Hello Folks, Well, weâre kind of bummed because the place we were trying to get a mortgage for didnât appraise for the contract price so our mortgage fell through. The banker said that our credit was fine but the houseâs siding needed about $15k worth of work and was therefore not a good investment for them or any mortgage banker, so maybe it was for the best. Not to be distracted from our goal however, we hopped right back on the horse this past weekend and went out looking for a new place. Now weâre back to trying to decide between finding a place with a house already built vs. finding the land we want w/o house and taking a construction loan later once weâve built up some equity in the land. Any suggestions? Thanks in advance.