@Craig Holland Land is often sold with owner financing, in part because buyers have a hard time financing it, and in part because buyers often only need a short time before they can build on the land and refinance out of the seller loan. 

I have been trying to save up money but it is not near a down payment for a traditional loan.

For comparison, a Navy Federal FCU personal loan will be in the 15s%

FHA loans require living in the home as your primary residence for 1 year after purchase.

You don’t have to pay $20k+ to learn to broker loans. 

The lender is pushing you to do this to get an FHA loan.

Just closed on my first loan with them.

The only way to pay down a loan, is to pay down a loan.

I did all of my loans with small local banks in my area and was always happy with the rates and service.

The LLC is irrelevant unless you are paying cash or getting a DSCR loan.