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About Providential Real Estate

Where landownership becomes simple.

Who We Are
Providential Real Estate is a family-owned land company focused on making rural landownership clear, honest, and straightforward. We believe land is freedom — a place to build, to grow, or simply to claim as your own.

What We Stand For
✔ Simplicity — A clean, step-by-step path to owning land
✔ Respect — Every buyer is treated fairly and directly
✔ Independence — Your land, your terms, your future
✔ Reliability — Clear agreements, clear expectations

Our Purpose
Land should be accessible without complications.
We provide easy-to-understand owner financing so you can secure property, use it, and begin building your future without delays.

About the Founders
We are the Houston-Carson's, and we started Providential Real Estate on the belief that owning land is one of the most meaningful steps a person can take.We work directly with every buyer to ensure the process is fair, honest, and easy to navigate. The goal is simple — help people secure land in a way that respects their time, values, and plans for the future.

What Our Buyers Say

⭐⭐⭐⭐⭐
“Everything was straightforward. I walked the land on my own time, asked a few questions, and the contract came the same day. Payments are easy and we finally have a piece of property to call our own.”
— M. Harper, Alabama

⭐⭐⭐⭐⭐
“The whole process was simple. No pressure, no runaround. DeAndre explained everything clearly and kept his word. We’re excited about our land and the future plans we have for it.”
— C. Jefferson

⭐⭐⭐⭐⭐
I appreciated how honest the company was. Every detail of the contract made sense and the terms were exactly what we discussed. It made me feel confident moving forward.”
— Verified Buyer, Sumter County

⭐⭐⭐⭐⭐
“Good communication and very straightforward people. I knew exactly what I was signing. The online payment system is simple, and we love our lot.”
— R. Taylor

FAQ

❓ How much is the down payment?
Down payments start at $1,500, and in some cases we offer split-payment options to help buyers secure their lot.

❓ When do monthly payments begin?
Monthly payments begin on the first month after the full down payment is completed and the Contract for Deed is signed.

❓ Can I access the land right away?
Yes. After you sign the Contract for Deed, you have full possession immediately, even before the land is paid off.

❓ Are there credit checks?
No. We do not run credit checks. Everyone is evaluated equally.

❓** What happens if I need to pay off early?**
There is no prepayment penalty. You can pay off at any time and receive your Warranty Deed.

❓ What happens if I miss a payment?
There is a 5-day grace period. After that, a small late fee applies.
If payments remain unpaid after multiple notices, the agreement may be terminated — but we always reach out first to help you get back on track.

❓ Are there restrictions on the land?
Yes — simple, common-sense restrictions designed to protect property value. Examples include:
No pig farming
Clean property maintenance
Septic required before living on-site
Mobile home approval guidelines
Full restrictions will appear in your Contract for Deed and Exhibit B

❓ Can I put a mobile home on the property?
Yes.
Homes under 10 years old are automatically approved with proof of year/model.
Older homes require written approval.
Mobile homes must be underpinned within 90 days.

❓ Can I build a house or cabin?
Absolutely — as long as you follow county building and septic rules.

❓ Do I get mineral rights?
No. Mineral rights are not included, but surface rights are fully yours.

❓ Do you offer discounts for paying upfront in cash?
Yes. Cash buyers may receive a significant discount depending on the lot.

Get In Touch

We’re here to answer questions, walk you through the process, or help you reserve your lot.

📩 Contact Information
Phone: (205) 202-9620
Email: [email protected]
Location: Sumter County, Alabama
We respond quickly — usually within the same day.

💬 © 2025 Providential Real Estate LLC. All rights reserved.

Privacy Policy

Last updated: January 2025

1. IntroductionProvidential Real Estate LLC (“we,” “us,” “our”) is committed to protecting your privacy.
This policy explains how we collect, use, and safeguard your information when you use our website or services.

2. Information We CollectInformation you provide:
-Name
-Email
-Phone number
-Mailing address
-Payment details (processed by third-party providers)
-Messages submitted through formsInformation collected automatically:
-IP address
-Device and browser type
-Pages visited and time spent on site

3. How We Use Your InformationWe use your information to:
-Respond to inquiries
-Provide property information
-Process reservations and payments
-Send agreements and documents
-Manage owner-financed accounts
-Improve website performance
-Comply with legal requirements
We do not sell your data.

4. Payment Security
Payments are processed by PCI-compliant third parties such as Stripe, Square, PandaDoc, or Lendiom.
We do not store your full payment details.

5. Sharing Your InformationWe may share data only with:
-Document platforms (PandaDoc)
-Payment processors
-Email/SMS communication services
-Legal authorities if requiredWe never share information with marketers.

6. Cookies & TrackingWe use cookies to improve site functionality and analytics.
You can disable cookies in your browser.

7. Data RetentionWe retain information:
-As long as required for business or legal purposes
-As long as needed to maintain your contract
-Until you request deletion (if allowed by law)

8. Your RightsYou may request:
-Access to your data
-Updates or corrections
-Deletion (where legally permitted)
Contact us at:
📧 [email protected]
📞 (205) 202-9620

9. Data ProtectionWe use standard security measures including encryption, secure hosting, and limited access controls.

10. Children’s PrivacyWe do not knowingly collect data from children under 18.

11. Policy UpdatesWe may update this policy. Changes will be posted here.

12. Contact
For privacy-related questions:
📧 [email protected]

Terms of Service

Last updated: January 2025

1. OverviewThese Terms govern your use of Providential Real Estate LLC’s website, services, property listings, reservation process, and owner-financing agreements.
By using our website or submitting information, you agree to these Terms.

2. Property InformationAll property information is believed accurate but not guaranteed.
Buyers are responsible for their own due diligence:
-Visiting the land
-Confirming utilities
-Confirming county rules and restrictions
-Reviewing zoning and access
-We make no guarantees about future land use or approvals.

3. Reservation FeesA reservation fee:
-Temporarily holds a lot
Is typically non-refundable
-Does not transfer ownership
-Does not convey legal rights to the property
-It simply prevents others from buying the same lot while your paperwork is completed.

4. Contract for Deed (Owner Financing)If you choose owner financing:
-Terms are outlined in your Contract for Deed
-Ownership transfers only after full payoff
-Buyer gains possession after signing the CFD
-Missing payments may result in defaultThe CFD is the binding agreement.

5. Payment ProcessingPayments are processed through secure third-party providers.
We do not guarantee availability of any specific payment method.

6. Communication ConsentBy submitting a form, you consent to:
-Email communication
-Phone calls
-SMS/text updatesYou may opt out of marketing messages anytime.

7. Website ConductYou agree not to:
-Misuse or disrupt the site
-Attempt unauthorized access
-Copy content without permission
-Submit false information

8. No Legal or Financial AdviceInformation on this website is general informational content.
It is not legal, financial, or tax advice.

9. Limitation of LiabilityProvidential Real Estate LLC is not responsible for:
-Buyer’s failure to complete due diligence
-County rule changes
-Access or utility issues outside our control
-Payment processor delays
-Errors in listingsYour sole remedy is discontinuing website use.

10. Governing LawThese Terms are governed by the laws of Alabama.

11. Updates
We may update these Terms at any time.
Changes will be posted here.

12. Contact
For questions:
📧 [email protected]
📞 (205) 202-9620

CONTRACT FOR DEED SUMMARY

This is NOT the contract. It is a summary to help you understand the terms you will sign

1. What You Are BuyingYou are buying a tract of rural land in Alabama.
You receive full possession now, but you receive the legal title only after the land is fully paid off.
The contract explains the exact tract number, acreage, and location.

2. Financing TermsIf you choose owner financing:
-You pay a down payment.
-The remaining balance is financed at a fixed interest rate over a set number of years.
-You make monthly payments through Lendiom, the payment system used by the seller.You may pay off early at any time with no penalty.

3. Late PaymentsIf a payment is more than 5 days late:
-A late fee is charged (4% or $10, up to $50).
-If a payment is missed and not corrected within 10 days after written notice, this becomes a default under the contract.

4. Possession vs. OwnershipWhen the Contract for Deed is signed:
- You immediately receive possession and full use, subject to the property restrictions.
- You do not get the deed yet.
- You receive the deed only after the contract is paid in full.
- You are responsible for the property from the day you sign, including risk of loss.

5. TaxesYou must pay:
- All property taxes starting the first full tax year after signing
- Any county or state fees
- Any special assessmentsIf the seller pays taxes on your behalf, you must reimburse them within 15 days.

6. Your Responsibilities While PayingWhile you are making payments, you agree to:
- Keep the property clean and safe
- Prevent trash piles or nuisances
- Follow county laws
- Not allow junk vehicles, dumping, or salvage operations
- Keep livestock in reasonable numbers (no pigs)
- Build driveways with proper culverts
- Install septic in compliance with county rules
- Not live in any structure until septic is installed and approved
- Obtain all required permits and utilities (seller does not install utilities or septic)You may clear trees only for a home, driveway, and yard unless the seller approves more clearing.

7. Exhibit B – Property Use Restrictions
The property has standard rural-use restrictions designed to protect land value and neighbors.
These include:
- One home AND one mobile home per lot
- Mobile homes must be underpinned within 90 days
- Mobile homes 10 years old or newer are automatically approved with documentation
- Older mobile homes need written approval
- RV living is allowed temporarily only with written permission
- No pig farming
- No industrial uses
- No 18-wheelers parked on the property
- No brush burning
These restrictions will run with the land and apply to future owners after you receive the deed.
Violating restrictions is a default under the contract.

8. Defaults and RemediesYou are in default if you:
- Miss payments and do not fix them after notice
- Fail to pay taxes
- Violate property restrictions
- Break any contract obligation
- Abandon the land
- File bankruptcy
- Provide false informationIf you default, the seller may:
1. Require the full remaining balance immediately, or
2. Terminate the contract and take back possession.If the contract is terminated:
- You must leave within 7 days
- All money paid is forfeited as liquidated damages and rentThis is standard for Contract for Deed arrangements.

9. No WaiverIf the seller gives extra time or shows leniency once, this does not change the rules.
The seller can enforce the contract strictly at any time.

10. Notices
Notices from the seller may be:
- Hand-delivered
- Sent by certified mail
- Emailed
You must keep your address, phone number, and email updated at all times.

10. NoticesNotices from the seller may be:
- Hand-delivered
- Sent by certified mail
- EmailedYou must keep your address, phone number, and email updated at all times.

11. Legal MattersThe contract is governed by Alabama law.
Any legal dispute must be handled in the county where the property is located.
If the seller must enforce the contract, you must pay reasonable attorneys’ fees.
The contract is legally binding even with digital signatures.

12. Final NoteThis summary is only an explanation.
The Contract for Deed itself controls all legal rights and obligations.
You will receive the full contract to review and sign.