Yes this qualifies for a loan! Yes you own the land! No HOA's This cute home is in the heart of town, Lots of shopping, food, and outdoor activities just min away. This home feel very large, with an open feeling. Fully fenced yard for your kids and animals to stay safe while enjoying the outdoors. 3 Lots of storage, 3 big sheds. 2 with power ran to them. New HVAC with AC $5,000 carpet allowance.