pin, and a satellite map. Drop the coordinates into your phone map app and it'll route you straight there.
No. We pay off every tax bill and clear every lien before a property goes on the website. For deed-of-trust closings, the title company verifies it again at closing and your title insurance policy backs it up in writing.
Vacant rural land, ranging from small affordable parcels to larger acreage, zoned residential, agricultural, or rural-recreational. We don't sell commercial lots, developments, or land inside major HOAs.
Most are raw land without utilities at the lot line. Where power, water, or septic are available, we say so on the listing in plain language with the source. If utilities aren't mentioned, assume they're not there and budget for off-grid solutions.
We advertise mineral rights when they're included with the property. If the listing doesn't mention them, assume the surface estate only. Mineral severance is common in the Southwest and we'll pull the mineral chain on request before you commit.
County recorder sites lag behind real life by weeks or months. We can pull the recent deed and share documentation on request. Once your sale closes, your name shows up on the county site within 30 to 60 days, depending on the county.
We add new properties almost every week. The fastest way to see a listing the day it goes live is to join the buyer email list — we send a Weekly Inventory email every Wednesday and a Deal of the Week email every Friday.
For deed-of-trust closings (down payment of $4,000 or more), yes — every closing goes through a licensed title company that issues an owner's title insurance policy. For low-down-payment Contract for Deed closings we don't use a title company, but the contract itself is the legal record of your ownership rights, and you get full title with insurance when you pay the loan off.
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About Compass Land USA
A Contract for Deed is the legal document that covers your owner-financed purchase. It records you as the equitable owner the day you close, lays out the monthly payment, the term, and the payoff schedule, and converts to a clean warranty deed once the final payment clears. The title company files it with the county, which is what makes the ownership real instead of a handshake.
No, we're land investors. Compass Land USA buys land directly, holds it, and resells it on owner financing or cash. Andrew and Felicia started the company in 2017, and most of our closings go through a licensed title company. There are no agent commissions and no middlemen.
Three reasons. We hand-pick every parcel and walk most of them ourselves. We publish access, zoning, and utility details upfront and back them with the county records. And we close every deed-of-trust deal through a licensed title company with title insurance. As one buyer wrote, *"You can tell they have done their due diligence for each property. This is important to me."
When the deal closes through a licensed title company and the contract is recorded with the county, yes. That's the standard we hold every Compass Land USA transaction to. Your title insurance policy protects the ownership, the recorded contract proves it, and the payment plan is a legal document, not a verbal agreement. As one buyer, Dennis, wrote, *"At first, I was worried that this was a scam, but I took my chances anyways. This is a LEGIT company."
A few things buyers tell us in their reviews. Andrew and Felicia answer the phone themselves. Every listing shows the access, zoning, and utility details upfront with county records to back them up. We close through a real title company with title insurance, not a notarized handshake. And the offer you see is the price you pay — no surprise fees at the end.
We currently operate in [Arizona](/state-arizona), [Florida](/state-florida), [Colorado](/state-colorado), [Nevada](/state-nevada), and [North Carolina](/state-north-carolina). If your state isn't on the list, get on the buyer email list anyway — we expand a few times a year and send announcements to subscribers first.
Call us at (313) 349-0434 email sales@compasslandusa.com. Andrew and Felicia answer most messages personally, usually within the same business day.
Call us at (313) 349-0434 or email sales@compasslandusa.com. If you'd rather see how everything works on camera, our YouTube channel - Compass Land USA walks through properties, the owner financing process, and what closing looks like.
"Andrew and Felicia answered all of my questions and walked me through the process step by step."
— Charles, verified Google review
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