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We are living in a manufactured home we bought new a few years ago. It is worth at least 30K, probably closer to 36K. We also have land that we own outright worth around 40K. To get a loan can the property value be considered a down payment? If not is there a way to use our current house as a down payment even though we wouldn't want to move out of it until our new house is built?
From what I have learned we shouldn't have any problems getting a construction loan since my middle score is 640 and when I pay off my credit cards should jump up since my utilization is currently 39%.
I appreciate any thoughts, comments or advice.