Financing for an extra lot

[Sarah Koning]

We are currently in negotiations to buy a house and extra lot in Chicago. The sellers - for various reasons - need to have the house and extra lot as two separate contracts/sales. Our mortgage company has stated that because we are not going to build on the extra lot, they cannot finance the loan (nor would most other mortgage companies?!). At this point, the purchase of the house is dependent on the purchase of the extra lot and we need to close by the end of the August. The purchase price of the lot is $20k and we can put down $10k. Any suggestions for how to come up with the extra $10k? Worst case scenario, would could take the money from our credit cards, but would prefer something easier and/or with a lower apr rate. We have excellent credit (low 800s credit score) and will be putting down exactly 20% on the house, so there is very little wiggle room.