
Land in Duchesne and Fruitland, Utah
No Credit? No Problem. We Offer In-House Financing
At Mountains West Ranches, we believe everyone should have the chance to own land. That’s why we offer in-house financing with no credit checks—no banks involved, no long approval process.
If you’ve been told "no" before, we’ll do our best to say "yes."
Simple Financing That Works for You
We finance our own land. That means we set the terms, and we work with buyers from all kinds of financial backgrounds. Whether you’ve had credit challenges or just don’t want to deal with banks, we’ve made it easier to buy land without the red tape.
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Bad credit or no credit? No problem.
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Most of our properties only require $1000 down while some require 10%.
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Our team will review your payment terms before the signing so your payments are not a surprise.
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We have both English and Spanish land specialists to help whenever you need it.
Why In-House Financing?
In-house financing gives you more flexibility. Unlike banks, we don’t rely on strict credit scores or long applications. We look at the property, the payment plan, and your goals—and help you move forward.
You get:
Direct contact with our team
Flexible terms based on your situation
A simple contract with no hidden fees
The ability to start using your land right away
Contact us here if you have questions or want to get started.
Who Is This For?
We work with all types of buyers, including:
First-time landowners
People with no credit or low credit
Cash buyers who want flexible terms
Families looking for affordable land
Investors wanting to hold rural property
Whether you want land to build, camp, invest, or live off-grid, we’ll help you make it happen.
What You Can Do With the Land
Our land is typically 5 to 40+ acres and zoned for flexible use. With in-house financing, you can get started without waiting on loan approval.
Build a home or cabin
Most properties allow for residential use with no HOA or tight deadlines.
Camp or use it recreationally
Bring your RV, go hunting, or set up a basecamp near public land.
Start an off-grid setup
Install solar, haul water, or dig a well—your land, your rules.
Common FAQ’s
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No. We do not check your credit for land purchases.
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It varies by property but is often a few hundred to a few thousand dollars.
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Right away. As soon as the paperwork is complete, it’s yours to use.
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Yes. There are no penalties for early payoff.
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Yes, we’re happy to assist in both English and Spanish.