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I am by far from an expert, but we purchased land 2 1/2 years ago. They required 20% down and think they required a FICO of 620...we had an additional $150 in loan fees, which my lawer told me that this amount was very low considering the loan. My fees for title search and other legal fees was $0 - my lawer is a close relative.
We recieve a 1098 on it but I have never attempted to file it as it still wouldn't warrant me to itemize, but I could be missing some tax benefits I don't know about.