Land & Home, explained.
Plain-English guides to Land & Home packages in rural Texas, what they are, how the financing works, and how to turn a piece of land into a financed, move-in-ready home. Each guide answers a single question up front, then links you back to the tools that take it further.
What a Land & Home package is, how the financing math works, and how to build on land you already own.
How to build a home on land you already own in Texas: BOYL vs factory-built
If you already own rural Texas land, you can add a new home two ways — a factory-built home (90–120 days, USDA/VA 0%-down) or built on your lot (6–18 months, full custom). Here's how to choose and what the steps are.
Read guide →USDA & VA 0%-down financing for rural Texas new construction
A Land & Home package in rural Texas often qualifies for USDA Rural Development and VA loans — both with 0% down — because the finished home sits on a code-compliant permanent foundation. Here's who qualifies and how to check.
Read guide →What is a Land & Home package?
A Land & Home package pairs a buildable rural Texas lot with a brand-new factory-built or built-on-your-lot home, sold as one financeable transaction that qualifies for USDA, VA, FHA, and conventional loans.
Read guide →How adding a home to a land listing opens the property to the full home-buyer market.
How to expand the buyer pool, keep your commission, and list a Land & Home package on the MLS.