The best option for both of you is to meet with at least two mortgage brokers and ask them to assist you in improving your credit.? Once you have a credit that allows you to purchase property, your best bet may be buying and existing home.? Or a turn key new construction, these are easier to finance than a lot and the the construction of a home.? Good luck!
Source: http://www.zillow.com/advice-thread/trying-to-buy-a-lot/474984/
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