Honestly there is not enough information to answer your question. One being why do you need to qualify as a first time home buyer; is there a special program you are looking at like down payment assistance? If you would like to fully explore your question and get specific, I can hep you do that. Esta Hoffman esta@estaglen.com Allstate mortgage 707 328-2864
If you are referring to being able to build a home on the land or place a manufactured home on the land, then you are looking at other than a typical first time homeowner's loan that is based on a home already intact. There are loan options for you nonetheless and it is highly recommended by many homeowner advocates and experts that you seek consultation with a mortgage broker/banker who can explore your different options. Never feel obligated to commit to one individual consultant as all are prepared to fully assist you initially and there is plenty of time to make your decision as to what lender you decide to commit to.I would be happy to help and you can reach me via my profile by email or phone.
I can do construction loans. What loan size are you looking at ? linda lindaonthego@outlook.com
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