1. I understand that most lenders require a 2 year employment history. Is that with the same employer or the same industry? Could I get a loan, say 3 months, after accepting a newer, higher paying job? 2. Is it possible to purchase land at a 30 year rate, and put a home on it a year or 2 after the purchase? Are there any guidelines as to if I would have to live on the property to conform to the loan? 3. If I purchased a rural piece of land, could I put a temporary home on it (probably a single wide manufactured home) for a year or 2, then put a newer manufactured home on it? 4. For FHA loans, what is the required down payment needed?