Do not go to a modular home place and ask about land financing! Any decent mortgage company can get you land financing. http://answers.yahoo.com/question/accuse_write?qid=1006020110799&kid=NbUvWja7WTBIPkxh8RdH&s=comm&date=2006-02-15+16%3A26%3A18&.crumb=
If you are planning on building a home on the land, your best bet is going to be a construction loan. Then you finance the land into the loan. http://answers.yahoo.com/question/accuse_write?qid=1006020110799&kid=NbUvWja7WTBIPkxh8RdH&s=comm&date=2006-02-15+16%3A27%3A14&.crumb=
Try Bank of America they have a loan land program. Try a banks such as locally owned that where they keep the loan in house.
Beyond that ask the seller for owner finacing as an example 20% down, 8% APR, all due in ten years. Just an idea.
is this your first mortgage ? if so, it's easier to buy a conventional home than it is to buy land and build on it (construction loan). OTherwise, find a motivated seller and they can help with financing
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