We are approved for a traditional refi but the loan fell thru because of no comps.

Because the appraiser was not able to find comparable properties that have sold in a specific geographic range from the home you are looking to buy, most lenders are going to be scared to fund your loan. In today's lending world, lenders are much more cautious. If yours is the only home to have sold in a 5 mile radius in the last year, the lender is going to be reluctant because if you default for some reason, they will have difficulty selling the home to recoup their investment. I would suggest looking at a local Community bank that has a strong presence in the area you are looking at. Many times, they have a better feel for the local real estate market than the big banks do. Even if the big bank has several branches in the area, THEY are not interested in helping local folks that don't fit the cookie cutter mold. Good luck. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

I'm not sure if this is an option - given the minimal information you shared - but I have had success with subdividing the acreage and refinancing the portion with the home on it.