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A land contract and a retained title agreement are not the same thing and should not be treated as such. Borrowing money against the value of owned land assets can be a difficult proposition due to the fact that the actual value of a plot of land is a fluid figure, highly dependent on market forces and the surrounding area as well as a host of other factors relating to property valuation. By seeking out loans from a variety of sources and comparing terms carefully, you can get the money you need at a price you can afford. Borrowing money is part of the American experience.

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