I'm not the authority on loans (especially on land), but I have some wonderful Mortgage Brokers I can refer you to. If you'd like to explore the option of having a home built I can also help you find the right builder for you!
Give me a shout for a no pressure Q & A. If I don't know the answer to your question, I'll call someone who does and get back to you with the info, how's that?
Finding 90% on a lot loan is tough to find. We do not lend on lots alone but if you are looking to build now, we can lend up to 95% through our one-time close construction perm loan. This loan allows you to borrow up to 95% of the lot price and the contract to build on a primary residence or 90% on a 2nd home new build. Please call my office if you have other questions.