ThatGuy, start by calling all the small savings banks in your area to gauge if you will be able to live with the terms. In 98 we bought a 38 acre wood lot in southern ME even though we had no equity to speak of. We don't make much money either but have good credit histories. We had no debt. I had spent the previous 3 yrs mostly taking care of my young children and working on the side while my wife worked full time. We drive old cars etc. I spent a solid week on the phone before finding a small local bank who held their loans. We have a fixed 7.25% loan for 25 yrs with 15% down. It was supposed to be a variable rate loan and thus should have gone up a little but the bank paperwork was written incorrectly. I stayed away from building loans because of the time constraints they put on you, usually 9 mths here in the northeast. We currenty have well, septic and foundation in and I'm looking forward to cutting a timberfame this summer from logging that I've done; if spring will ever get here. Good luck

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