Land
You did not state in your original specifics that you were considering to purchase land, but if it helps any, we used Meredith Village Savings. They have land mortgages so you can make your dream come true and found them to be very reasonable vs. other banks in the area. It is better to work w/ a local bank as they know the area. I can also say that they have dropped a whole 1% since we did it. We opted for the 3/1arm. Same fixed rate for 3yrs, then a rate change each year after till you convert to a construction loan. We've been lucky so far, our ended up dropped 2%. Good Luck
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