How can i get a loan for land that has structures that have no value, but have utilites, and i can live in?

a 10 ac lot is $150000, but being sold as land, it has a small house and trailer on it with utilities which make it livable, but not considered value. i want to get a loan to buy the land but explain that i will be living on the property. Can i expect a bank to loan me something less then the customary 20% down on land loans?

I'd go with a construction loan on the property if you're able. Probably not going to be at less than 20% down, though. It is sometimes possible to get a residential loan if you're able to live on the property, but the home had better be up to par.

Lenders are much more conservative right now with their money due to the number of foreclosures going on, so I wish you the best of luck in getting a loan.

PS - Watch out for all of those idiots above me with their fake money scams. Do not give any personal information to any of them!

You probably cannot get a residential mortgage, but you can get a business loan or construction loan if you have a business plan for building improvements on the property.

If you go through a Bank, your LTV will be between 65% and 70% depending on the Bank. Have a financial institution order an "as is" appraisal and ask that any value/if any for the fixtures be added to the land value.