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Lawyer For Land Contract

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Lawyer For Land Contract: A Detailed Overview

A land contract may offer you better adaptability when you wish to market your home. In addition, these arrangements are between you (the property owner) and the property buyer. As a property owner, you present the financing for the shopper who decides to reimburse the loan in installments based on the portion of the acquisition price for the home.

Moreover, these land contracts allow property buyers, not qualified for conventional financing, through a financial institution or mortgage company to still buy a property. However, creating and executing a land contract is not as easy as it might seem. Therefore, to ensure you always remain compliant, it is prudent to manage all elements of drawing up your land contract, including documenting the appropriate documentation with the Register of Deeds and the surrounding municipalities.

Moreover, a professional lawyer for the land contract can help you accurately develop the contract. Keep scrolling to learn more about land contracts and how a land contract lawyer helps execute these contracts.

What Does a Lawyer for a Land Contract Do?

If you are encountering a complex or direct land contract deal, it is better to hire lawyers for land contracts who can help you draft the agreement. Also, as land disputes and legal issues can arise at any given point, you must always have an experienced legal expert to help control them. Here are some primary obligations of a lawyer for a land contract.

  • Delivering professional contract considerations for righteousness and compliance.
  • Helping property owners when dealing with title searches and liens.
  • Composing a closing argument for both parties.
  • Managing a proper and legal closing for both parties.
  • Contract negotiation for the prerequisites and terms of the land agreement.

What Does a Land Contract Entail?

A land contract refers to a documented legal agreement used to buy real estates, such as a house, vacant land, an apartment building, a commercial construction, or other real estate property. In addition, a land contract is a prominent type of seller financing and operates similarly to a mortgage. However, instead of borrowing funds from a financial institution or the financers, the buyer makes regular payments to the property owner until they pay the purchase price in full.

In addition, the property buyer and a seller both sign the land contract that assists them in protecting agreed-upon provisions related to the sale. Also, upon satisfaction of all contract prerequisites, including payment of the acquisition price over a fixed period, the lawful ownership of the property transfers from the seller to the purchaser by way of a security contract or other act used to assign the property title.

Understanding the Working of a Land Contract.

A land contract is generally between two people, i.e., the buyer, sometimes known as the vendee, and the seller, commonly known as the vendor. Furthermore, in a land contract, the seller decides to fund the property for the purchaser in exchange for the buyer fulfilling the provisions agreed upon in the land agreement.

In a standard land contract, the vendor keeps the lawful ownership of the real estate property until the land agreement gets entirely paid off. Meanwhile, the purchaser holds unbiased rights, which authorizes them to build up equity in the land. Essentially, while the purchaser and seller decide on a seller-financed land contract, the seller keeps spending on their existing mortgage, stealing the difference between what they are paid monthly by the buyer and the mortgage payment.

It might also not be wrong to say that though the laws controlling land contracts differ by state, they generally hold the same procedure. A property seller and buyer draw up a contract that comprises the following details:

  • A statutory description of the property
  • Down payment
  • Loan term
  • Names and addresses of the seller and buyer
  • Purchase price
  • Interest rate
  • Payment plan (including an amortization schedule defining how much payment belongs to principal and how much moves to interest)
  • Whether the loan holds prepayment damages (a fee for paying off the loan early)
  • Whether the purchaser must make a balloon payment (a fixed amount paid off and the remaining sum at the end of the loan term)
  • Whether the property or land has any mortgages against it (for a lease or outstanding taxes)
  • How the seller punish the purchaser for late payments
  • Who is accountable for repairs, maintenance, insurance, and taxes
  • A provision that the seller provide proof of title
  • A provision that the seller lawfully document the agreement
  • How much time the customer has to catch up on an outstanding payment

After the buyer and seller execute the contract, the purchaser gets a general warranty deed or an equitable title. These documents guard the buyer by authorizing them to accumulate property equity and deterring the seller from taking out new loans against the land or marketing the land to anyone else. The buyer also gets the right to occupy and improve the real estate property. The seller bears the legal ownership until the purchaser pays off the property.

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What Are the Different Types of Contracts?

A land contract may look similar to a lease with an alternative to purchasing (buying option) or a rent-to-own arrangement, but it's not the same. A land contract is an arrangement to buy, whereas a rent or lease option is not. Here are some prominent types of land contracts.

  • Land contract of sale
  • Land sale contract
  • Agreement to convey
  • The real estate sales contract
  • Land installment contract
  • Installment sales contract
  • Agreement for purchase and sale
  • Contract for deed
  • Contract for sale
  • Articles of contract for a warranty deed
  • Executory contract

Under a land contract, the purchaser becomes the owner once the land contract gets executed. However, the down payment under a land agreement functions like the non-refundable alternative fee settled with an investment option contract. Most importantly, in any of these contracts, not holding the cash or financing to fulfill the transaction at the end of the term means the purchaser loses considerable money and has to find another property.

Key Terms

  • Warranty Deed: A deed in which the offeror guarantees clear title to the land or property and can safeguard the title against challenges. Look for vocabulary such as "defend and warrant." The warranty deed is the most prevalent type of American deed.
  • Freehold: Land held outright for an indeterminate period rather than rented or held for a specified duration.
  • Lease: A contract granting land ownership and property earnings for life or a specific duration as long as the contract terms get fulfilled. In some circumstances, the lease contract may allow the lessee to sell or develop the land, but the land reverts to the lessor at the end of the stipulated period.
  • Proprietor: A person gets the right (or partial ownership) of land with the full preference of distributing land.
  • Warrant: A document or approval authorizing the person's right to a specific number of acres in a particular area


Land contracts are lawfully binding arrangements. Hence whether you are purchasing or marketing a house on a land contract, the performance needs a substantial duration. Therefore, it is in the interest of the buyer and seller to employ a real estate lawyer at ContractsCounsel who can help you execute the best deals.

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