Here is my situation:
I have 6 months of good credit card history, but nothing else
I own 2 acres of absolutely paid off land
I am 20 years old
Someone told me that i need 3 years of credit history to get a home loan. Is this true?
I am anticipating to pay about 25% down payment, but I just want to make sure that i can get a loan without a co-signer.
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about 2 years ago
From what I have seen and read as long as you own the land that the trailer is going to sit on and budget for the payment you should have no problems getting the loan.
You will have to put up your land as collateral but that’s how it works.