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I own my land already. Can I keep my land separate from the home purchase?

When you check my credit score, is it a “hard pull”, and will it negatively impact my credit?

What down payment is required?

I was told that I can use my lot as my down payment. How does this work?

Do I have to pay off my land before we start building?

What is the minimum credit score required?

How do construction loans work?

When should I get pre-qualified and how long does the process take?

  • Pay stubs: Most recent, covering the last 30-day period
  • W-2’s and/or 1099’s: Most recent 2-year period
  • Tax Returns: Most recent 2-year period (include personal and business if applicable)
  • Bank statements: Most recent 2 months (all pages)
  • Retirement/Investment Accounts: Most recent 2 months' statements or most recent quarterly (all pages)
  • Copy Photo ID Property owners: For each property owned, your most recent mortgage statement, homeowner’s insurance declaration page, income taxes, and HOA statement

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