Purchasing land can be challenging. Typically you would need to pay cash or have a significant amount down. AND have excellent credit and income. Most of the land purchases I have been involved in in recent years, the down payment is 30-40% or more.
You can also look for owner financing situations. Just be careful.
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Not sure why it would not let me post before, but there are also many better programs than GA Dream - especially if you have a down payment. The GA Dream program is basically a second mortgage that you have to pay back.
I work with a lender that has a true grant which allows up to 5% towards down payment and closing costs. Feel free to reach out if you would like more information on it.
Most experienced Realtors will know several rehabbers/investors in a given area. I would recommend reaching out to a Realtor in your area and they should be able to get you in touch with someone they can recommend to you.... more
On a VA Loan purchase, the seller is required to pay for the termite inspection ( buyer isn't allowed to cover cost for this and if the buyer has paid for it, then they must be reimbursed at closing).... more
For those coming across this post years later, I'd most definitely choose Kennesaw. Builders like D.R. Horton (whom I work with) have been building in the area for the last several years and it is flourishing. It is known for being a bit more on the rural side, but things have rapidly changed. The downtown is small but charming. There are decent schools in the area. IT's also close to Atlanta, which is convenient.... more