First Time Land Buyer Mistakes | Great Days Outdoors

On Huntin’ Land we discuss all facets of hunting, wildlife and habitat management, and the dynamics of land ownership. Land financing can be a tricky proposition for the first time land buyer. Fortunately, on this week’s show, Clint and Joe talk with John Matulia of Alabama Ag Credit, who is also a former Land Sales Professional, and we learn some of the most common, and some of the more unique mistakes that first time land buyers make when financing their first piece of dirt. John get’s into how much one typically needs for a down payment on land and how the first time land buyer gets hunting or rural land loans along with a plethora of financing and related and other topics below.



Additional Topics covered this week discussing the Land Financing and First Time Land Buyer Mistakes:

  • Not working with a bank that specializes in rural land loans
  • The types of rural land loans Al Ag Credit offers
  • Land financing on Hunting Land loans
  • Understanding the difference in interest rates for the first time land buyer
  • Understanding what you can do with your land, like the pre sale of timber acting as a down payment on land
  • Value vs price
  • Buying land as a group
  • getting approved for land financing – Not moving fast enough
  • Buying land, what to look for
  • Misunderstanding the difference between value and price
  • Building too much
  • Working with a residential agent to get land financing
  • Legal Access / Zoning
  • Trying to find your dream property
  • Not getting liability insurance
  • Does a title search have to be done, if not, make sure they know that is a mistake
  • Survey when seeking Land Financing
  • Warranty Deed and Title Insurance
  • Misunderstanding Basis for the first time land buyer


This week’s show has been brought to you by Joe Baya and Clint Flowers, members of the top producing team at National Land Realty, the fastest growing and most innovative land brokerage in the nation. With hunting season right around the corner and interest rates at historic lows, now is a great time to buy or sell land. If you want to learn more, shoot us an email at or call us at 855-NLR-LAND.



first time land buyer - land financing down payment on rural and hunting land loans



Important Links

Alabama Ag Credit


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