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Thanks Michael for the clear steps.

Thanks Jon. This is one of the smaller lenders. They are very good otherwise. So I don't want to mention their name here. I am fine here as I am getting cheap money from my current lender.

My current lender approved a $200K equity loan but the funds only be released for buying a land (their credit policy). I am planning to buy a land costing 350K soon. Since the full equity has to used for the purpose of buying a land, I am going to use $200K equity and 150K loan from another...