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I will wait until Monday when I have a concrete contract in my hands and go back to the bank and see what they can do. Thanks for the honesty and tips guys, I'm not in a position to put up a house. My mothers' boyfriend said I could use his credit card to pre-auth up to $20k I guess I'd rather do that and scrape by with every last penny I can scrounge up then to ask if he'd put up his house and land for another extra $10-$20k. I have only been down here near DC for 3 years now and am looking to buy within 6 months regardless of this deal.
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