In this guide
You bought land sight unseen. The parcel seemed perfect from the photos and the GPS coordinates. The price fit your budget. The location made sense. But six months in, you realize you want something different. Different region. Different acreage. Different terrain. Different use case entirely. Your plans shifted, or you understand your needs better now that you own land. Whatever the reason, you're stuck with the wrong piece.
Except you're not stuck. You have a full year to change your mind, pick a different parcel from Landopia's inventory, and swap without losing a dollar of what you've already paid toward the land. We call it the 365-Day Property Exchange, and this is how it actually runs.
What the 365-Day Property Exchange Is
The 365-Day Property Exchange is a buyer protection policy available to anyone on a terms contract with Landopia.
You own a parcel on a terms contract. Within 365 days of your purchase, you can swap that parcel for a different one from Landopia's current inventory. The principal you've paid carries over to the new parcel. You don't lose your money. Your contract simply transfers to a different piece of land.
The 365-day window opens on the date you close on your original parcel. You have one full year to decide if you want to exchange. After 365 days, the exchange option closes and your original contract becomes your final land.
Every payment you've made toward principal carries forward to the new parcel. If you've paid $5,000 in principal on your original parcel, that $5,000 applies directly to the principal balance of your new parcel. Your money doesn't disappear. It moves with you.
How the 365-Day Property Exchange Works, Step by Step
The exchange process is straightforward once you decide you want to swap.
- Find the parcel you actually want. Different state, different acreage, different price, whatever fits the plan you have now rather than the one you had then. Browse everything currently available and pick the one you would rather own.
- Tell your Land Specialist. Call or text them with three things: your original parcel details, including principal paid to date, the parcel you want to move to, and whatever you are unsure about. That is the whole of what they need to start.
- They run your math. Your Specialist works out your current principal balance, the price of the new parcel, whether your principal covers the new down payment outright, whether you need to bring a cash difference, and the $250 doc fee on the new contract. You get the numbers before you commit to anything.
- The paperwork gets processed. Landopia cancels the original contract and writes a new one on the new parcel, with your principal applied to the new balance. You sign, and that is the exchange.
- You own the new parcel. The new contract is active and day-one use rights apply immediately. One thing worth knowing before you start: the 365-day clock does not restart. It runs from your original purchase date, so an exchange in month ten leaves you two months of window, not another full year.
The Rules That Keep It Fair
The 365-Day Property Exchange has clear boundaries, designed to be fair to both you and Landopia.
One parcel for one parcel. You are swapping one parcel for one parcel, not splitting a parcel or combining two of them. It is a clean one-to-one trade.
The new parcel has to be priced at or above your principal balance. You cannot exchange into ground cheaper than what you have already paid in principal. That keeps your principal fully absorbed rather than stranded, and it is why the exchange never turns into a cash refund.
Here's what that looks like with realistic numbers. First-year principal on most of our notes lands somewhere around $1,500 to $2,000, so in practice the price floor rules almost nothing out:
| Scenario | Principal paid so far | New parcel price | What you bring |
|---|---|---|---|
| Even swap | $1,800 | $14,000 | The $250 doc fee |
| Trading up | $1,800 | $22,000 | The doc fee, plus the difference if principal does not cover the new down payment |
| Trading down | $1,800 | $9,000 | The $250 doc fee. Principal carries, and none of it is refunded in cash |
Value can move in any direction. The new parcel can be worth more, less or the same. Trading up, you bring the cash difference between your carried principal and the new down payment. Trading level or down, your principal applies and the document fee is usually the whole of what you pay.
If trading up: You pay a cash difference to cover the gap between your principal and the new parcel's down payment.
If trading down or equal: Your principal applies to the new parcel and no additional cash is required beyond the document fee.
You never get cash back. The exchange is not a refund. Your principal follows you from parcel to parcel, but you never pull money out. Refunds belong to the 100-day Peace‑of‑Mind Guarantee, which is a separate policy and closes much earlier.
This is distinct from the 100-day Peace‑of‑Mind Guarantee, which does allow refunds of principal.
The document fee always applies. The new parcel carries its own doc fee, $250 on the exchange, covering the cancellation of the old sale, the drafting of the new one and the principal math in between. It is not negotiable and not optional. On an even or downward swap it is usually the entire out-of-pocket.
You can exchange more than once. Sequential exchanges are allowed, one parcel for one parcel each time, with no cap inside the window. What does not extend is the window itself. Every exchange is measured against your original purchase date, so the clock you started with is the clock you keep. Each one carries its own doc fee and each one is a conversation with your Specialist rather than a form you fill in.
Exchange Versus the 100-Day Peace‑of‑Mind Guarantee
Two separate safety nets exist, and understanding which one fits your situation matters.
The 100-day Peace‑of‑Mind Guarantee. It runs for the first 100 days after your down payment and it is the wider of the two: you can exchange for a different parcel with your principal carrying over, or take your principal back and walk away entirely. The document fee, taxes and note-maintenance fees are not refundable. Reach for this one if you work out inside those first hundred days that the parcel is genuinely wrong, or that you want out of land altogether.
What it covers:
- Exchange for a different parcel (principal carries over)
- Refund your principal (get your money back)
- Non-refundable costs: document fee, taxes, note-maintenance fees
When to use it: If you realize within 100 days that the parcel is genuinely wrong or you want to get out entirely.
Learn more about the Peace‑of‑Mind Guarantee.
The 365-Day Property Exchange. It runs for the full year from your original purchase date and does not reset when you exchange. It covers swapping to a different parcel with your principal carrying over, and nothing else: there is no cash refund inside it. Reach for this one if you want different ground but still want to own land.
What it covers:
- Exchange for a different parcel (principal carries over)
- No cash refund. Exchange only.
When to use it: If you want to swap to a different parcel but stay in land ownership.
How the two fit together. The first hundred days are the window of maximum flexibility, where exchanging, refunding and keeping are all on the table. Days 101 through 365 are exchange only. On day 366 both policies close and your contract is final.
Timeline:
- Days 1-100: Both exchange and refund options available
- Days 101-365: Exchange option available only
- Day 366+: Both policies close; your contract is final
For more information about our guarantees and policies, contact a Land Specialist.
Why We Offer the 365-Day Property Exchange
Buyer's remorse is real, especially when buying land sight unseen. We would rather keep you in the right parcel than lose you to the wrong one.
The 365-Day Property Exchange removes a major barrier to committing to a parcel. You can say yes to land knowing you have a full year to confirm it was the right call. That confidence is worth more than most buyers expect.
Your needs shift. Circumstances evolve. A parcel you bought for hunting might become a parcel you want to use for camping instead. A location that seemed remote might feel too isolated after you spend time there. The 365-day window acknowledges that plans change and gives you time to adapt.
We're not locking you into a bad choice. We're saying: use the land for a year, live with it, learn it, and then decide if it's truly the one you want. That creates trust in the process.
How to Start an Exchange
If you want to exchange your parcel, the process is simple.
Call or text your Land Specialist and tell them you're interested in exchanging your current parcel. Provide:
How to Start an Exchange
Your original parcel details
The new parcel you're interested in (or ask for recommendations if you're still deciding)
Your timeline (do you want to exchange immediately or within a specific window?)
They'll:
- Explain the exchange math for your specific situation
- Walk through the new parcel's details and characteristics
- Answer questions about the new document fee
- Process the paperwork
- Get you into your new land
The entire process typically takes a few days to a couple of weeks, depending on how quickly you decide and how fast the paperwork moves.
Buy the land that fits you today. If your plans change, you have a year to trade up, down, or sideways, and your money moves with you.
The 365-Day Property Exchange exists because buying land is a big decision, especially sight unseen. We want you confident that you can adapt if your plans change. You are not locked in.
Start from what you want the land to do. Hunting and fishing ground, off-grid acreage and investment parcels each have their own page, or you can browse everything available. Contact a Land Specialist to walk the exchange math for your parcel, and if you are still inside your first hundred days, read how the Peace‑of‑Mind Guarantee works alongside the exchange.
