The Hurdle Process and Mission Explained

Hurdle Land & Realty has been conducting business with the philosophy that owning your own property is an essential part of the American dream for over forty-five years. This commitment to helping people own a piece of the American dream has been passed on through three generations of Hurdles.  We are proud in the fact that we have enabled thousands of people just like you to purchase land hassle free.

Now, let’s just get straight to it and answer your most important questions: Yes, you can get a loan through us and no we do not run credit checks. This is why: We finance you an undeveloped tract of agricultural farm land. You cannot move, hide or "take off" with a piece of land like you can with an automobile, boat, camper or other personal property. There is no structure on the property. In fact there is nothing on the property other than what you would find in nature: grass, trees and dirt. We are simply giving you the opportunity to purchase something that is generally out of reach for most people. We are offering you a fair chance to buy a piece of land for yourself and your family.

Unlike the bank, we do not lend you cash to the buy the property. Instead, we go ahead and give it to you for the promise that you will pay off your land purchase over time.  Our financing saves you money overall, eliminates the complicated process of securing a mortgage from a bank, and all it takes is a small amount of cash up front to begin.

When purchasing real estate there are costs involved that are in addition to the cost of the property itself.  You have probably heard these costs in the form of fees related to document prep, attorney cost, title service, deed stamps, survey, application fees, points, commissions and the list goes on. However, when you buy from us, we cover all associated transaction fees for you. Hurdle will NEVER ask you to pay for any of these fees before or after the sale!  

Here is how it works: You pay a total down payment of $295. We currently have a set fixed interest rate of 7.9%. We are flexible with the term of the loan.  We will finance to you for as short as 12 months or extend it as long as 360 months--whatever fits your budget! Our office will prepare all the necessary closing documents for you to sign including:

Promissory Note - The promise you make to pay for the property by submitting your monthly payments.

Deed to Secure Debt - Allows us the right to take the property back should you not make the necessary monthly payments.

Warranty Deed - This document transfers the property from us to you.

Truth in Lending Disclosure - Reviews all the financial data about the transaction.

These documents must be signed in front of a notary.  You can either come to our office or we can mail them to you, which will allow you to use your local bank or attorney’s office to sign them in the presence of a notary.  Once you have made three monthly payments a sent the required documentation back to us, we will transfer ownership to you with a Warranty Deed.  Any necessary county courthouse recording documents and associated costs will be handled by Hurdle.  As the new property owner, you will then be required to pay property taxes.

And it is as simple as that.  Our purchase process allows you to hold title right away so you have the ability to refinance the property or sell it, as long as you continue to pay us under the agreed upon terms.  There is never a penalty for pre-payment!
Thank you for visiting If you have any questions about what you have read or would like to see what land we currently have available, please do not hesitate to contact us by calling our toll-free number: 1-800-762-4851.

We are not a real estate brokerage company. All of the land we sell, we own.

However, we do hold a real estate broker's license.