Let’s see, you’re getting what? Maybe 1.5% in your savings account? And what’s the rate on your personal loan 5%? 8%? 10%? Pay down that high interest rate loan rather than saving for a 1.5% interest rate. Good luck.keep making the land payment and put some away for building your house. make sure you put it in a saving account, so you can get some interest going on it.

to get a mortgage you need a good credit score, and make sure you have at least 3 accounts going and paid on time, like your land payment, and 2 credit cards, etc.

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