Sticky mortgage situation in Texas for rural housingI'll try to make this short and sweet-Good-excellent credit, about 75k income. House in question is on 11 acres in rural county.First had USDA funding because of low down payment. The appraisal came back with valuing the land more than the house (about 10k more), so USDA said they can't do the loan and recommended a farm/land loan.Went to local farm credit service, they took a look at the appraisal and nearly laughed. Said its horrible, the appraiser way over estimated the land, and the land should be 20-30k less. Because of this reason, they are not able to finance.So here we are, I've been calling around to probably 10 different lenders. We now had 15% down which is good enough to satisfy most, but some still wont do residential because it's over 10 acres. I've given the appraisal to some of these potential lenders and asked them to give me an honest opinion so as not to waste anyone's time. No one seems very confident that they can write the loan. I told them the land will likely come back less. But I'm still worried that I'll get another not-qualified appraiser. And I can't just keep ordering appraisals until I get someone who actually knows what they are doing. Also there aren't tons of comps in the area so I'm guessing that's an issue too.This has got to be somewhat common in rural areas. Who lends on these types of places? I need help!May 15 2014 - Austin00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.