No, the training isn't free but neither is any other kind of training.  

@Kaaren Hall after seeing your post i called them right away, their fees are extremely high for an HSA that for the most part most people don't have a lot of money in.I max my HSA every year, but if you have a self only plan you can only put about 4k /yr  and if you have some medical bills it's less.they are also very restrictive on taking money out, and no CC to pay the doctor. prior to speaking with them I was extremely excited to see this opportunity you suggested,  but after my conversation I'm no longer...I will look for other options now that I see there may be some, so thanks so much for bringing it up.

You've done a great job with keeping your debt low so I have no concerns about your level of discipline to use/reuse a line of credit.All the best!

Anyhow, thanks for your reply and to answer your question no, currently I do not have anything else going on that will help. 

I did follow up with them but unfortunately, they told me they do not service residents in GA with no ties to the university.

NO?.... 

So now you need a development loan once you have your plans approved.. most folks that do land try for owner financing while they get approvals then go for 3p loan once you have an approved project or JV with cash partners.. thats what I do I am a JV cash partner no loans I dont need loans to do these land deals..

We would be able to close out on the loan and rent at a 30yr mortgage, but no big pay out from refinance. 

Quote from @Patricia Steiner: There are several lenders who offer low/no closing cost options for first time homebuyers.

I am sorry but this makes absolutely no sense.....Also, any builder who has to be paid every week is a huge red flag.