check out lotloans.com or maybe countryloans.com. Websites like that. I am going to be in your position soon too. I am going to buy some land and build like you are saying. Have you spoken with Jim Walter homes? Give them a call, they may be able to help. I agree in waiting a year to get above 700. It will put you in a better position and you will save money. Dont be so impatient, take your time..remember, the best way to improve your score, is to not use it...