To do what you are asking, your best bet would be a community bank in the Norton/Akron area who offers land loans - as they would actually have a loan program that could utilize a free & clear lot of land as collateral. Cross collateralizing it with your new purchase could be difficult if the new home is not contiguous with the land you own, but if you are purchasing a home on the adjacent lot of land that would make it easier. These aren't your typical Fannie Mae, FHA, etc. programs we are talking about - these loans would be held at the bank you get them from and so of course they would need to be familiar with the area (land isn't always easy to appraise) which is why I say local, and I would not expect as good of terms as if you utilized a traditional loan programs... these could be an ARM mortgage and/or a higher than current market interest rates, but hey no down payment.
However there is down payment assistance in Ohio (when funding is available, which I believe it currently is), through the OHFA which you read up on at http://www.ohiohome.org/homebuyer/downpayment.aspx and can be utilized with the traditional loan programs being made today.... more
You may be confusing bankruptcy with foreclosure. You have given a mortgage to the bank for the purchase of one home and the bank can only forclose on that home unless you have used the home you paid cash for as collateral for the mortgaged home. In other words if you did not get a second mortgage on the cash paid for home, it will be sate. Bankruptcy is a different story.... more