After assessing your credit and income documents, the loan officer will take a loan application. If so, give the information requested and allow him to get a tri-merged (all credit bureau reports consolidated into one) credit report with scores.
He will prepare a "good faith estimate" of costs involved in doing the loan for you. Expect a higher rate than home loan rates, since land loans are higher risk to the bank. A full loan package that will require your signature and date are next. Discuss your appraisal and value with him and give a copy of the appraisal containing the appraiser's name and contact number.
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